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    • I recently had the misfortune to return a faulty item to curry's.  Day one lets call it i returned the item to the store and asked for a refund and was refused due to not having a receipt, I escalated the issue to the duty manager who also refused the refund who insisted I needed a receipt and the documentation I had withy me was not acceptable.  I asked him if he wished to check his position as I believed he was in breach of my consumer rights. he refused, So I left to check up on my rights to return the item. After checking I was indeed correct I returned to the store the next day and again asked for a refund and again refund refused by the same manager as before. At which point i asked him if he would confirm in writing why he was refusing to issue the refund again he refused. at which point he said "I could get the police to have you removed" to which I replied that he was in his rights to do so. Police arrived and asked what the issue was I explained that store would not refund a fault item  and was informed that it was not a police issue so they could not help me, but that they would like me to leave the store to prevent a breach of the peace. I responded that If I had been asked to leave the store I would of done so, but as I was never asked to leave I had remained trying to get my refund. As I was exiting the store the manager informed me that I was not welcome in any curry's/pc world stores again and would have to take my issue up with head office.   I have received my refund and had acknowledgement from the curry's ceo team that the documentation I supplied on 2 occasions was all that was required for a refund. They have offered compensation for my time which I have refused as i believe that there is a larger issue here than money.   This below maybe wrong ..hence me asking here. If I was a member of one of the protected groups as defined by the equality's act the burden of proof for discrimination cases falls on the shop owner to prove I was not refused service because I fall into one o0f those category's .(  I am in one of those categories , but its irrelevant ) But if I did not fall into one of those categories the store manager or any employee can refuse access to the store or stores because lets say I was wearing a pink tie on that day and he was offended by the colour Pink and there is no legal or civil recourse. I understand a shop is private property and they can refuse access, but I cannot believe within within English law there is zero recourse for an individual who feels like they have been discriminated against unless you fall into protected category under the equality's act as that seems to fly in the face of the whole purpose of the act was was to provide equality for all. Sorry for the long post.   Could someone point me to where I can find more information on the rights to access a shop and there rights on refusal as it seems to me a change in law may be required. As being refused access to a store because the manager cant do his job seems a little extreme to me. Is it possible to take civil action against the employee of the store or must it be through the company. Thanks in advance for any replies.  
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Perfect homes, do i have any rights?!


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Hello my first time posting here so i hope i have posted in the right place ect.

Basically i have been with perfect homes since 2012 and never had any problems, probably because we had never missed any payments. Until earlier this year when i was diagnosed with bi-polar disorder,which has been a very hard and stressful time for me and my family.

 

So i have 2 problems with perfect homes that i would like some advice about

 

1) i have named my partner on my account and put a password on my account that only me and my partner know, i have done this due to my mental health at times i am not able to handle my own finances and rely heavily on my partner to do so, however they still refuse to let my partner pay my bill?

therefore if i am unable to pay it i am ending up in arrears, what can i do about this so they have to let my partner pay on my behalf?

 

secondly we have our own home insurance we had had since 2013

i took my insurance policy down when i first got it and they photocopied it no problem,

i also took it again when i renewed my home insurance in december of last year,

 

however i recently (on one of my good days) sat down with all my PH agreements and worked out that we are paying an extra £11 a week for their insurance, so we told them they said they had no record of my home insurance (convient)

so the store manager came to our house and took pictures of our insurance policy that was months ago and STILL they havent removed the insurance of our account,

when we asked why the store manager said the picture he took of our insurance policy was poor quality and we would have to take the policy in store AGAIN.

 

Now i could be wrong but my thinking here is surely that is not my fault?

it is his responsibilty to make sure the picture is of good enough quality and either way he has seen it so he knows it exsists?

 

I know it is only 11 pound but it adds up over all those weeks, we have paid over a 1/3 off our goods,

 

I would love any ideas of how i can get away from perfect homes

 

i have looked at many options but i cant afford even to buy the goods second hand and if i saved up for them we would be without essentials whilst i saved?

 

i understand that it may not be possible to get away from them but im hoping there is something i have not thought of!

 

Any advice would be greatly received.

 

thankyou for taking the time to read this.

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If you had your own home insurance then you should not have been forced to take out the very expensive insurance touted by Perfect Homes, that only covers THEIR products.

 

You should obtain all your statements showing the premiums, then complete one of the CAG spread sheets. Download an FOS form and then send copies of everything to Perfect Home's Head/Registered office and ask for the premiums to be refunded to you, along with any associated interest.

 

If they don't refund, then you can take your complaint to the FOS.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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IF you email those 2, I am pretty sure you will get a response a bit more tailored to your problem :)

 

And a side note... F*** Me... Its hard to find info on them they arent on any FCA register until I found them on the IP (Interim PErmissions)

 

Reclaim all the way my dear, :) Cit B is spot on.

