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Lewis's legal action


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Hi

 

 

on April 2015 i went to lewis's edmonton to buy bed

 

 

eventually i liked one of the display model and it was half price

 

 

i have decided to buy it by finance and paid some deposit onfront,

 

 

i went through all the process and apply finance with lewis's with their partner finance company called ikano

 

 

.After all my direct debit payment hasnt taken

then two weeks aga someone called me from lewis's and told me that when they do finance,

person who done the finance didnt click the e signutare

therefore finance company didnt complete finance agreement

 

 

dispate i did get copy of agreement which was including e signutare on it.

 

 

They called me to store to get my signutare.

 

I went today to store and i have been told that i had to go all the way again and apply for new finance.

 

 

I told them i dont want to do it because when i have applied on april my application was gone through

and i got my all papers

 

 

lady admit their mistake and want me to do it again which i refused to do.

 

 

Because when i did apply finance it was effected my credit score which was decreased by 30 points

and i told them i dont want do it.

 

 

I owned them total 350 pound and offered them 250 pound to settle

but lady refused and told me to pay 300 pound cash which i refused

because i prepered myself to pay it in 12 months and after all its not my faults.

 

 

Then staff told me they going to come and collect the bed

and if i dont give bed back told me that they going to take legal action.

 

I would like to find out what should i do in this case?

 

 

I have bought bed and got my finance approved

but after all they come to me finance didnt complete

then asked me to do again which i tought another credit application will affect my credit score again

therefore i didint do it.

 

 

I dont know what to do now,

 

 

do i have any rights to go against them?

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so have you actually gotten the finance?

 

 

the score only goes down for a few months anyway. 12 I think.

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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cant you simply phone you bank

or

using your interweb banking portal

set it up yourself?

 

 

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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cant you simply phone you bank

or

using your interweb banking portal

set it up yourself?

 

 

dx

 

 

i went to store but the only option they gave me to go all finance producure again which i dont want to do it because of the credit score.

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The store is wrong. Go back, take your bank details and speak to a manager there, and tell them exactly what has happened. It should be easy for them to contact their head office or finance company and put your details on the system.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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