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Found 58 results

  1. Hi there , Just a quick question i need help with guys , i have been a customer of perfect homes for 5 years and had a few items off them and most of them are paid off , i have currently 3 items left with them and 2 are nearly paid off , my question is with the final item , if i decide i do not want it anymore , and i refuse to pay for it , and i have told them i do not want it and to come and pick it up , can they actually do anything ? The reason i ask is the 3rd item is a 2ND HAND TV they sold me over a 4 yr period they charged me £3843, it was a 55 inch curved tv , i have paid over £1200+ on it so far , and have now come to the conclusion i actually do not want to pay another £2000+ on an item i could go out and buy for a whole lot less , ( the reason i had it in the first place was i had a 65 inch tv off them previously and it didnt work properly , so i handed it them back and the only other tv they had in stock was the 55 inch tv 2ND HAND !! ) i took that as i didn't have another tv , am i in the position where i can keep it after i have paid so much off it , or should i just cut my losses and just hand it back , because i refuse to pay another penny on it ? Any help would be appreciated thanks in advance Badboy09
  2. Hope I’m posting in the right place. I’ll try not to ramble too much. In April I ordered a bed frame and mattress from Perfect Home. The delivery men came and delivered the mattress and the frame in the box. They told me they’re not meant to leave it in the packaging but they would if I wasn’t ready to put it together. They left it in the box in my hallway. After disposing of my old bed I opened the box to see that only the headboard and footboard were in there. I called them the same day to tell them that there was no slats or sides to the bed. They apologised and said it had never happened before and that the delivery company would call to arrange on the coming Monday. They never called. I called back a couple of times and got told they’ll call back soon. Nothing. They took automatic weekly payment from my account x2 before I cancelled the direct debit. They started sending letters of arrears and home visit letters. I caught the representative at the door and told him and said I’d like them to take the product back as it’s useless to me if not complete. He apologised profusely. Removed arrears charges. And told me I’d be contacted to have the rest delivered by the next week. I agreed. It never came. He visited again in end of June/early July. Same thing. About a week after that the slats were delivered. Just the slats. Nothing to attach them too. So still useless and incomplete. I sent an email to customer services that wasn’t answered. So I thought I’d wait for another home visit. I received numerous texts saying I was in arrears and someone would be visiting the next day. I waited in several times even though my father was having emergency spinal surgery and no one came. 8 days ago I sent a 3rd email of complaint. Specifying that the product was still useless and that I can’t owe arrears on a credit agreement that is void. I dont know how they expect me to pay for a product I don’t have. I asked for a reply in writing either by post or email within 7 days or I would have to take it further. I got an email back saying apologies they’ll transfer it to arrears apartment they can’t deal with it because I’m in “arrears” but it is like To make a payment... blah blah. As of yet. Still no reply but I’ve received their usual ‘your account is in arrears’ text. I have been sleeping on the floor since April. The parts of the frame I do have are taking up space in the house. I have mental health problems and this is putting me under so much stress. My credit score has gone down as it shows I’ve defaulted. I’m sorry I couldn’t make this more concise. Thank you for reading. Please help I don’t know what to do next.
  3. Hello everybody I hope that you can offer me some help with the issues that I am having with Perfecthome. Back in December I took out finance with Perfecthome for a mobile telephone which was stupidly expensive. At the time I was in full time employment and managed to maintain the weekly payments until my hours was reduced in January which caused me to struggle making the agreed payments. As expected I started to get bombarded with texts asking me to contact them to discuss my account which I did and I ended up entering in to several repayment plans which again I struggled with. I decided that enough is enough and contacted their Customer Service Department to inform them that I wanted to hand back the handset, the person I spoke to told me to return the item to their head office with a covering letter and that my account would be closed with nothing further to pay, all good I thought I've done the right thing by returning the item back to them. Anyway, unexpectedly one of their agents visited my at home at the start of this week advising me of the arrears on my account, I told the agent that as advised by the Customer Service Department I have returned the item with a covering letter, the agent then looked surprised and he asked me which office as we have two?, I told him that as advised I have returned the item to your head office. He left after telling me that he will make some more enquiries but that I may be liable for the full cost of the item if it is not received back and it was a waste of time visiting me. So three days later and not receiving any further texts or calls and thinking that they have received the item back I receive another text informing me that they plan to visit me at home tomorrow to discuss my account...... The fact is that I have returned the item at my own cost but I fear that I have been given incorrect information, I would like some advice on how to proceed though I have e-mailed a Formal Complaint to Perfecthome as well as their Managing Director putting them in the picture as well as asking for texts and home visits to stop. Lets see what happens.
