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hi my names stacey, i don't really know what im doing on this but I have been searching on the internet to see if i could find anyone in the same situation as me for advice and ive seen this site a few times so ive decided topost on here to see if anyone could please give me some advice about bayv.. i first got in contact with bayv in july 2010 i purchased a 2 and 3 piece leather couch followed by a dryer in 2011.. everything was fine until i got a washing machine with them in august this year.. on thursday 27th september i revived a statement through the post with how much i had paid to them the last 12 months and how much my currant balance was.. my currant balance was nearly 4 grand so obviously i was shocked at the amount as i believed i would of had the couch paid off this coming july and a washer and dryer cant come up to that much money so i rang them! This is when i started to hear the word refinance. I have never heard of refinance before and have never agreed to one.. this is when i then found out they had refinanced my dryer in 2011 i did not agree to this.. i then asked the woman on the phone about me having to sign an agreement to refinance to which she replyed to saying i signed an agreement with the delivery man, i am fuming at this as i asked the delivery men what it was that i was signing and they said to to say u have recived ur goods! I am really upset as i really don't have a clue what im doing about all this and i am not a very confident talker on the phone.. they have also said that i have to pay them what im paying now £190 every 8 weeks till 2015.. this means i am paying for my couch for another 3 years and i do not understand why.. i really don't know what to do and would be really grateful if anybody could give me any advice! Thank u stacey

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Hi welcome to CAG.

 

I cannot understand why the drier would be refinanced.

What was the total ''cash'' price of the items you have

purchased?

Also what is the interest rate charged.?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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hi sorry i had to look through all the papers.. COUCH total cash price £1600 - interest £1070.. DRYER total cash price £340 then underneath this it says 'total cash price of all goods (incl. VAT) £1600' - 'rates of interest which apply to the credit agreement 24.50% (per annum) Fixed' it also says 'the total amount you have to pay under the agreement will be £2750'.. WASHINGMACHINE total cash price £480 then underneath it says 'total cash price of all goods (incl. Vat) £1842 - 'rates of interest which apply to the credit agreement 24.50% (per annum) Fixed' it then says 'the total amount you have to pay. This means borrowed plus interest and other costs £3196' is this any use? am i really sorry i am not good at this stuff at all.. thanks

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Dear staceyO_89

 

Can I ask that you do one of the following please;

 

1. Contact Elaine Mockler Customer Services Director on

 

email [email protected]

 

or Via telephone

 

01656754522

 

Alternativley

 

2. You can contact trading Standard for the registered office

 

Bridgend Trading standards aims to ensure that fair-trading is carried out in Bridgend County Borough so that consumers can purchase goods and services with confidence in the knowledge that they are safe, correctly priced and accurately described

 

Bridgend Trading Standards Service offers a comprehensive consumer advice service that has been awarded the Community Legal Services (CLS) Quality Mark.

The service is provided free to any person who is resident in the county borough or person who has purchased goods or services from a business in the county borough and will give advice on a wide range of issues relating to the purchase of goods or services.

 

The service is available: Monday to Thursday 8.30am to 5pm.

Friday 8.30am to 4.30pm.

 

The service can be contacted by telephone (01656) 643278, in person at the council offices, in writing or by e-mail: [email protected] ov.uk

Initially, anyone contacting the service will be advised of their rights and the trader's responsibility to attempt to resolve the problem.

If this initial attempt fails, the adviser will intervene to try and mediate/conciliate between the parties.

 

Should this fail to achieve a successful result and it is thought appropriate, advice and assistance will be given to seek redress in the county court.

The service also provides a supply of leaflets to assist consumers with their problems and explain their civil rights.

 

Kind Regards

 

BAYV

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Dear staceyO_89

 

Can I ask that you do one of the following please;

 

1. Contact Elaine Mockler Customer Services Director on

 

email [email protected]

 

or Via telephone

 

01656754522

 

Alternativley

 

2. You can contact trading Standard for the registered office

 

Bridgend Trading standards aims to ensure that fair-trading is carried out in Bridgend County Borough so that consumers can purchase goods and services with confidence in the knowledge that they are safe, correctly priced and accurately described

 

Bridgend Trading Standards Service offers a comprehensive consumer advice service that has been awarded the Community Legal Services (CLS) Quality Mark.

The service is provided free to any person who is resident in the county borough or person who has purchased goods or services from a business in the county borough and will give advice on a wide range of issues relating to the purchase of goods or services.

 

The service is available: Monday to Thursday 8.30am to 5pm.

Friday 8.30am to 4.30pm.

 

The service can be contacted by telephone (01656) 643278, in person at the council offices, in writing or by e-mail: [email protected] ov.uk

Initially, anyone contacting the service will be advised of their rights and the trader's responsibility to attempt to resolve the problem.

If this initial attempt fails, the adviser will intervene to try and mediate/conciliate between the parties.

 

Should this fail to achieve a successful result and it is thought appropriate, advice and assistance will be given to seek redress in the county court.

The service also provides a supply of leaflets to assist consumers with their problems and explain their civil rights.

 

Kind Regards

 

BAYV

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