Perfect homes, do i have any rights?!

[mommabear123]

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.

[citizenB]

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.

[fkofilee]

[email protected] - Compliance

[email protected] - MD

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.

[mommabear123]

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.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

CISHEET and pop their int rate in cell d15

[Conniff]

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.

[rosey-789]

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.

[Conniff]

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.

[Mommybearsmith]

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.

[rosey-789]

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.

[fkofilee]

If youve been told that you have to have it then youve been missold.

Get the evidence and then reclaim

[dx100uk]

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

[fkofilee]

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!

[Conniff]

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,

[rosey-789]

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.