  4. Hi everyone, I'm new to Consumer Action and would like some help please. I currently have some items with Perfect Home and have paid over half off or more on them. Unfortunately last week my employer reduced my hours from 40 to 32.5 per week. I was wondering if anyone has been in this situation and has managed to reduce their payments to Perfect Home as I don't want to return items that I have paid a lot of money on. I have proof of my reduction in hours but I find this company very difficult to deal with. The manager at the store is quite arrogant and hard to deal with and at one point last year quite threatening when I missed a payment. All my payments are up to date and I think have only ever missed 1 or 2 in 2 years. Any help would be very much appreciated. Thank You JH
  5. im new and im so hoping someone could help me , im 38 year old woman and im actually scared everytime the door knocks or the phone rings , i lost my mother through breast cancer last week , i didnt pay ANY bills in fact i even got an £80 penalty because my direct debit didnt go through for tax on my car ! so i obviously didnt contact anyone but these people at perfect homes oh my , they were ringing around 12 times a day (my brother took my mobile off me as i was in a mess) well i finally plucked up the courage to ring them today and i explained that id lost my mother and asked if it was okay i pay £25 a fortnight for a few weeks as i have to pay towards funeral costs , she said to me first off : "im sorry but the lowest we can take is £32" (which is £2 under my normal paying amount) "you will have to come into the store or someone come out for you to sign some paperwork" "we will need to see the funeral costs" i burst into tears and said "do you seriously think im going to ask my dad for a copy of what i have to pay towards my mothers funeral" her answer "yes" i told her "no i will not we are still in a mess over this" she said to me "well we will send someone out to you at 2pm tomorrow and they will come up with a solution for you" what do i do ? im in no fit state to see people i was hoping they would agree to the £25 a fortnight and i could pay online like before , i have 3 items with them and been paying more than the normal amount for over a year , they said i HAD to take out there cover for insurance : ive worked out ive paid £158 just for this insurance i had to have "TAD" it shows up as on my summary page of whats due to be paid i really dont want them to call out here tomorrow and i cant i just cant ask my dad for the funeral costs its hard to even type this let alone ask any help i gladly appreciate thank you
  6. Anyone got advice how to deal with perfect home
  7. Hi There I have 3 iphones that I purchased from Perfect Homes and they are all over 12 months into an agreement that is for 24 months. I have recently lost a lot of income per week due to the benefits change as I am on ESA Support and PIP. Question is if I am unable to pay can they repossess the phones or block them, and how would I go on about getting them on a smaller weekly/Monthly payment? I,m not saying I don't want to pay but we can only pay what we can afford. The amount due per week is £52.00 Thanks in advance
  8. Hi. My first post here. I had a browse on the perfect home site and checked out the price of something I'm interested in. I came to the part where it mentions about id, and at this point I decided not to bother as I mainly operate paperless. an hour or so passes by and I receive a call from them saying they noticed I hadn't purchased anything to which I explain the paperless problem. The polite lady began explaining that I can take pics of my digital proofs and upload them to the site and do it that way. I decided fill out an application, made my first payment, and was told someone will call to sort out identity. Long story short, feel lied to, have read the horror stories and no longer wish to proceed. Where exactly do I stand with regards to calling up the local shop and saying nope, have changed my mind. Thanks in advance.
  9. I moved into a new rental property 5 weeks ago. When I moved in I realised it was a pre-pay meter. I hadn't had one before and immediately called to ask to change to a DD account. I was told I would have to wait a month then have a credit check and then if approved move off. I called today to start that process and whilst I was on the phone the customer service rep performed an Experian credit check and told me I failed and I could not apply again for another 60 days. I logged onto Experian to see my report which is a 989 score out of a possible 999 - an almost perfect excellent rating. It shows a 989 because a couple of months ago I took out a small loan out but I am paying that off as I should and I hope to clear it early in a few months. The only other thing I can think of is it had not updated my electoral register information despite my council telling me on the phone today I am definitely on their list and they have said Experian should update their records this week. So I called British Gas again to enquire further why I had failed their check and they refuse to tell me....well in fact I was told they themselves do not know because she said it was all down to algorithms. Yes computer says no. So, can anyone let me know if British Gas demand a 999 scoring for Experian? And why the do I have to wait 60 days if all it is my electoral registration data had not updated as quickly as it should have? I mean...is that even legal that they force us wait so long? It seems to me just a flimsy excuse to extract more money out of me because of a previous tenant's failure to pay on time. Agh....
