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returned sofa now recieve a default notice


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lo all been reading on here with great intreste lots of top info :)

anyway i need some advice please a month ago i ordered a sofa, big mistake it came faulty. store refused to take it back stating it was there rules to get it repaired and someone would come out. anyway i kept telling them i didnt want this just for them to come and collect it everytime they said no lol i kept paying while this was going on.

two weeks later still no one had come to look so im back at the store and they appologised and then agreed to come and collect it i refused to leave the store till they had given me a date for collection and cancel the agrement which after some words i got what i wanted heheh

week later they came for the sofa (two guys who were rude and adiment i was a fussy customer as there were "nowt wrong with it" as he said)

over and done with i thought !!! today i get a letter from the store with a default notice on the agrement and fee's lol

im due to go pay my for my other item this fri but need to know where i stand before i go in

 

any advice please

 

thanks

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Is it a default notice, or just a letter about a late payment and the charges?

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Is it a default notice, or just a letter about a late payment and the charges?

 

its a default notice stating consumer credit act 1974 etc etc

funny thing is the date of the canceld agreement on the letter says 00-62-2009 and date of missed payment it says is 00-80-2009 so im little confused by it.

 

cheers

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Strange indeed, you're not the only one who is confused here. How many payments have you missed? Did you actually cancel the agreement for the sofa and if so, did you get this in writing?

 

Actually, I have just re-read your original post. To issue a default notice this soon is a big no-no. You have to be in at least 3 months arrears before they do so!! Is there anyway you can scan and post it on here (minus personal details) - I can then check to see if the default notice is correct (there are many things they must state to be valid). I have a feeling it's a dodgy one though, and if so, I would keep quiet until they terminate your account.

 

As for the other item, if they have not complained so far about only paying for that, then carry on doing so.

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Strange indeed, you're not the only one who is confused here. How many payments have you missed? Did you actually cancel the agreement for the sofa and if so, did you get this in writing?

 

Actually, I have just re-read your original post. To issue a default notice this soon is a big no-no. You have to be in at least 3 months arrears before they do so!! Is there anyway you can scan and post it on here (minus personal details) - I can then check to see if the default notice is correct (there are many things they must state to be valid). I have a feeling it's a dodgy one though, and if so, I would keep quiet until they terminate your account.

 

As for the other item, if they have not complained so far about only paying for that, then carry on doing so.

 

i havnt missed any payments as when i went in the second time i had to sign a form to cancel it this was on the 27/7/09 and they then arranged pickup following week (3/8/09) and upto then i hadnt missed a payment at all, they wouldnt give me a copy of the cancelation form either untill i said i wasnt leaving till i had a copy they then photocopied it.

like u say im sure they have to at least give me warning before a default notice is issued

i have the photocopied form and also the default notice ill scan them and upload :)

 

cheers

 

edit thought id add i actually paid two weeks prio to the sofa arriving and also two weeks while i had the sofa so all in all 4 weeks payment had indeed been paid no missed payments

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hi,

 

i have worked for a sofa company as a manager, so this is what i suggest:

 

1. Go back into the store and speak to the manager and take in paperwork

2. Also provide the cancellation

3. Make an official complaint about this to head office

4. Who is the company???

 

They cannot default in such a short period of time fact!!! Moreover you don not possess the sofa any longer, was it on HP???

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This is Brighthouse we are talking about! I would go in, and wave the default notice at them and ask what they are playing at. They cannot default you when you have not defaulted. Take a copy of the cancellation notice as suggested above. If you get no joy, then demand to speak to the area manager - get them to contact him/her while you are there. Also, drop an email to Head Office.

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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ok,

 

what you need to do now is send in a letter of the administration act 1970, the thing with brighthouse is that they dont take people to court as it is to costly.

 

I'm no legal expert though.

 

regards

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I'll be able to give more help when I see the default notice :)

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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