hi there all , just a quick enquiry , not so long ago i went to perfect homes and got a 50 inch smart tv on finance , all was good until i decided to move house , i started to dismantle the tv and as i did so it topped forward and smashed the tv , i was gutted , but i contacted perfect homes and explained what had happened ,and they said bring it down and we will do a insurance claim on it, they explained that it could take a couple of weeks to sort out , so i said fair enough , but they then told me i would have to still pay for it until the claim goes through , which seems reasonable , and i would also have to pay the excess which is £100 , but i could pay it at £4 a week till its cleared , as i have other items with them totalling up to about £7 a week , so roughly £10 seemed viable , BUT the claim went thru and they explained that i would have to re-sign up for another tv ( if i wanted one) , as if i was a new customer BUT also because they had done an insurance claim on my previous tv , i could only get a like for like , which they claimed was a refurbished one , and i would still have to pay the same price as if it was a new tv , i had a ponder over this and contacted them and declined the offer of a refurbished tv if i had to pay the same price as a brand new tv , BUT my question is s hould i still have to pay the excess on the now broken tv if i have no intention of getting a replacement from it ? cheers any helps much appreciated

Hi, All im new to this forum. I hope you can help and shed some light. A weekly sofa agreement was taken out, what we recieved was a shop floor display unit that was so called refurbished. After 6 months we rang them to get the leather replaced due to it having defects but only 1 sofa was done. However when the sofa was taken out 2 types of insurance was taken out. Cover Plus and TAD. We was told that Cover Plus would be taken into account any accidental damage and kids spoiling it. These are the keywords the staff members said to us when we took both covers. If they did not include accidental damage what is the purpose of the covers ? so after having the sofa the last payment is due, but therefore we required leather replacement but they totally refused as every member of staff told us that accidental damage is covered. what im trying to say is what can be done to this mislead information. Is there a possibility that Cover Plus can be refunded due to mislead information on taking out that it covers accidental. Im actually stuck at this point the manager came out so they looked and said its wear and tear but the kitten has clawed some of it. Any help is appreciated and respected Many Regards Tee

i have been a customer with perfect homes for more years than i would wish to remember and have always made my payment on a saturday when i get paid only to be informed today that saturday payments are no longer acceptable as the finace company said everyone gets paid mon-fri so payments should not be made any other day i get paid on saturdays !!! can they just move the goalposts on payments without written notice as im now getting numerous phone calls demanding payment that im not able to pay till i get paid ?? hope this makes sense