  10. Hello my first time posting here so i hope i have posted in the right place ect. Basically i have been with perfect homes since 2012 and never had any problems, probably because we had never missed any payments. Until earlier this year when i was diagnosed with bi-polar disorder,which has been a very hard and stressful time for me and my family. So i have 2 problems with perfect homes that i would like some advice about 1) i have named my partner on my account and put a password on my account that only me and my partner know, i have done this due to my mental health at times i am not able to handle my own finances and rely heavily on my partner to do so, however they still refuse to let my partner pay my bill? therefore if i am unable to pay it i am ending up in arrears, what can i do about this so they have to let my partner pay on my behalf? secondly we have our own home insurance we had had since 2013 i took my insurance policy down when i first got it and they photocopied it no problem, i also took it again when i renewed my home insurance in december of last year, however i recently (on one of my good days) sat down with all my PH agreements and worked out that we are paying an extra £11 a week for their insurance, so we told them they said they had no record of my home insurance (convient) so the store manager came to our house and took pictures of our insurance policy that was months ago and STILL they havent removed the insurance of our account, when we asked why the store manager said the picture he took of our insurance policy was poor quality and we would have to take the policy in store AGAIN. Now i could be wrong but my thinking here is surely that is not my fault? it is his responsibilty to make sure the picture is of good enough quality and either way he has seen it so he knows it exsists? I know it is only 11 pound but it adds up over all those weeks, we have paid over a 1/3 off our goods, I would love any ideas of how i can get away from perfect homes i have looked at many options but i cant afford even to buy the goods second hand and if i saved up for them we would be without essentials whilst i saved? i understand that it may not be possible to get away from them but im hoping there is something i have not thought of! Any advice would be greatly received. thankyou for taking the time to read this.
  11. Hello there... Need a bit of guidance regarding my father. He had some things Perfect Homes in Wolverhampton. Account lovely and smooth. They along with other people allowed him to carry on hence him getting into debt. Now my father is slow. He went to school for children with certain needs. My father is easily coaxed, frightened and easily manipulated into things. I have to keep bailing him out. That is if I find out what he has been up too. He is a lovely man regardless... My father had that many debts I didn't know about - so one firm told him to go bankrupt. I didn't know about this until he told me he couldn't get his benefits out the bank. I questioned him and then he told me. His accounts had been frozen. I told him off and asked him why he had gone bankrupt. He is supposed to be telling me off not the other way round. I managed to get his money out the bank and spoke to his OR (official receiver) and asked her to start guiding my dad being as she was the one who dealt with the bankruptcy. Now my dad has an account with P.Homes and they phoned him while I was there. I asked him why these were not in with the bankruptcy. He said Perfect Homes told him that they do not come under bankrupcy and they would do him for fraud. He believed them as she rudely ridiculed him in the shop. I told my dad to phone his OR and ask her. His OR has now put them on the bankruptcy. Now, while I was out. My father got a phone call from P.Homes having a go at him about a missed payment. That they would put costs on, take him to court, he will go to prison for fraud and embezzlement. They want the goods back (yet I heard if you've paid one third they can't) My father was told by the woman to come straight into the office and sign a form. My father went in, she gave him a piece of paper to sign but she did not tell him what the writing was and he did not read it as she was rudely talking to him making him feel small. Manipulation. My father agreed to paying £25 a week on this paper but the terms he does not know. I asked him to go in and cancel what ever he had done. She said he cannot cancel it. She also said when he asked her for a copy that she could not fetch it as she had customers in the shop and needed to attend to them. There was no one in the shop. She was rude to him. Belittles him as a man. My father can't hardly read, he is on Tramadol, is disabled and half deaf. The woman had no right to talk to him like this. My father has no contracts from anything his had from there apart from three. He has not signed for insurance yet they have put it on. On the three forms that he has - insurance is on but no signature of my fathers. He has also never received statements so he does not know how much he has paid etc... I have sent an email to Perfect Homes complaining about the staffs treatment of my father. I will not have him collapse again. I have also asked for them to cancel the so called letter agreement that my father never read. And I have also let them know I intend to pursue it! Any guidance, tips, information would be much appreciated. Note to others: Do not have anything from these people.
  12. I now see Perfect Homes is doing similar to Brighthouse with this new PerfectCare they have brought out. I wonder if the FCA will be looking into this company also.
  13. Do PH change the agreement number when they re write out a 2nd agreement. I'm asking this as my original agreement had all the insurance etc on and when I had this all taken off and they gave me a different agreement copy. now when I pay weekly and receive my receipt I can't tell what agreement is for what as the numbers on receipt are different to that of my original agreement which means I can't work out whats what and when an item finishes by own reckoning.
