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  1. Hello, I wonder if anybody with specialist knowledge of consumer contracts can help with this. I ordered a sofa in a bespoke fabric and with down fillings rather than foam from an online furniture boutique. The retailer sent across an estimate, from which I paid a 50% deposit. The estimate stated 'configuration TBC' (ie whether it was to be a left or right hand facing chaise section). They then e mailed across a Sales Order a couple of days later, which I didn't pay much attention to to be honest, which I have since found out stated 'Left Hand Facing' for the configuration. To cut a long story short, the sofa arrived and the configuration is the wrong way around and it doesn't fit in the room. The retailer never asked me the question about configuration after the estimate was issued, so somebody in house assumed it was LHF. They have since dug up an online chat transcript with me from a couple of months ago, when I was asking if a bespoke order would be possible, I said 'LHF' in that chat apparently. But no order was generated during that online chat, so I don't see how it's relevant. After a long argument, they are offering to accept a return of the sofa for a 30% restocking fee (approx £1000) or to make another sofa if we pay for the bespoke fabric. Where do I stand legally with this? Is it worth pursuing it any further, they say that the onus is on the consumer to check that the details in the sales order are correct. Many thanks for your help, Nicky
  2. Hi newbie here, Hope somebody can help with my plight, In November 2005 we took out a loan through freedom finance for 15k, for debt consolodation, Everything been running fine, September 2011 an official looking letter arrived out of the blue from the FSCS, ( well a company acting on their behalf Deloitte LLp) The letter went on to say we believe you took out ppi with wilmslow financial services plc formely freedom finance. The more I read the letter the more I convinced myself that it had been sent to us in error, as we knew nothing of ever having PPI on the loan, the letter was put in the drawer and dismissed. in November we had a financial advisor visit us to see about getting cheaper morgage deal, out of curiosty I showed the man this letter, and he was kind enough to shed light on the situation and also helped me fill in the paperwork, and we then sent it off, after a number of months of repeatedly sending forms and phonecalls we had a letter from Deloittes ( acting on behalf of FSCS) explaining that their investigations had shown that bespoke finance had arranged the ppi and as they are in gibralter it was therefore out of there jurastiction, they'd done all they could do. In April I decided to try again on my own, downloaded forms from internet, filled in but this time sent them to ge money , Backtracking a little here during the deloitte saga we rang ge money and asked them if we had had ppi on the loan and they said no, but when they sent copies of the credit agreement out it is written on there in black and white!!! Confusing!! So back to the current, I sent forms off to GE money they replied saying there final answer was Yes they borrowed the extra money for the ppi but they had nothing to do with the ppi it was arranged through bespoke, and then gave me a booklet for the ombudsmen to whom I have just come off the fone to, he said I need to find out who the underwriter was, advised ringing freedom!!! all phone numbers no longer recognised.. .So now what can i do???
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