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Hi I started an agreement with perfect homes 17 Sep 2013 for a Samsung mobile.

 

now my agreement states total amount payable £657.60 over 80weeks.

 

today I receive an annual statement from them through the post which says opening balance £1,012.80 and remaining balance £290.90

 

Now I know when I first started I had to take all insurance etc.

 

I did get my own insurance which I showed them.

 

what I can't understand is how does my agreement show £657.90 and they are saying that huge amount on a statement.

 

advice really needed please.

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it will be their insurances

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Everything was taken off as I got my own insurance.

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can you scan your statements up please

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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everything now in the PDF

 

 

its obv they've charges you for the insurance.

 

 

even though you cancelled hence the £12.66 PCW payments.

 

 

so, you need to get that back

 

 

quite easy

 

 

its £4.44 every week you paid then

 

 

just pop each £4.44 on its date in this spreadsheet on a new line.

 

 

put 29.6 in cell d 15

 

 

and the sheet does the rest

 

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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So the total amount payable is £657.60

 

 

surely this phone should be paid off as my reckoning is we've paid well over £700 so far

and we're still paying £12.66 a wk as they're stating we still owe £260 which would end up us paying over £1000 for it.

 

 

its like another agreement I have with them which was made up before I got my home insurance

they charged us cover etc over 140 wks.

 

 

now when I took my insurance letter in they rectified the payment as it was lower

and a new agreement written out it was dropped to 80wks to pay.

 

 

when I rang wks later to ask how many weeks I had left on the agreement I was stated 140 wks.

 

 

just doesn't seem as if they are reducing or rectifying the weeks on the computer

 

 

so really even though the cover etc was took off we're are still paying the highest amount unbeknown to us.

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then do the same with that

 

 

the insurance cover like PPI is ALL reclaimable

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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then do the same with that

 

 

 

dx

 

the insurance cover like PPI is ALL reclaimable

 

I wonder what they'd say if I went into shop and said that phone agreement should be paid off now as my agreement states to pay back £657.60 and Ive paid over £700 so I'm not paying anything else towards it. they'd prob say if I don't pay they'll take it away.

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dx100uk

 

I sent you a pm as I'm no good at math etc to reclaim, honestly I wouldn't have a clue.

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the insurance cover like PPI is ALL reclaimable

 

I wonder what they'd say if I went into shop and said that phone agreement should be paid off now as my agreement states to pay back £657.60 and Ive paid over £700 so I'm not paying anything else towards it. they'd prob say if I don't pay they'll take it away.

they CANNOT TAKE ANY GOODS AWAY

 

 

you've paid over 1/3rd

read the agreement!

 

 

get those spreadsheets done

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thought they could if they take you to court.

 

Forgot to ask do I do the SAR first

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you find any evidence any of this lot does court

i'll eat my hat


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi, I really need a bit more advice please.

 

 

today I took the two contracts and annual statement in to show I have paid.

 

 

I spoke to the manager who said to me Ah I can see what happened.

the insurance was taken off but the cover plus wasn't.

 

 

we asked for everything months ago to be taken off and even signed a form for it to happen when we got our own.

now according to him we never asked for it to be taken off and they can't find the form we signed.

 

He also said that the £1,012.80 owed is the full amount you pay back even after an new agreement was started saying full amount £657.90.

 

 

I argued that its not the case as once insurance etc was taken off I should only pay £657.90.

he said I can remove the cover plus now but you'll have to sign a new contract,

I refused to sign another as I wasn't sure whether to or not.

 

 

I then said but that phone is paid for in full and

 

 

he still argued that it wasn't and we still owe £290 balance because we're still obliged to pay the cover plus

and even when its removed we still have to finish paying the £290. surely that's wrong.

 

We ended up having to pay the £12.66 weekly payment or they'd apply charges to the account putting us in arrears.

I told him I'll be reclaiming the lot back plus interest and

 

 

he point blankly said in all the years hes been in that industry not one person has been able to reclaim anything as its not possible and can't be done.

 

Advice greatly appreciated please as to whether I should sign another contract to get this cover plus removed.

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no you should not have to sign a new agreement!!

 

 

me thinks you got bamboozled by science..

 

 

why don't you cut out the silly manager

 

 

and put ait all in writing

with your spreadsheets to head office.

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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no you should not have to sign a new agreement!!

 

 

me thinks you got bamboozled by science..

 

 

why don't you cut out the silly manager

 

 

and put ait all in writing

with your spreadsheets to head office.

 

 

 

 

 

dx

 

 

So I def should be finished paying for that phone shouldn't I? will just have to pay it until I sort the spreadsheet out and a letter. where do I send it to? should I also do a sar request for the other agreement as sure they still charging me more on that also.

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sar is a must

 

 

better not to fire arrows until you have proof

 

 

I'd get that complaint to the CEO in now

 

 

they shouldn't be making you take out a new agreement

and should be refunding the insurances fullstop

 

 

funny how the rep here always vanishes when a reclaim thread appears...


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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sar is a must

 

 

better not to fire arrows until you have proof

 

 

I'd get that complaint to the CEO in now

 

 

they shouldn't be making you take out a new agreement

and should be refunding ALL the insurances fullstop

 

 

funny how the rep here always vanishes when a reclaim thread appears...

 

Who's CEO? sorry not done this before

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sorry there was a typo shouldn't re should be above now changed.

 

 

company chairman or chief executive officer

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?428166-Perfect-Homes-Temple-Finance-doorstepper-Demanding-money-stopped-me-closing-door-too/page2&highlight=perfect+homes+CEO


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I have looked at your agreement.

 

The figures state what you must pay.

 

If you have paid that amount, stop paying and tell them to fick off. Really.

 

Your agreement is finished and should they contest this, you WILL win.

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I have looked at your agreement.

 

The figures state what you must pay.

 

If you have paid that amount, stop paying and tell them to fick off. Really.

 

Your agreement is finished and should they contest this, you WILL win.

 

 

Hi, thanks for that. manager stated regardless of the insurance/dlc taken off you still have to pay the £1,012.80 as that also has the apr added. even though my agreement states £657.60 when everything was taken off. they won't take the cover plus off unless we do a new agreement with them which I don't want to do. they still saying we owe £200+ and if not paid charges will be added and a doorstep collector will call. we've paid well over £800

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big deal

doorsteppers are not bailiffs and have no legal powers to do ANYTHING.

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Claim back what extra you have paid.

 

Send them a letter requesting the amount, enclose a copy of the agreement and a copy of what you have paid them.

 

Give them 14 days.

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So should I pay next week again or not? they said if I didn't pay the remainder and it still having cover plus on we'll get late payment fees though everything was meant to come off months ago. shall I just continue paying till I get the sar sent or what. Don't know whats the best way.

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Why would you continue to pay for something you have already paid for?

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