bayv - help please

[newbie92]

Hi, hopefully someone will be able to help me.

 

I currently have 4 items with bayv (first one I got just over 3 years ago),

and I'm starting to really struggle paying my bill each week.

 

 

It is currently £43 a week and as a mum to 2 children on benefits and having a lot of health problems I just can't afford it anymore,

 

 

I am currently about 4/5 weeks in arrears and they are due to empty the meter tomorrow.

 

 

I am terrified to open the door and explain there won't be enough money in the box

and that I can no longer afford them

and I can't return the goods as I genuinely need them (fridge freezer, sofa etc)

 

Is anyone able to give me some advice on how I can tackle this situation?

 

 

I am 23 years old with physical and mental health problems and this really isn't helping me :'(

[dx100uk]

well first thing is

THEY ARE NOT BAILIFFS

 

so they cannot take any of your goods without a court order

AND

you've no doubt paid more than 1/3rd on each item too

 

so don't fall for any of their stupid threats.

and most certainly DONT agree to anything in your home.

 

simply let them empty the meter

then tell them to leave

or you will call the police if they don't.

 

now on to your issue

 

I bet you've got their stupid insurance on your items...

 

you can reclaim all those payments

 

bet you owe them nowt after that's refunded

 

dx

[newbie92]

I'm scared I won't be able to get them to leave :

 

 

/ I've read a lot about how forceful they can get and it's worrying me an awful lot

 

Also, yes I do have their insurance on every item.

 

 

I was told I had to as I don't have home insurance?

 

 

How could I get this refunded?

 

 

Was this not the case?

Thank you so much for replying

[ashmk]

Don't be afraid. They have no power, its your home and you hold the power.

 

They just have a bully boy attuide, as soon as their attuide changes tell them to leave then call the police if they do not.

 

If you can, video record them the whole time they are there, you dont have to hold the camera. Lean it against something. If they do get shirty you have evidence for a claim.

 

Don't be afraid of them, it's all hot air.

[dx100uk]

http://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=bayv+insurance&sa=Search+CAG#gsc.tab=0&gsc.q=bayv%20insurance&gsc.page=1

[newbie92]

Well, he came out on Monday and was talking about a part return on my television

(even though he admitted I'd paid half of the bill already).

He left after emptying the meter saying hell turn up the next day to talk about my options.

 

 

Well, I rang customer service as I didn't want to return anything

n the woman I talked to on the phone said "that's completely understandable"

n asked how much I could afford a week ect n told me to ask agent to set up a payment plan.

 

The agent never turned up on Tuesday, he turned up yesterday instead.

He told me everything customer services said was a lie n he can't do that

(as he put it, he's higher on the food chain)

 

 

he said all he could do was either refinance the items or get me to return the TV which will half my bill each week.

 

I said to him I'll have to think about it, and he said well I'm here now.

N tried to get me to decide there and then which I couldn't do.

 

 

At this point his attitude had changed, I had started crying and was having a panic attack in front of him.

My partner had to ask him to leave 5 times before he finally did.

 

I have wrote customer services an email stating everything they have done

and telling them I now only want further contact in writing.

 

I was wondering if there was anything else I should be doing?

And is there anyway I could get them to agree to a payment plan?

 

I'm not going to be answering the door to them from now on, it's bad for my health in doing so

and I need to think of me n my family right now.

Thanks xx

[dx100uk]

good on you well done

 

 

I'd simply write to them and tell them what you can afford

and then just get on and pay it.

 

 

you've paid over 1/3rd so without a court order

theres noway it can be taken without you agreeing

and don't do that!

 

 

have you investigated getting these silly insurances they make compulsory refunded?

 

 

dx

[newbie92]

good on you well done

 

Thank you, I will do. I'll write to them explaining I want to pay £20 a week (I used to pay £43) and I'll set up a standing order to do so.

And I'm not sure how to do so? Would I need any paperwork? Or would I just email them saying the insurance wasn't necessary and I didn't understand it was optional?

[dx100uk]

I'd p'haps send them an sar and get all the statements?

 

 

dx