  14. Another example of improper recovery of goods from the customer's home - Financial Ombudsman awarded a full refund of all payments, and £300 for the distress caused.
  15. Hi I have recently joined your forum after reading some of the horror stories about Perfect Home. I took out a credit agreement in June 2013 for a suite, everything was going fine until September 2014 when my finances were all over the place. I have had the hundreds of phone calls (not exaggerated) and the bully boys on the door. I sent an email to them through their website asking for a complete breakdown of amounts paid amounts due and what payments were for. I was told when I took out the agreement that the coverplus was compulsory. I got my "statement" from them and it might as well be in Latin there are abbreviations all over it like JND, PAY and JNC, does anyone know what these stand for, I wanted to try to claim back the coverplus I still have the original agreements. Any help would be greatly appreciated.
  16. Hi People. I am wanting to know if you fail to let Perfect Home know of your new address how far to they go in searching for you and tracking you down and what will happened when they find you. I am asking as I am worried about a family member because she can longer afford payments and is moving to a smaller property but says she is not giving the items back as they are a rip off. will they contact police bah bah. Thanks
  17. I decided to ring customer services asking when a certain agreement finished which was taken out on the 10 Feb 2014 for 2 Samsung Tablets. Original agreement was 104 £1007.76 this was changed in summer of 14 when I took out my own insurance so reducing the amount and wks to 84 at £9.68 and total amount payable £813.12. Lady told me on the phone that my payments end in 2016 which is completely wrong as I reckoned it up and it should finish Sep this yr. she states I never started paying until July 14 which was when this new agreement was written up reducing my amount payable. I questioned as to where my payments have gone since Feb 2014 was when I originally started. she couldn't tell me and needs to inquire. Surely they can't throw these payments I've made since Feb 2014 to one side and make me start from the July because I asked them to remove their insurance. the store manager is a waste of time speaking to as the staff can be very nasty when it comes to arguing about something I don't agree with.
  18. Hi I started an agreement with perfect homes 17 Sep 2013 for a Samsung mobile. now my agreement states total amount payable £657.60 over 80weeks. today I receive an annual statement from them through the post which says opening balance £1,012.80 and remaining balance £290.90 Now I know when I first started I had to take all insurance etc. I did get my own insurance which I showed them. what I can't understand is how does my agreement show £657.90 and they are saying that huge amount on a statement. advice really needed please.
  19. Hi looking for email address for Temple Finance so can forward email regarding arrears caused by there store failing to inform me that they had cancelled my Debit Card continuous authority due to their system being changed They took payments from money that had accrued from a slight overpayment and then allowed the account to go 2 weeks into arrears before making any contact They require a new arrangement to be set up and need to have the card swiped to set it up, however, due to work commitments have been unable to get in store and have asked them to send me details for online banking so i can control payments but instead have sent the door step brigade demanding goods back whilst i have been at work have now sent in letter of complaint to the store but cannot find email address for their parent company and customer services I want control of the payments as about to hit them with SAR request and then refund of insurances as despite giving copy of my insurance when agreement was taken out was told theirs was compulsory but after reading this group and others realise it is not !! Also aware from this of the 1/3 rule and repossession of goods and as the agreement has been in pace since Nov 2012 and has just 12 months to run will be standing my ground
  20. Hi folks, today I had a visit from Temple Finance who I now know are Perfect Homes. I will try and keeps this short but informative; I lost my job a few months ago and we were in arrears with Perfect Homes, they harrassed me for weeks even after I spoke to them saying I can make a payment of X amount on X day they flat out refused the payment and continued to add charges. The prices they were demanding were outragously inflated from what we knew we owed I challenged them on this and got them to send paper copies out, we found out we had been paying for insurance - We was about the insurance at time of agreement but was told it was OPTIONAL at which point we refused it and went on from there. Once I found this out I told them I will be happy to pay so long as they take those payments off, they got angry, refused again and said it's in the agreement and I would have been told that it's not optional but compulsory. Now it seems they have passed me onto Temple Finance who sent out a guy in a van today saying he was here to collect my TV and games console, I challanged him for his ID and proof etc, he waved a piece of plastic with a picture of him and "Temple Finance" on it, along with his name and then to his clipboard which had pieces of paper listing pathetically infalted figures of what I now owe. He went on to demand for a payment of £640 off myself or he will take the goods, I said I can't afford this but I will be in contact if he can leave some sort of forms or at least his number, to which he refused. It was getting tiresome going in a circle I went to close the door, he shoved his clipboard in the door to stop it closing (Pretty sure they are not allowed to do that) I said this and he said calm down, said the same things again I need to pay £640 today or it will go to court, at which he showed me what was supposed to be my court paper but looked more like a scare tactic as it definitley wasn't recently printed, looked tatty and a permanent feature of his little clipboard. He also said I could make weekly payments to pay the outstanding debt (around 3k I believe it was) but it would HAVE to be substantly more than what I was paying PH (£34 ish a week) to get him away I said I had to talk to the Mrs as she is the one earning the money at the minute while I am out of work at which point he left his number and went away. Now I am here, worrying about what I can do, I have read all sorts from multiple forums but really need advice related to my problem. Will CAB just tell me to return the goods or will they be able to speak to them to arrange a reasonable payment plan within my budget? I'm not sure how much exactly I have paid but I am almost certain it's a 1/3 or more, I know it's a lot of money and I don't want to just give them over and waste all that money! I'm worried as I don't want them banging on the door every day, I suffer from epilepsy and the main trigger for my seizures is stress, it's not nice to live in fear of having a seizure due to a bully at my own front door! Thanks for reading and hope you can help.
