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    • Hi everyone. We purchased a new bed from dreams 26/12/2017 which was delivered 01/02/2018.  We also purchased their delivery, assembly, take the old one away, tv, mattress, mattress protector, pillows and their 'bed cover' 8 years extended warranty.  We paid by 30 monthly interest free instalments and so just made the final payment.   It is a heavy duty king size lift up storage bed with a built in tv at the end.  It has always been a struggle to lift, my wife cannot do it on her own and it rarely stays up by itself.   At the beginning of this year, we noticed it had started to dip considerably in the middle.  Not the mattress, but the wooden base the mattress is on.  So on 09/02/2020 I emailed them about the issue.  They started by saying the mattress is not covered only the base, until I pointed out it is the base at fault not the mattress.  So they sent out Homeserve on the 25/02/2020 to come and repair.  He did what he called a temporary repair, said that the bed had failed due to a manufacturing or design fault (the metal bolts holding the wooden base to the lift up supports have pulled out of the wood) and that dreams would be in touch to arrange a replacement.  His temporary repair barely lasted a day, the bed was still dipping and he took plenty of photos for himself but seemed in a mad rush to leave.   Of course they didn't contact us, so on 30/03/2020 I emailed them back.  01/04/2020 they emailed back confirming in writing that it is a manufacturing fault and their sales team would contact me, however as expected due to Covid-19 this may take a while.   30/06/2020 I asked for an update.  03/07/2020 they replied saying their claims department would contact me within 5 working days.  They didn't. 15/07/2020 I emailed back asking them to escalate my complaint as well as providing a refund and compensation as we are now struggling to sleep and experiencing back ache due to the bed's extreme dipping, plus I am worried about the mattress getting damaged. 23/07/2020 They replied saying we are not entitled to a refund as it is a guarantee claim and they have passed it once again this time to their guarantee company to contact us. I have still not heard back.   This is now getting beyond a joke and I wanted some guidance on how I should proceed.  We are struggling to sleep in the bed and cannot now even open the bed to access our belongings inside as as soon as you try and lift you hear the sound of breaking wood.   Many thanks  
    • bit obv really... don't eat yellow snow either.   dx  
    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
    • One hope in this growing mess is that local authorities, mainly in the north west so far, like Liverpool, are developing their own systems to test and trace, filling in the gaps of what Serco et al are missing.   But they're doing it with precious little in the way of funding. In the meantime it looks as if Serco [I think it's them] will be given more hundreds of millions on top of the £100 million that hasn't been effective so far in a couple of weeks. Given that the PM has swanned off to Scotland for a couple of weeks this isn't looking good.
    • i've known 10yrs of DD's to be refunded. the company must prove a valid contract for the period. no proof the DD's all get refunded   dx  
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jooshy

HFC Bank / Ford Car Credit - Charges & PPP

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Hope this is in the right forum, took ages looking for a car finance/hfc forum!

 

I've got a Fiesta on finance with Ford card which has been open and being repaid for the best part of 3yrs now. The repayment date is the 1st of the month, which is a total pain in the arse for me as my payday is the 20th. I have explained this to them on numerous occasions and asked them to move the due date for me or make some sort of arrangements as i cannot always make the payment on time. They have always refused and keep slapping me with a £25 late payment fee every other month for missing my monthly payment of £138.65 by a few days despite my efforts to address. The late charges total to £175 and i would like to do something about reclaiming these if possible as i have around £3,100 left on my credit and am trying to tie it up asap without overpaying.

 

Also while looking at my annual statement from Ford i noticed some interesting figures in the statement. When i took out the car they told me that the car (05 Fiesta ZS) was £8,000, and a part-ex for my old Saxo of £2,000 - so my credit agreement was according to my contract is £5,900 - amount repayable with apr of 16.9% is apparently £8,539?? YET my statement and contract for total amount repayable is £10,634!? Looking through the fine print it says that there is a charge for credit of £2,419? What the hell is this?

 

If necessary i will scan docs to help my case further. Please help as i am under the impression that this £2k charge is ridiculous, and should pretty have my car paid off!

 

Help please!

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Hi Jooshy , welcome to the forum ..... :-)

 

You're on the right forum as far as the Bank is concerned .......

 

if you are able to pop into your local branch why not put them on the spot ...... if they won't adjust your payment date , then tell them you'll move your account to a bank that will ........

 

If you're not able to pop in... write to their complaints dept and tell them the same .

 

As for the other question , why not write or phone the Finance company and ask them for a full breakdown of how they arrive at your total repayment liabliity ...ask them to explain this apparent hidden charge of £2000+ .... they have to tell you .

 

Don't forget to send any letters 'Recorded Delivery' so you can track their receipt ......

 

PS : you could also post your second query (ref repayment terms ) in :

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?56-General-Consumer-Issues

Edited by johnnymitch

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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