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i purchased a tv off of these people and now instead of finishing my account next year i been told my payments were reduced without my agreement and now i have to pay for a further 3yrs, i been charged 1163.00 gbp for maintenance vouchers incase the tv breaks down i have never used these they also act as an insurance incase we cant pay the loan back in two yrs they say i have only paid just over a 1,000 pound this company is a total mess no wonder they went into liquidation i refuse to pay anymore until someone explains to me who gave them the right to reduce my payments to double the payback time can anyone advise please

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Guest grizzleguts

Hi an agreement for credit is set between yourself and the original company, they cannot change the agreement, without first giving you 1 months notice in writting.

Seeing it is a credit agreement, I would do a CCA request (this is asking for a copy of the original agreement), if they cannot supply the copy of the original agreement, they would not be able to enforce the agreement in a court of law (see the posts on the Consumer credit act).

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