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Hi

I wonder if anybody can give me some information on Perfect home...

I stupidly took out a couple of items with them at the start of last year and

wish i did not i have been paying a rude amount of money to them ever since

i am fully up to date with all payments but do not own cover plus but want to know

if i am within my rights to hand the items back as i am financially not able to keep

up with the payments anymore and would much rather return the goods than

to stay in debt and possibly run up a ccj for non payment

any information will be a help thank you

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If the agremeent has never been terminated you can write to them and hand the items back whenever you like. If you've paid over half of the instalments you can walk away with nothing further to pay. If you've not paid half you can still return the items, you can then pay an affordable payment up to the 50% point afterwards. Here's a good fact sheet: https://www.nationaldebtline.org/EW/factsheets/Pages/16%20EW%20Hire%20purchase%20and%20conditional%20sale/Default.aspx

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Hi

Thank you for reply.

Do i have to write to the store i purchased items from or is there a a office i write to regarding this..

The agreement has never been terminated but not sure if i have paid exactly half yet as they

were not forth coming at sending me a full statement when i requested one..

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