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Can someone tell me the perfect home insurances I have been payin for prob close on 5 years are they optional

 

as I have always been told they are mandatory since I joined them.

 

If they are not what are my chances of making a claim back on them

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they are optional yes

 

have you all the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No don't think we have been sent any for ages we just pay by card over phone each week , never even knew it was optional til I was browsing this site to be honest as we were always told we had to have it

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Optional.... if youve been pressured into them then you can claim them back as a mis-sell...

Get a SAR request off to Perfect Home now!

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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pers i'd hit them for the lot

 

let them try and argue about whats allowed back.

 

and at their int rate not 8%!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you'll need a £10 PO

 

so easiest way is to printout the SAR

 

put it in a 1st class env

 

go get the PO

 

put their name on it

 

pop it in the env

 

and ask for free proof of posting at the counter

 

the sar is too get all the statements.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Wake up... It's not a mandatory product you have to have... We keep saying this!

 

I don't mean it to sound harsh... Company policy doesn't overwrite the FSA, FCA, OFT, Or Law

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Personally I would do the SAR first before telling them my intentions in case they 'lose' any paperwork.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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This is a question rather than advice,

 

but what do Perfect Home's terms and conditions say?

 

They make loans to pay for furniture and household goods don't they?

 

Traditional Hire Purchase where Perfect Home remain the owner of the goods until the loan is repaid?

 

So why can't they make insurance mandatory as part of their conditions for making a loan?

 

Their website Home page says

"We may require you to take out theft and accident cover if you do not have home contents cover."

 

I can see there's scope for argument about whether this was properly drawn to mart2012's attention in this case,

but in principle why couldn't Perfect Home make that a mandatory requirement if you take out a loan, at least until the loan is repaid?

Edited by Ethel Street
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I understand that but me and my wife have bought a lot of stuff from these and paid off a lot of items

so I would be more than happy just to claim back on the purchased items as that in itself would be a small fortune

as we have been paying them over £30 a week for around 7 years.

 

I did read on the martin lewis forum about claiming this insurance back

and he said it wasn't possible but im willing to give it a try for the bit of effort and the small fee of £10

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there are many successes.

 

just 'because' it's in a T&C Doesn't make it lawful nor unchallengeable.

 

as with PENALTY charges & T&C's with creditcards and loans.

 

there are NO RULES whatsoever that say HP goods 'must' be covered.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

just 'because' it's in a T&C Doesn't make it lawful nor unchallengeable.

 

Of course not, that's just a truism. The opposite is equally true. But back to this specific case, what is the basis for asserting that the t&c requiring insurance is unlawful, which appears to be the advice to mart2012? You need some legal basis for challenging a t&c, what legal basis should mart2012 use to challenge the insurance requirement?

 

there are NO RULES whatsoever that say HP goods 'must' be covered.

 

How's that relevant? The assertion that's been made to mart2012 is that there are rules that say insurance in these circumstances CAN'T be made mandatory in an HP Agreement, an entirely different thing. Which rules are these?

Edited by Ethel Street
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  • 2 weeks later...

..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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