Perfect homes Not so pefect

[bigdaddyuk666]

My partner has been with perfect home now for several years much to my dismay .

 

We have been paying a set amount of £26.59 for awhile even tho our items now only cost £17.58.

 

We made an agreement to reduce this to the lower payment as its a hassle going in to reclaim the extra £9 odd every week due to needing the money for other things.

 

But the following week they still took the higher amount of £26.59 .

 

Been in again and got promised they would change this by the 12th of April but yet again

 

they took the higher amount of £26.59 so went to the bank to try and stop it their end .

 

Unfortunately the way they process payments is off your long card number

 

so the only people who can stop this payment is perfect home

 

but that's not all the bank also told us that they also tried to take the £17.58

 

at the same time luckily there was not enough funds for the £17.59

 

to be processed and even more lucky that we didn't go overdrawn is there anything we can do ?

 

Any help would be much appreciated .

 

 

Damien

 

 

 

 

[dx100uk]

load of cobbreres!!

 

your bank or you CAN refuse any CPA

 

e have been telling people to put a letter into their bank instructing them not to make any payments under any circumstances to these companie

http://whatconsumer.co.uk/visa-debit-chargeback/- it works!

 

banks MUST follow written intructions from their customers !

This fsa guide has now been updated:

 

http://www.fsa.gov.uk/pubs/consumer_...ghts_guide.pdf

 

Here's the text:

 

Cancelling a regular

card payment:

 

When you give your credit or debit card details to a company and authorise them to take regular payments from your account,

such as for a gym membership or magazine subscription,

it is known as a ‘recurring transaction’ or ‘continuous payment authority’.

These are often confused with direct debits, but do not offer the same guarantee if the amount or date of the payment changes.

In most cases, regular payments can be cancelled by telling the company taking the payments.

.

However,

you have the right to cancel them directly with your bank or card issuer by telling it that you have stopped permission for the payments.

Your bank or card issuer must then stop them – it has no right to insist that you agree this first with the company taking the payments.

Be aware, though, that you will still be responsible for paying any money that you owe.

.

see: http://www.consumeractiongroup.co.uk/forum/showthread.php?336569-How-to-remove-a-lender-s-continuous-payment-authority(2-Viewing)-nbsp

.

http://www.fsa.gov.uk/pages/consumerinformation/product_news/banking/know_your_rights/solving/index.shtml

 

 

now

 

I bet you are paying their 'compulsory' insurances...

 

you DONT need them

 

they are not compulsory!!

 

get reclaiming.

 

they must owe your £1000's

[bigdaddyuk666]

no not got any insurance with them as got house insurance why would they lie in the bank saying that they couldn't stop these payments im very confused now but its easily done this early

[bigdaddyuk666]

Many thanks for the advice

 

my partner has rung her bank today and they were more helpful that side

 

i even printed off the fsa pdf in advance in case we had to take a trip to the bank and kick up a storm

 

but thankfully it hasn't got that far yet

 

I'll be glad when we finish with these morons

 

on the lighter side if anyone reads this post who is thinking of going to perfect homes DON'T!!!

 

use a more reputable company ..

[deano_uk]

hi bigdaddy!

your posts are confusing, you say you were paying a higher amount and then this was reduced to a lower amount. you also say that you dont have their insurances as you have house insurance.

are you sure you dont have any other type of 'insurance' such as coverplus? because if you have been paying that you should do as DX has advised and reclaim all the money you have paid for the insurance.

[bigdaddyuk666]

yes we was paying a higher amount but 2 items had finished so we left it at the higher amount for awhile as we was planning to let this mount up to help pay off some items faster but due to our old laptop battery dieing we got a new one through kingston and mutual so we cancelled the higher payment so we could pay double for the new laptop quicker instead so we could pay it in half the time . havent got any cover plus . did have there insurance 2-3 years ago but i suggested to my partner to get our own insurance as it was cheaper and it doesnt just cover the items from PH . Is it possible to reclaim the insurance as its been so long ?

And if so how would i go about doing this ?

[dx100uk]

plenty of threads in this bh forum here which outline the process