PARK (MOBILE) HOMES GUIDE Documents Source: https://www.gov.uk/park-mobile-homes PART 1 - YOUR RIGHTS AND OBLIGATIONS Your rights and obligations Your rights and obligations are listed in a written agreement with the park (or site) owner. This sets out: Ø your minimum legal rights and obligations, like your right to keep your park home on its pitch Ø the rules, charges and services You have 28 days to review it before signing. Even if you don’t have a written agreement, you still have all the rights set out in the Mobile Homes Act of 1983. Keeping your home in good condition You must: Ø repair your home when necessary Ø keep the outside of your home and pitch clean and tidy, including any fences or out buildings that you own or use on your pitch Site licence Privately owned sites must have a licence from the local council. The park owner must clearly display the licence. It will usually have conditions for: Ø how many homes can be in the park Ø services and amenities Ø health and safety To complain about conditions in your park, talk to the park owner first. If the issue isn’t sorted out, contact your local council. You could be forced to leave if you live on a site without planning permission for residential use. PART 2 - RENTING A PARK HOME Rented homes, including park homes, come under the Landlord and Tenant Act 1988 If your landlord collects rent from you, this means you have a rental contract even if it isn’t in writing. You don’t have a written contract If you don’t have anything in writing you should be able to stay for a year from the date you moved in. You have a written contract If you have a written contract it should say how long you can live in your home. During this time your landlord can still ask you to leave if: Ø your contract says they can ask you to leave with 4 weeks’ notice Ø you break the rules (‘terms’) of your contract and it says the owner can ask you to leave as a result When your contract ends Your landlord can ask you to leave as long as they give you 4 weeks’ notice. If you don’t leave the owner can ask the court for an ‘eviction order’ which forces you to leave. Your landlord asks you to leave If your landlord tries to evict you (force you to leave), you will have more rights to stay if you live on a ‘protected site’. A protected site is a mobile home park which has planning permission to have residents living there throughout the year. A holiday park isn’t a protected site. Your right to stay also depends on: Ø what your rental contract says Ø if your home is counted as a ‘dwelling house’ and therefore covered by certain tenancy laws Your home is counted as a ‘dwelling house’ You may have rights from tenancy laws if your home is counted as a ‘dwelling house’. To be a dwelling house your park home must be: Ø your permanent residence – where you live most or all of the time Ø connected to mains supplies of electricity or water Ø unmovable or so large that it can’t be moved in one piece – eg you can’t drive it or tow it away yourself The type of tenancy you have depends on the date you moved in and started paying rent. You will have either: Ø a regulated tenancy – this is if you moved in and started paying rent before 15 January 1989 Ø an assured or assured shorthold tenancy – this is if you moved in and started paying rent after 15 January 1989 Getting advice Tenancy rights can be complicated and depend on your situation. You should get legal advice if you think your landlord is treating you unfairly. You can also contact a Citizens Advice Bureau or charities such as Shelter or Age UK if you have questions. Community Legal Advice helpline 0845 345 4 345 Shelter housing advice helpline 0808 800 4444 Age UK Advice helpline 0800 169 6565 PART 3 - CHARGES Pitch fee You have to pay a ‘pitch fee’ to the park owner torent the land your park home sits on. The park owner can propose changing it once a year. They must give you 28 days’ notice in writing. If you and the park owner can’t agree on a new fee, the park owner can apply to a residential property tribunal. Until the tribunal reaches a decision, you should continue to pay your current fee. Gas, water, electricity and liquefied petroleum gas (LPG) The Office of the Gas and Electricity Markets (Ofgem) sets the amount you can be charged for gas and electricity. The park owner can’t charge you more than the price Ofgem sets, plus any connection charges set by the utility company. For water, the park owner can only charge what the water company charges plus a reasonable administration fee. Charges for LPG aren’t regulated. Part 4 - SELLING OR GIVING AWAY A PARK HOME Read detailed information on buying, selling or gifting your park (mobile) home. Selling When you sell your home the site owner gets up to 10% of the selling price (known as a ‘commission’) and you’ll need to: Ø give the buyer certain information - eg about the commission and pitch fees Ø tell the site owner about the sale Ø assign (transfer) the pitch agreement to the new owner Ø tell the buyer to complete a ‘Notice of Assignment form’ so they can pay the commission to the site owner There are certain park home forms for buyers and sellers you must complete to do the above. Park homes don’t need an Energy Performance Certificate (EPC). Giving away You have the right to ‘gift’ (give away) your park home and pass on your agreement to a family member. Use the ‘Notice of gift form’ to send the site owner proof of how you’re related to the family member. Inheritance rules Anyone will be able to carry on the agreement when you die if they are either: Ø a family member living with you at the time you die Ø your husband, wife or civil partner If none of the above apply, whoever inherits your home will also inherit your agreement. But they must get approval from the site owner to live there. Disputes The Residential Property Tribunal service can help you solve disagreements about park homes, eg if the site owner objects to the sale. Part 5 - PARK REPAIRS AND IMPROVEMENTS Site owners are responsible for: Ø keeping common areas (like shared paths) in good condition Ø repairing the area where your home sits (the‘base’) Ø maintaining any services they supply to your home or pitch (like sewerage) Park improvements If the park owner plans to make improvements, they must: Ø give you at least 28 days’ notice in writing and let you know how you can comment on the plans Ø tell you if it will affect your pitch fee Even if most residents disagree with the proposed improvements in writing, the park owner can still go ahead. But the site owner can’t recover the costs of the improvements through a pitch fee review - unless a residential property tribunal agrees to this. Part 6 - RESIDENTS ASSOCIATIONS You can set up a ‘qualifying’ residents’ association to represent homeowners in the mobile home park where you live. Qualifying residents’ associations have certain rights and should be consulted when park owners want to spend money on improvements or change how they run the park. Park owners must give at least 28 days’ notice of any changes and take the association’s concerns into account before they make changes. Setting up a qualifying residents’ association Your association must include at least half of the home owners in your park. Residents who rent their homes can’t join. It will have to keep certain records and documents, like: Ø an up-to-date list of members Ø a constitution Ø any other rules of the association It will have to elect a: Ø chairman Ø secretary Ø treasurer Apart from administrative decisions taken by the chair, secretary and treasurer, decisions are taken by voting. You need to ask the park owner to ‘acknowledge’ your association. If they don’t, you can apply to a residential property tribunal. If the tribunal agrees with you, it will order the park owner to acknowledge your association. If your association doesn’t meet the qualifying conditions, it won’t have the same rights. It can continue to meet, but the park owner won’t have to talk to the association about park operations and management. Part 7 - SETTLING DISPUTES If you have a dispute with the park owner that you can’t work out, you can go to a residential property tribunal. Decisions made by the tribunal are legally binding. If your agreement says you must use an arbitrator, ignore it. You must use a residential property tribunal instead. The tribunal can settle disputes over: Ø changing a resident’s agreement Ø changing the pitch fee Ø moving a park home Ø damage and repairs to the site Ø transferring ownership of a park home to someone else Residential Property Tribunal Service 0845 600 3178 Monday to Thursday, 9am to 5pm Friday, 9am to 4:30pm To apply, fill in the relevant application form. The form tells you where to send it and if there’s a fee. Download more detailed guidance on park homes and the tribunal. This is the Park Mobile Homes Guide in PDF:

