ive fell behind with my payments to perfect homes, what should i do??

[dx100uk]

opps another sucker i see....

 

you do not need ANY of their insurances

 

get them reclaimed and cancel them

 

its an HP agrement

 

there is nowt in the HP rules that says you must have ANY insurance to take out HP.

 

as for being 'late'

 

they have no right to enter your home

nor do they have any rights to their stuff back.

 

certainly if you've paid more than 1/3rd of any agreement

they most DEF have to get a court order.

 

as for the late fees, reclaim those too.

 

when was your last payment?

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?130871

 

is the same MO as PH.

 

dx

[dx100uk]

Send them a denial of implied rights of access letter with a fee of £5000,

send one to the company director and one to the head of collections,

also laminate one and put it on your gate,

 

if anyone calls from the company and you get it on video u can take them court for the above amount for trespass,

 

also like citizenb said ask for the original contract but don't ask for it under the CCA ask for it in accordance to the Bills Of Exchange act 1882

and give them 10 days to reply,

also put something like if you haven't provided me with the proof within 10 days then that will constitute to these terms ( its up to u what u want to put but for example )

 

Your acts are fraudulent

 

There is no debt in the first place

 

Any negetive remarks made to credit reference agency's will be removed

 

Them above are just examples but they should get you your copy of CCAs for free and that is if they still have them,

also you can charge them for not providing you with this evidence that you actual owe them anything say for £1000,

and demand this payment aswell if they haven't provided you with the evidence in the given timescale,

at end of day they would of been putting charges to your account and all this has been adding up, so play them at there own game

 

yea can we leave the FOTL stuff out please

 

dx