BAYV Help Info Please

[mdn3486]

hi guys just in need of some help

 

i signed for a TV on the 2nd July 2011 at £15 week

 

collection guy comes every 8 weeks to collect payment

never missed a payment or had a problem

 

my problem is i cant afford the 8 weeks payment which is due this Friday as to a change in my circumstance which has left me skint

 

i will however be ok in around 3 to 4 weeks

 

my question is would bayv take the TV back or could they amend the contract to get my payments down

 

i know my contract would proberly be longer and dearer but if the weekly payments are cheaper that would suite me

 

But do bayv do this or would they say they want the TV

but as it states on my contract they need a court order to do so if i have paid a third off which i have

 

the amount for the third is £549.12p ive paid around £660

if they say they want the TV and not help me and not be understanding to my situtation until i am straight

are they in their right to demand the money or tv and am i in my right to tell them to get a court order for the TV

as it states on my contract if they take it without my consent

they have to legally give me all the money i have paid and i doubt they will hand over nearly £700 to me

 

 

has anybody been in my situation and had any luck with them in changing the agreement

and giving you more time to pay

 

i obviously don't want the hassle of them going to court

and i don't want to give the TV back as ive been paying it for nearly 10months

 

i just want some extra time to pay

 

i already owe 8 weeks so i just need to know where i stand if they start being funny with me

 

ive never missed a payment in the 10months and always paid on time aswell.

 

the details of my contract are

 

• Total Cash Price £899.00
  
• Amount of Credit £899.00
  
• Interest £673.36p
  
• Arrangement Fee £75.00
  
• Total charge for credit £748.36
  
• Total amount payable £1647.36
  
• Duration of agreement 156 weeks
  

Thanks in advance

[dx100uk]

so no insurances?

 

dx

[mdn3486]

so no insurances?

 

dx

 

What do you mean DX thanks

[dx100uk]

these people often make you take out their product or payment insurance

 

not got those ?

 

dx

[mdn3486]

these people often make you take out their product or payment insurance

 

not got those ?

 

dx

Sorry did not no what you ment then lol yes they do

it is called EPS on the contract says 156 weeks at £1.04p total payable £162.24p

 

Thanks

[dx100uk]

well get that reclaimed you dont HAVE to have it

 

you'll get money back and a reduced weekly amount to pay.

 

dx

[mdn3486]

well get that reclaimed you dont HAVE to have it

 

you'll get money back and a reduced weekly amount to pay.

 

dx

I thought that only happens if you have your own sort of insurance ? can you shed any light

 

Thanks

[dx100uk]

is it this?

 

http://www.bayvallsorted.co.uk/

 

dx

[mdn3486]

There is two on my contract EPS and All sorted i am not sure witch one i am paying for can i pm you a picture i just took of the contract as i do not no how to incert one

[dx100uk]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

.

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[mdn3486]

Wont let me do that says i cannot post attachments

 

• You may post new threads
  
• You may post replies
  
• You may not post attachments
  
• You may edit your posts
  

[dx100uk]

not another one with that issue

 

ok you'll have to wait unless you use imageshack or why site

and post the full image links here

 

dx

[mdn3486]

Hear it is think ive done it right anyway lol

 

 

za3er.pdf

[dx100uk]

changed it to PDF

 

it CLEARLY stats they are optional [iF CHOSEN]

 

get reclaiming!!!!

 

dx

[stu007]

Hi

 

Agree with dx100uk on this get reclaiming immediately

[BAYV]

Dear

 

MDN3486

 

If your need a short term bridge 3-4 week we can help, I am unsure who your account manager is but if he has conveyed this to you he is incorrect.

 

There are a number of things we can do to help including;

 

1. Arranged Payment Schedule

2. Payment Bridge (Payment holiday)

3. Reducing your payments

 

Depending on your personal circumstances.

 

You can either contact us direct or email or Chief Executive Officer Graham Clarke on [email protected]

 

or

 

Contact your local TSO - CAB (Please show them this information for when they contact the company)

 

Kind Regards

 

BAYV

[BAYV]

Dear MDN 3486

 

On the matter of product cover and Insurance

 

EPS

 

Provided you have suitable household insurance we can cancel you EPS ( Simply provide a copy of your current insurance and we will write to Castelan Ltd if this was purchased in the last 28 days you will be entitlled to a full refund ( Please see terms and conditions in your Casterlan EPS pack or contact either BAYV or Casterlan customer services on

 

Telephone 0845 2182685 or email [email protected]

 

 

All Sorted

 

You can cancel this at any time ( Subject to the normal terms & conditions provided on the website provided by dx100uk http://www.bayvallsorted.co.uk)

 

Just call our customer services number or again email Graham Clarke

 

Kind Regards

 

BAYV

[Icicle65]

The chances are you've been misled when selling - it's a common tactic used by BAYV promoted by the management of the company. Tell the customer as little as possible then shaft them for everything they've got.