Got a sofa from these people awhile ago,had already got home contents insurance through my local council,so l took my policy into store and had their silly insurance removed. I've always paid on time and my account is up to date However today a sales assistant called to say he needed to see my insurance policy again,when I asked why he said,that my insurance didn't cover their couch, I told him that l pay for accident cover on top,and he had the policy documents on file,so I wasn't willing to bring them down again to which his response was Well if that's the case we are going to put our insurance back onto your weekly payments The guy carried on for a bit about their contracts ect ect I put the phone down Then the manager rung,and I explained what the first chap had threatened,and the manager denied everything,but said he did need to see my policy again My question is can they add their insurance back on to my account,and what should I do next?

My partner has been with perfect home now for several years much to my dismay . We have been paying a set amount of £26.59 for awhile even tho our items now only cost £17.58. We made an agreement to reduce this to the lower payment as its a hassle going in to reclaim the extra £9 odd every week due to needing the money for other things. But the following week they still took the higher amount of £26.59 . Been in again and got promised they would change this by the 12th of April but yet again they took the higher amount of £26.59 so went to the bank to try and stop it their end . Unfortunately the way they process payments is off your long card number so the only people who can stop this payment is perfect home but that's not all the bank also told us that they also tried to take the £17.58 at the same time luckily there was not enough funds for the £17.59 to be processed and even more lucky that we didn't go overdrawn is there anything we can do ? Any help would be much appreciated . Damien

can some one help me me and my wife got a plasma tv from perfect homes 3 years ago it was the first time we had hire purchase agreement and the salesman told us the total cost we would have to pay is £2242.24 with insurance and coverplus we asked again how much for everything including coverplus and yet again we were told £2242.24 so we signed and we never missed a payment and today we called into the shop to make a payment and to ask how much we had left (we thought about £130) but were told we still had £450 which we disagreed we had been paying £13.08p a week and £10.78 was for the agreement and normal insurance and £2.30p was for coverplus and we were told when we signed that all of the £13.08p weekly payment would come off the total but after we looked at the agreement we have noticed that the £2.30p for the coverplus is being classed as separate from the agreement and now the total is about £2750 which we wouldnt have signed had we known this and the salesman has lied to us so can anyone tell me what if anything we can do about this as we feel we were lied to about what we would pay in total

Hello, i have been reading around the site for a few days now and figured its time i sign up. to cut a long story short Perfect homes (Temple Finance) today posted a we called today note threw my door, it says if i do not ring them by 6pm they will return with the police, will the police come? what can they do? thanks for reading.

Hi i have taken out a purchase agreement with perfect homes / Temple Finance and have been paying £25 a week EVERY week since june 2012 for 2 sofas. i have been very unwell and missed 3 weeks payments, 1st note through the door on the 1st week i missed. But i have just had a visit from someone from perfect homes at my door requesting goods or payment. I tried to get the rest of the remaining balance from the store but they couldn't tell me "i had to write to the head office" So i dont know how much is left! i told the lady at the door i had requested this info and cant afford to pay the weekly rate, she started by calling me childish, and said she can get police presence, and they can enter anyway to collect. i told her too and i'll film it she said, and i quote "f*cking go ahead" and laughed. So i gave her a letter saying i remove all rights of access to my property from anyone from perfect homes or temple finance under common law. So she walked away sat in her van on her phone and started to point at me laughing hmmmmm From this point I will VIDEO everything being said at my door from these loons and post it on youtube, no dout it should make for some good viewing when i confront them with the law and challenge them on any bullying tactics and false statements. ANY questions ppl need asking while i'm filming? as i know many people have troubles with them. Watch this space Richie EDIT LETTER I GAVE TO THE LADY

i recently sent my tv back to perfect homes to be looked at as it was turning itself off they brought it back saying there was nothing wrong with it but when the people who brought it back left we noticed the base of the tv had deep scratches on it i have phoned the store to demand it be replaced but was told they will call back can someone tell me where i stand on this i have the cover plus insurance with them if they cant replace the base can i ask for a new tv?

