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Hello there...


Need a bit of guidance regarding my father.


He had some things Perfect Homes in Wolverhampton.


Account lovely and smooth. They along with other people allowed him to carry on hence him getting into debt.


Now my father is slow.

He went to school for children with certain needs.

My father is easily coaxed, frightened and easily manipulated into things.

I have to keep bailing him out.

That is if I find out what he has been up too.

He is a lovely man regardless...


My father had that many debts I didn't know about - so one firm told him to go bankrupt.

I didn't know about this until he told me he couldn't get his benefits out the bank.

I questioned him and then he told me.

His accounts had been frozen.

I told him off and asked him why he had gone bankrupt.

He is supposed to be telling me off not the other way round.


I managed to get his money out the bank and spoke to his OR (official receiver)

and asked her to start guiding my dad being as she was the one who dealt with the bankruptcy.


Now my dad has an account with P.Homes and they phoned him while I was there.

I asked him why these were not in with the bankruptcy.

He said Perfect Homes told him that they do not come under bankrupcy and they would do him for fraud.

He believed them as she rudely ridiculed him in the shop.



I told my dad to phone his OR and ask her.

His OR has now put them on the bankruptcy.


Now, while I was out.

My father got a phone call from P.Homes having a go at him about a missed payment.

That they would put costs on, take him to court, he will go to prison for fraud and embezzlement.

They want the goods back (yet I heard if you've paid one third they can't)



My father was told by the woman to come straight into the office and sign a form.

My father went in, she gave him a piece of paper to sign but she did not tell him what the writing was

and he did not read it as she was rudely talking to him making him feel small. Manipulation.



My father agreed to paying £25 a week on this paper but the terms he does not know.


I asked him to go in and cancel what ever he had done.

She said he cannot cancel it.

She also said when he asked her for a copy that she could not fetch it as she had customers in the shop and needed to attend to them.

There was no one in the shop.

She was rude to him.

Belittles him as a man.



My father can't hardly read, he is on Tramadol, is disabled and half deaf.

The woman had no right to talk to him like this.


My father has no contracts from anything his had from there apart from three.

He has not signed for insurance yet they have put it on.

On the three forms that he has - insurance is on but no signature of my fathers.

He has also never received statements so he does not know how much he has paid etc...


I have sent an email to Perfect Homes complaining about the staffs treatment of my father. I will not have him collapse again.

I have also asked for them to cancel the so called letter agreement that my father never read.

And I have also let them know I intend to pursue it!


Any guidance, tips, information would be much appreciated.


Note to others: Do not have anything from these people.

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Hi Kenneth


Just ignore them as the debts are now included in the Bankruptcy .......not much they can do...or do to your Father.



We could do with some help from you.



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Hello Andy...


So thankful for the reply.


Can they take his goods. Meaning things from his home that were not from Perfect Homes.

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No... Not without a court order. Even so, the Bankruptcy offers a way out for him.


They are hot air. Just make sure he doesnt let them in


We could do with some help from you.


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



Receptaculum Ignis


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Will tell him, Fkofilee.


But would it be better just to give them the goods back. Don't know what to do on that part. Or leave it for courts to decide if it goes to court?

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Depends on the term of the agreement.



With HP... Not sure as it still means some money maybe outstanding.

So for now, Id be against it.

Perfect Home makes good money, they will write off the goods.

As a bankruptcy case is going through, I think that its a good thing here.

It gives your dad a second chance...


Not as much stigma as ther used to be.



PH will threaten him.



You will need to be a support for him as PH will turn up the heat.


We could do with some help from you.


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



Receptaculum Ignis


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cant under line more what andyorch has said.



the debts to PH are now inc in the BK



theres nowt they can do.



they certainly cannot take goods

he's paid over 1/3rd

and they'll never get a return of goods orer or a CCJ

as the debts are subject to BK.



end of the matter



they can wave all the arms around that they like




and neither is any DCa that sends any scary letters.



if they do get brave and turn up



simply get him to tell them to leave and call the police if they don't




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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