 

We could do with some help from you.

 

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If you had your own home insurance then you should not have been forced to take out the very expensive insurance touted by Perfect Homes, that only covers THEIR products.

 

You should obtain all your statements showing the premiums, then complete one of the CAG spread sheets. Download an FOS form and then send copies of everything to Perfect Home's Head/Registered office and ask for the premiums to be refunded to you, along with any associated interest.

 

If they don't refund, then you can take your complaint to the FOS.

 

Thankyou both for your advice citizenB where will i find the CAG spreadsheet? thankyou.

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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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I know it is only 11 pound ....

 

Only £11, you could insure a sports car for that. Take the advice you've been given and go and get 'your' money back.

Come back if you need more help.

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I also think PH have hidden insurance in there new Perfect Care rubbish going down same route as BH as they also tell you that you have to take the Perfect Care or you can't get the item which is blackmail. this also takes you longer to pay for the item than it used to due to them hiking the price of goods up because of the new Perfect Care.

 

Also they aren't interested in seeing your home insurance policy anymore as the staff say its all included which to me is meaning they hide the insurance in Perfect Care in order to get more money from the customer as they must of been losing a lot of money when people were coming in with there own insurance.

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I also think PH have hidden insurance in there new Perfect Care rubbish going down same route as BH as they also tell you that you have to take the Perfect Care or you can't get the item which is blackmail. this also takes you longer to pay for the item than it used to due to them hiking the price of goods up because of the new Perfect Care.

 

Also they aren't interested in seeing your home insurance policy anymore as the staff say its all included which to me is meaning they hide the insurance in Perfect Care in order to get more money from the customer as they must of been losing a lot of money when people were coming in with there own insurance.

 

If you are told that you can't have the item without the insurance and you desperately need it, then sign all these things and then claim back the insurance as mis-sold. Put your mobile on record when you take out the finance and then you can report them and will have the proof that not only was it missold, but should Trading Standards require it, you will have the recording for them.

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Perfectcare is shown as optional on the website.

 

 

You would need their theft and accidental damage cover if your home insurance does not cover hire purchase items as goods need to be cover per the terms of their hire purchase agreement.

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  • 2 weeks later...
If you are told that you can't have the item without the insurance and you desperately need it, then sign all these things and then claim back the insurance as mis-sold. Put your mobile on record when you take out the finance and then you can report them and will have the proof that not only was it missold, but should Trading Standards require it, you will have the recording for them.[/

 

 

Perfectcare is shown as optional on the website. You would need their theft and accidental damage cover if your home insurance does not cover hire purchase items as goods need to be cover per the terms of their hire purchase agreement.

 

 

Where abouts on the Perfect Homes website does it say its optional? Your told in the shop that if you don't take the Perfect Care you cannot have the item.

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there Is no legal requirement for any insurances under the HP scheme

to say its required is wrong.

 

 

its PH's T&C's that say it

they could just as easily say you need to have pink hair

T&C are questionable at the very least

just like the penalty charges

just because it says this and that in the T&C's its not cast in stone.

 

 

all these companies make more on the insurances from customers than the goods are anyhow.

5*'s over

 

 

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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there Is no legal requirement for any insurances under the HP scheme

to say its required is wrong.

 

 

its PH's T&C's that say it

they could just as easily say you need to have pink hair

T&C are questionable at the very least

just like the penalty charges

just because it says this and that in the T&C's its not cast in stone.

 

 

all these companies make more on the insurances from customers than the goods are anyhow.

5*'s over

 

 

dx

 

Fully agree, a while ago i posted a comparision between Expansys and Brighthouse over a G Flex from LG.

New from Brightouse, £1500+ locked to O2 over 2 years. Brand New from Expansys was £330... Unlocked! Thats proof right there!

 

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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PPI is designed to pay the instalments should the hirer not be able to pay for a multitude of reasons, on of those reason could be off work sick. But! and it's a big but, are you questioned about your health and other things? because some policies won't pay out on past illnesses, only new ones. So if you should be off work with something that doesn't get counted, how are the payments going to be met.

Unless a full questionnaire is submitted at the outset, they can't even decide if the policy is suitable - in other words, MIS-SOLD.

 

Anyone who has been forced to take out one of these policies should claim it back whether they have household cover or not, that doesn't come into it.

 

This is pure 100% moneymaking and for no other reason. They have a contract, if you break that contract they can take you to court and send in bailiffs, but that don't bring in as much profit as insurance and is more of a bother,

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Perfect Homes keep saying the Perfect Care you have is not insurance and you need to keep it for the duration of paying for the item. I'd claim all back but don't know how to use spreadsheets or work interest etc out. was never good at maths.

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