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happy3385

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

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Hi everyone i need some advice please,

 

I fell behind with my payments with perfect homes due to personal reasons, i also moved address within this time aswel.

 

I have been a customer with PH since 08 when i 1st got a tv off them which i am still obliged to pay for even though i thought it was for 3 yrs

but last yr i asked when that would b payed off and was advised it was 5 yrs,

 

i cant find my contracts

 

i have also purchased a fridge freezer and oven off them since but ill cut to the chase,

 

they have been to my house now demanding to come into my property but my bf said i dont live here,

 

they have thretened with police and have asked my neighbours if i live here,

they were asking to come in and my bf declined in the end they said well we will do it the hard way then so he said fine.

 

Id like to try and sort this out but i dont think i can afford to pay everything off the ins,

late payment fee, and the normal pay as alone this was 50 pw.

Any help and advice would be appreciated Thanks xx

Edited by citizenB

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Hi and welcome to CAG.

 

I have moved your thread to the correct forum for you.

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You can ask Perfect homes for a copy of the contract - they should still have it in their possession.

 

I am not sure whether you would need to ask under the CCA act which would cost you £1.00 or whether you need to make a full Subject Access Request which would cost you £10.00.

 

Try simply asking for a copy in the first instance and see what happens.

 

They do NOT have the right to enter your home to remove goods.


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Do you have home insurance ? If so, then you do not need to be paying for Perfect Home's cover.

 

You are aware that when you miss a payment that your items are not covered by the PH insurance !


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi thankyou for the advice ill ask for a copy and see where i get as i am positive it was over 3 yrs as it was my 1st purchase from them.

 

I wont let them in the property i keep the door locked 24/7 so they wont get in.

 

I dont have home insurance yet im due to go to my bank and get some quotes.

 

because i have missed a few payments and im not covered with their PH ins

 

does that mean that i dont have to pay for the weeks ive missed with them,

 

im also paying for the theft and accidental damage which i have asked to be removed

but i keep getting the same reply of u need ur house ins also that ins needs to cover hire purchase products

 

Thanks happy3385

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Hi thankyou for the advice ill ask for a copy and see where i get as i am positive it was over 3 yrs as it was my 1st purchase from them. I wont let them in the property i keep the door locked 24/7 so they wont get in.

 

I dont have home insurance yet im due to go to my bank and get some quotes.

 

So because i have missed a few payments and im not covered with their PH ins does that mean that i dont have to pay for the weeks ive missed with them, im also paying for the theft and accidental damage which i have asked to be removed but i keep getting the same reply of u need ur house ins also that ins needs to cover hire purchase products

 

Thanks happy3385

 

You wont be covered for the weeks you have missed. I will try and find someone who can explain this company and its dealings better than I can :)

 

Especially in respect of the insurance :)


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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No problem.. I am sure the S.O.S. will be responded to soon :)


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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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

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  • Haha 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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DX100uk

my last payment was 11/09/12 well thats my last receipt i can find,

 

ive got the majority of my receipts from 2008 and when i have worked everything out ive paid

£3533.68 for the tv,

£1454.84 for blue ray player which my ex took with him ,

a refurb oven ive paid 196.20 and

fridge freezer £271.80, thats without the ins and suff.

 

Everything apart from the fridge freezer i have paid over 1/3 off

 

I have found my contracts for my oven and fridge freezer just got to get a copy of the blue ray n tv now

 

Also PH havent been today it might be because my bf told them he was going to ask the landlord about my rights as he is a police office

 

 

 

Thanks Clear of Debt ill look into it

 

Thankyou both

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£3533.68 for the tv,

 

For a Television... !!!!


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yep thats the one where i thought it was only for 3 yrs and then got told no its for 5yrs, ive been paying it since april 08

 

my lesson is learned from being young, desperate and not a good saver, think im just going to buy everything out right in the future

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Bloody hell. And these companies try and tell us their not ripping the vulnerable off. Their no better than loan sharks. My telly is a 32inch LCD and only cost £400.

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