Hi everyone i need some advice please, I fell behind with my payments with perfect homes due to personal reasons, i also moved address within this time aswel. I have been a customer with PH since 08 when i 1st got a tv off them which i am still obliged to pay for even though i thought it was for 3 yrs but last yr i asked when that would b payed off and was advised it was 5 yrs, i cant find my contracts i have also purchased a fridge freezer and oven off them since but ill cut to the chase, they have been to my house now demanding to come into my property but my bf said i dont live here, they have thretened with police and have asked my neighbours if i live here, they were asking to come in and my bf declined in the end they said well we will do it the hard way then so he said fine. Id like to try and sort this out but i dont think i can afford to pay everything off the ins, late payment fee, and the normal pay as alone this was 50 pw. Any help and advice would be appreciated Thanks xx

This is likely to be a move we will see from other Councils. It will surely affect those who entered the buy to let market before the credit crunch and find themselves with empty houses as the austerity measures bite. http://www.bbc.co.uk/news/business-20634448

Follows the Southern Cross closures and others. http://www.bbc.co.uk/news/health-20564151

Hi. (Re: local authority) I`m confused about the decent homes standard. After searching for details on the web, it seems there is a conflict between the recommendation for a new kitchen; is it 20 years or 30? The maximum limit seems to be 30 but even on the gov website it seems to say 20 in some places. My kitchen is falling apart in places, they are saying that they will replace some units, missing drawers, taps, worktops and broken floor tiles. Of course they wont be able to match them up and I told them that I wasn`t happy and this was just a bodge up. We are disputing when the kitchen was last done but even on their figures it is 25 years, I think it`s more like 30 because they took over from another authority after boundary changes and my neighbours at the time I moved in told me when modernisation was done - they said early 80`s but I have to accept what the council are saying they have on their record. The Manager seemed to be saying "is it worth doing this when it will all be replaced in another 5 years" but the surveyor wasn`t having any of it. I am going to make a complaint because I havn`t got anything to lose by it but I just wondered if anyone had issues previously or knew anything I could put in my complaint that would help. I think the work that they are going to do is daft when it will all be done under tenants choice in a few years and they don`t HAVE to wait for 30 years to replace a kitchen which is obviously not in a good state. Anyone had a kitchen replaced at less than 30 years? I really resent paying the same rent as others in urban areas who seem to get things done first, it`s a fact that more homes in rural areas don`t meet good standards than homes in urban areas. I have done the bathroom myself, paying for shower fitted and full tiling, I am a good tenant and I would have put a new kitchen in myself over the years if I could afford it. Any comments appreciated.

I am being phoned constantly by p/h, even though I've been in store and made necessary arrangements, it seems that there is no communications between members of staff, please help thank you.

I purchased a sofa from perfect homes while living with my partner. Never missed a payment then unfortunately, my partner and i split up and the sofa was left. I stopped paying the payments as i lost my job and i no longer have the goods. I have made an offer of payment but PH have declined it. All they want to know is where are the goods are and they are with my ex. What can I do.....can i go to prison? be arrested? please help and any advise would be greatly appreciated. x

Hi iv been a customer with perfect homes for 3 years. I have had enough of them. They constantly ring me trying to get me to buy more... they told me my couch was finishing and did i want something, only when i rang back the week later it was actually my tv stand (a big difference from £17 a week to £2 a week item) My laptop broke and i had to pay the £100 excess??? then when i got it back it had £36 receipt in box from dell, i was told , they had to pay £80 to send it? and therefore had to pay the full £100 excess. I enquired about a xbox 4 weeks ago(for my mum) and was told i could have a 2nd hand one - which ment id pay £760 for a second hand console! My partner has recently left me and im struggling to pay and was wondering if any one had advice as they wont take lower payments but yet phone once a week asking to get something - was told " hi gem, uv got a laptop finishing soon, do u want to add? me"whens it finishing" PH "48 weeks" are they real????? ~I also moved home and they changed my address without any proof.

http://www.bbc.co.uk/news/health-19944217

hi, Can anyone suggest a suitable letter to send to Perfect homes to remove their expensive cover plus and Tad agreements,Ive got home insurance through my local council(which was a absolute bargain btw) thanks in advance!!!!!

im part exchanging my home for a new bellway house. Bellway have asked me to have my gas and electrics tested and provide certificates in my current home and at my expense. I think that this is wierd request due to they are getting my house "as seen". Has anyone else ever heard of this or had this situation themselves.

£582m to Scottish Councils for affordable homes As well as providing this funding, the Scottish Government has also published a new Affordable Housing Supply Programme guidance below. http://www.scotland.gov.uk/Topics/Built-Environment/Housing/investment/guidancenotes/GuidanceNotes2012/HSGN201206 With thanks to SG Landscope

The Tenant Services Authority, which was the regulatory body for social housing providers, closed at the end of March. Its regulatory functions have been transferred to the Homes and Communities Agency. http://www.homesandcommunities.co.uk/

The Tenant Services Authority, which was the regulatory body for social housing providers, closed at the end of March. Its regulatory functions have been transferred to the Homes and Communities Agency. http://www.homesandcommunities.co.uk/