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Hello everyone.

Im new to the forums so not sure where to post this.

 

Got a tv and washer from perfect home nearly 3yrs ago now.

 

In October 2011 my TV stopped working.

 

I went into store told them the problem and was told they would come and collect it to have it repaired.

 

After numerous phone calls to them TV was finally picked up for repair 6 weeks after it stopped working.

 

I then was told I had to carry on paying my account which I did.

 

They finally brought TV back at the end of Jan 2012 to find they had smashed the screen in transit.

They just left it with me saying my problem but they still wanted the payments of me.

 

After numerous arguments and buying another TV I went to FOS.

 

After perfect home was contacted by the FOS they contacted me to offer a replacement.

 

I accepted offer but few months down the line again the TV has stopped working.

I have now refused to pay them another penny for the tv as I went so long without one,

had to buy a new one and now left with another that don't work.

 

I have tryed paying for washer still but they are refusing payments saying they want the full amount.

 

I am getting about 20 calls of them aday +2 home visits all that for 2 week non payment!!!

 

Can anyone give me some advice on this matter I am so stressed out at the moment recently had a baby and suffering with pnd so situation really not helping.

 

Thank you in advance.

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you should not be paying for something on HP THAT DOES NOT WORK ..

 

as for the washer, pay what you owe PCW/PCM by your internet banking site

 

they cannot refuse it that way.

 

time t go back to the FOS me thinks.

 

dx

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thankyou for reply.

 

The only problem if I pay them for washer that way is they have told me any money recieved would be put towards the arrears first including charges

I will get evey week for still been in arrears for the TV.

 

Also the service cover on washer will remain void until the whole account is up to date

but I still have to pay for it every week.

 

The TV is payed off fully in January

 

I just don't really want to pay another £400 plus to them for a broken TV.

 

Im a little wary of them saying they will collect to fix because if it takes as long as last time

they will still be wanting payment for it and when the agreement is over I don't think I will get me TV back.

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you REALLY need to read some threads in this forum on perfect homes...

and their antics

PENALY charges are unlawful...get them back reclaim them.

 

your TV and Washer are cover by SOGA.

http://www.oft.gov.uk/business-advice/treating-customers-fairly/sogahome/forcustomers

 

you DONT need ANY extra service cover on either - these are HIRE PURCHASE agreements too.

 

and if you got their 'compulsory' insurance too, get that all back as well.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you dont need extra product insurnace

 

you dont need the extra warranty cover.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Spoken to them again yesterday same story want full payment. I explained I am not paying anymore for faulty item but will gladly pay for washer. They told me they need full payment before they can order a repair on tv.

 

Not sure what to do as don't want to pay for broken TV and even if they do repair it I proberly won't see it again. Even if I return it I still have to pay because I didn't take out service cover.

 

They have also started making up lies saying I haven't reported any faults so I have told them not to phone me anymore I want everything in writing.

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rubbish

soga has nowt to do with debt.

 

head office time me thinks

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

Still had no luck with them.

 

Sent letter to head office explaining situation and also contacted FOS again

but as old case was closed have to start again so may take upto 6 weeks.

 

Could someone please exain to me how to go anout claiming back late payment fees

(My account has had alot of these applied at £3.50 per week per agreement)

 

and also service cover.

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treat them as a credit card claim on PPI/PENALTY charges.

 

but 2 sep claims

 

one for OSC

 

one for PENALTY charges.

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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