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    • Hi All    I've spent 2 weeks without a phone and over 4 hours between phone and livechat talking to samsung about my broke s10e phone screen.   I bought the phone in June 2021 and long and short of it the phone screen broke while in my pocket. I made a call before getting in the car and it was fine. Went to make a call when I got out the car and the screen had cracked and some LCD damage. The LCD damage has now fixed itself. I called samsung to get this repaired and they flat out refused to repair it as it was physically damaged and their warranty only covers manufactuer defects and that all their phones are rigoursly tested. I told them that if all their phones are rigoursly tested and don't break in peoples pockets just like that then my screen must be one with a manufacturers defect and that it is covered by the warranty then. At which point after climbing as high up the chain as I could this was the only answer I would get.    Is there anything I can do here ? I am not lying about it breaking in my pocket. It's got a full phone case only things showing are front/back camera and fingerprint reader and no marks besides from placing my case on. I just don't feel that it's fair that they expect me too pay £190 to fix the screen when it is obviously defective. What if the replacement screen breaks randomly then they will just expect me to pay another £190 I expect.    I've also tried approaching EE who my phone contract is with to which I was advised to go  to samsung or they could quote for a repair or I could early upgrade.   Please any advice would be greatly apreciated I'm at my wits end here.
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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christine63

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NRCREDAGG.jpg?t=1245938063

 

Why does the total charge and monthly repayments not correspond to the interest rate quoted?

 

Where are the trems it refers to?

 

Is this legit?

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The reapyments DO correspond to the interest rate quoted

 

What terms do you mean?

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Do you know the formula to cacluate it as nothing I find on the internet gets to the same repayments at a rate of interest of 7.9%? The APR of 7.9% gets close and as this is rounded up is probably correct

 

The terms mentioned in the agreement under KEY information are not legible as they are not represented within the agreement.

 

There is also " your right to cancel" missing from the agreement

 

Thanks in advance

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Google "dualcalc" that'll do all the calculations for you. It shows the rate of interest as 7.5 something % and the apr as 7.9%.

 

The bit about a right to cancel only has to be in there if you did have a right to cancel. Not all agreements are cancellable.

 

From what you are saying about the other terms it appears that they have not sent you the terms and conditions, which they are supposed to do

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Wow, that looks complicated, dont understand it. However, if your saying the actual interest rate is 7.5% something and the prescribed rate of interest is stated as 7.9%, then surely this makes the agreement unenforceable?

 

I am confused though because with no compounding or extra cost within the loan shouldnt the APR and Interest rate be the same?

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very sorry, I left out a VERY important word (typing in a hurry) the NOMINAL rate of interest is 7.5%.

 

You're right, the apr and actual rate of interest is the same

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So when the statement on the agreement is "The rate of Interest is 7.9%" this is correct?

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yes

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