  21. Please Help. I sold my soul to the devil 4 yrs ago when I purchased a Tumble Dryer from Perfect Home!! Believe me I was under no illusion as to their sky high interest rates ect but I had no other alternative as couldn't afford to buy one outright. Since then I have had 5 agreements with them (2 have been paid 3 ongoing). My problem is this: A month before Xmas my cooker broke so having no alternative I once again turned to Perfect Home. All was ok until I missed a payment last week! My weekly repayments are £42 so I now owe £104! This being 2 wks payments Plus £5 late fees ( I have not been informed that the late fees had gone up!!) I cannot afford to pay this all at once so offered to pay £60 today and get my account up to date next week. The man I spoke to said they couldn't do that as they had a new manager and a change of policy??! I spoke to said manager who said they could only take payment in full! Can they do this? He has threatened me with taking my goods so I told him to take me to court and he put the phone down! If anyone can help/advise i would be very grateful
  22. Hi I was wondering if anybody knows how i go about handing furniture back to perfect home please Reason is i am financially no longer able to keep up regular payments with them for goods i received in March 2013 I telephoned my local store stating i can not keep up full payments for the items i have on HP only to be what i can say is bullied and sort of intimidated into lending cash to pay them that weeks payment. Thing is i now am in my 10 day of arrears and im worried they will turn up and take goods away. I have explained that i am unable to keep up full payments and im not sure on what to do next. Has anybody else had dealing with this company and where can i write to into handing back goods and what are my rights into doing so Thank you
  23. Hi I wonder if anybody can give me some information on Perfect home... I stupidly took out a couple of items with them at the start of last year and wish i did not i have been paying a rude amount of money to them ever since i am fully up to date with all payments but do not own cover plus but want to know if i am within my rights to hand the items back as i am financially not able to keep up with the payments anymore and would much rather return the goods than to stay in debt and possibly run up a ccj for non payment any information will be a help thank you
  24. Please Help..! I opened a account with perfect homes just before christmas 2013 for a new settee as i wasnt able to afford a new settee straight out right. I was meant to pay £32 + pence a week but only got paid fortnightly (benefit payment.) i paid £70 + pence every fortnight which included the late fee. Which they moaned at because the payment was a week late (but always paid the full 2 weeks payment!) At the time of getting the sofa we was in a position to pay as we was receiving my partners DLA. Since then our DLA has been stopped due to it changing to PIP (Put a new claim in) and couldnt afford to keep up the payments of £70 a fortnight. We get our money on a saturday & i paid PH on that day. We didnt receive a payment on the normal saturday so obvs had to wait till monday. They rang up on the saturday & said that because i was always late in making payment they was coming to take the sofa. I then shunted it to the side (Silly thing to do) and this all happened 15 weeks ago. My debt built up & i have had numerous phone calls from temple finance, (PH's creditor) threatening to take me to court & getting mouthy at me down the phone so i hung up & ignored every phone call. a man from temple finance came today and i answered the door thinking that it was someone else. He said i MUST make a FULL payment of £526 Today otherwise they are taking my sofa. I told him im in no financial situation to be able to make the payment. I explained our circumstances, and he still said i either had to pay £250 at least otherwise he was going to apply to court. He said i could get a custodial sentence, tagging & a community order and still have no sofa at the end of it all.. what is the chance of going to court over it? Has anyone else been taken to court over it? Is there any help i can get? thanks
  25. i had a tv and 2 laptops off these the tv blew and then i dropped the laptops downstairs into a state of total destruction. when i rang and told them they said they didnt belive me and that the police were going to be notified for theft as deception
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