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dell/creation finance

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Hi all, not sure if this is in the right forum but please move if not.

 

Ok, my partner decided that he wanted to buy a pc from Dell. Having had good experience with them in the past and no problems with the pc's ordered decided to go with them needing an upgrade on an old pc. Now he called Dell and told them which pc he wanted on the buy now pay Oct 2011. All went through fine and creation took out £49 which is what they state they will do on the site.

After a bit of thought he decided the pc he had ordered wasnt the right one for him so he e-mailed Dell to cancel. I must add he DIDNT sign via website or forms with creation finance. Dell called and said he needed to contact CF to get his £49 credited back to him. He did this last week and they said that they would credit his account within 5 days.

 

In the meantime he had ordered another pc from Dell but the lady had put him down as buy now pay next year again when he wanted 24months instead, CF again have taken another £49 due to this mistake. The lady realised the mistake and has said that she will get it sorted out and call back.

 

After 5 days the original £49 hasnt been credited to his account, he has a visa debt card would he be able to claim back if CF do not credit him on the £49 that has been taken out twice now? As I mentioned, he hasnt signed any agreement either on-line or on paper.

 

This is what it says about the £49

 

*'Buy Now Pay Later' Typical example. Cash price £349. A document fee of £49 will be charged in all cases on the date credit is approved. Settle the loan in full by repaying £349 plus an administration fee of £10 within 12 months of the date of the agreement. Total amount payable £408. If the loan is not settled within 12 months of the date of the agreement, then pay 36 monthly instalments of £18.34. Total charge for credit £350.24. Total amount payable £709.24. Typical 29.8% APR. Minimum purchase £349 inc VAT. Written quotations available on request. Finance subject to status. Applicants must be 18 years of age or over and resident in the UK. Terms and Conditions apply. Credit provided by Creation Consumer Finance Limited, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Products shown may vary without notice.

 

 

Would be really greatful if someone could advise on what to do if this money doesnt get credited to his account by CF.

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Hi all,

 

Ok, my partner decided that he wanted to buy a pc from Dell. Having had good experience with them in the past and no problems with the pc's ordered decided to go with them needing an upgrade on an old pc. Now he called Dell and told them which pc he wanted on the buy now pay Oct 2011. All went through fine and creation took out £49 which is what they state they will do on the site.

After a bit of thought he decided the pc he had ordered wasnt the right one for him so he e-mailed Dell to cancel. I must add he DIDNT sign via website or forms with creation finance. Dell called and said he needed to contact CF to get his £49 credited back to him. He did this last week and they said that they would credit his account within 5 days.

 

In the meantime he had ordered another pc from Dell but the lady had put him down as buy now pay next year again when he wanted 24months instead, CF again have taken another £49 due to this mistake. The lady realised the mistake and has said that she will get it sorted out and call back. Still waiting on this call back after nearly a week.

 

After 5 days the original £49 hasnt been credited to his account, he has a visa debt card would he be able to claim back if CF do not credit him on the £49 that has been taken out twice now? As I mentioned, he hasnt signed any agreement either on-line or on paper.

 

This is what it says about the £49

 

*'Buy Now Pay Later' Typical example. Cash price £349. A document fee of £49 will be charged in all cases on the date credit is approved. Settle the loan in full by repaying £349 plus an administration fee of £10 within 12 months of the date of the agreement. Total amount payable £408. If the loan is not settled within 12 months of the date of the agreement, then pay 36 monthly instalments of £18.34. Total charge for credit £350.24. Total amount payable £709.24. Typical 29.8% APR. Minimum purchase £349 inc VAT. Written quotations available on request. Finance subject to status. Applicants must be 18 years of age or over and resident in the UK.

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apply. Credit provided by Creation Consumer Finance Limited, 6th Floor Royston House, 34 Upper Queen Street, Belfast BT1 6FD. Products shown may vary without notice.

 

 

Would be really greatful if someone could advise on what to do if this money doesnt get credited to his account by CF.

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call your bank. Unauthorised payment. they will refund it whilst it is investigated and if you are found to be right then no issue. if you arewrong they will write to you and give you 28 days to put it in your account and they will debit you

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