Perfect home problems.....

[rockyrover]

I am currently having problems with Perfect Home.

 

It's a little bit of a long story so I'll shorten it.

 

I took out an agreement for a sofa and around 8 weeks later I took out an agreement for a TV (around 18 months ago).

 

At the beginning I always paid on time (including their insurance) but then I fell into a bit of financial difficulty

so I removed the insurance etc and since then I have gone into arrears and then caught up.

 

Things have got really tight and there was no way I could catch up the arrears to we took the decision to send the sofa back.

I called the store and arranged collection.

This still left arrears of £70 on the TV which is where I am at at the moment.

 

On Friday I received a visit from the branch debt collector,

now I normally have a good rapport with him (because i often fall into arrears he is here quite often).

 

Now this visit yesterday has really riled me and has caused me to complain to their HO by email.

 

he advised me that if I did not pay they would pass it onto Temple Finance who are (in his words) "nasty pieces of work"

and that they would "hammer none stop on my door / windows and shout through by letterbox"

he even said they would "kick down my door to collect goods".

 

Now I know that legally they cannot do any of this therefore I have emailed the head office as I cannot face another visit on Monday.

 

In the email I have stated that i only wish to correspond in writing and that I revoke the right for any employee of Temple Finance / Perfect Home to visit my home.

 

I have also emailed this to the area manager.

 

I have asked if they can help me. I am not a "won't pay" I am a "can't pay".

 

Does anyone know of what they could do to help me? i.e freeze my account? or put the arrears to the back of my agreement?

 

Any advice would be gratefully received

[fkofilee]

Hmm this is a HP deal i believe?

 

Its wrong for them to threaten you like that... I wish you were able to catch that on tape... That would of been great for the OFT to see ^__^

You could try asking in store if they will freeze it for a while but im not sure they will.

 

Also in my signature below this post is the templates which should have a "Remove all visiting rights" that you can fire off to head office as you shouldn't have to deal with that ever.

[citizenB]

You should certainly make a complaint to the OFT. If Perfect Homes know that the agency they are instructing is prone to breaching OFT debt collection guidance then they too can be in trouble.

[fkofilee]

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

There you go edit it as necessary

[renegadeimp]

Stop talking to the muppet. He has zero rights to come to your home. No matter what he says. If he comes again, tell him to leave or the police will be called and he will be removed by force.

[fkofilee]

Stop talking to the muppet. He has zero rights to come to your home. No matter what he says. If he comes again, tell him to leave or the police will be called and he will be removed by force.

 

Ooooo so forceful ^__^

 

Imp is right , like i said fire the letter to them to tell them where to go

[dx100uk]

get reclaiming the OSC/DLC you've paid

 

that'll kill the arrears.

 

dx

[rockyrover]

Hmm this is a HP deal i believe?

 

Its wrong for them to threaten you like that... I wish you were able to catch that on tape... That would of been great for the OFT to see ^__^

You could try asking in store if they will freeze it for a while but im not sure they will.

 

Also in my signature below this post is the templates which should have a "Remove all visiting rights" that you can fire off to head office as you shouldn't have to deal with that ever.

 

I refuse to deal with the store as the store manager is an absolute a*se...he just sends the debt manager round to say he wants payment or is collecting goods.

 

I have emailed the "removing all visiting rights" letter to the Head Office which just backs up the email that I have already sent. As yet I haven't heard anything. I sent a copy of my first email to the Area Manager on Saturday and I received a really quick reply. All it said was that he has reviewed my account and noticed I hadn't made payments as agreed previously. It asked me to let him know when I can make any payment for him to see if he can help.

 

I have replied and told him that I can make my weekly payments but cannot afford to catch the arrears up. I am awaiting a response. A copy of this was also emailed to head office.

[rockyrover]

You should certainly make a complaint to the OFT. If Perfect Homes know that the agency they are instructing is prone to breaching OFT debt collection guidance then they too can be in trouble.

 

It isn't an agency it is their own staff! They just like their customers to believe that Temple Finance are a different outfit.

[rockyrover]

get reclaiming the OSC/DLC you've paid

 

that'll kill the arrears.

 

dx

 

I don't have a statement showing what insurances I paid....i have asked the Head Office for this. Would I be able to claim this back for the sofa I have just sent back?

[rockyrover]

Stop talking to the muppet. He has zero rights to come to your home. No matter what he says. If he comes again, tell him to leave or the police will be called and he will be removed by force.

 

I have emailed the "removing visiting rights" letter to Head Office and the Area Manager has also had my request to stop all home visits so hopefully I won't have to deal with this. I have to say though I keep waiting for the knock on the door but really can't face it!

[rockyrover]

Just had the following email from Head Office:-

 

Good Morning. Thank you for your emails which were received today. I understand the Area manager is dealing with the matter and will contact you directly in due course. regards, customer services department.

 

So will just have to wait and see.

[renegadeimp]

If the muppets do come to the door, simply tell them, through the closed door or a window, to leave immediately, or you'll call the local police and have them removed.

 

The idiots will start drivelling on about random crap, but simply close the window and walk away to another room and leave them to talk to themselves.

[dx100uk]

you'll need to SAR them to get all the statements

 

dx

[rockyrover]

Just to update. I have dealt with the Area Manager and he has agreed to freezing my account and that I just make my regular weekly payments. So persistence does pay off.