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    • Hello,   I've recently been awarded PIP for a degenerative condition that has worsened & I'm finding it entitles me to more help with things like council tax, but is there anything else i can now apply for or that i could be able to get more support with now I'm on PIP? 
    • Hi all,   I had an Lloyds bank overdraft in 2019 with the overdraft amount being £1350 maxed out by December 2019. I had left the account alone for two/three months as the overdraft fees were basically ruining me(Adding to the £1350 overdraft), i then received a letter from Lloyds asking me to phone them regarding this debt (This was January 2020). I had phoned Lloyds and we went through an expenditure on the phone and the outcome was i was to make payment of £30 towards the debt for 6 months and then after the 6 months is up they would get in touch with me to discuss further options. (There was mention in January that after the 6 months there was a possibility of a loan to pay of the remaining balance and then you make payments against the loan for however many years/months you choose.) It is worth noting that whilst i was making these payments they seized all interest on my account.    I have made every payment since January and have gradually managed to reduce my overdraft down to £1200. My problem is that the bank have phoned as it now at that stage for re-discussion, they have asked me to go through another expenditure and i panicked and over estimated things to make it look like i had less income; not loads but i was in a deficit of -£47. Due to this they said they could not allow me to take out a loan as it would only mean i was borrowing more to pay of debt which they would not allow. It then got passed over to another team and he said that i only had two options. Take a one month break with all interest etc stopped and this will allow me to seek financial advice elsewhere, or they said they would default the payment and i can then pay the minimum i can afford but the default would stay on my credit file for 6 years. He mentioned that they wouldn't take any money of me to help clear the debt as i had a deficit of -£47 and that shows i financially cannot afford to do that option. I have looked at the effects a default can make to your credit file and it impacts it tremendously.   Lloyds asked me how i cover my expenses every month and i mentioned that my Grandparents help me out sometimes with cash flow. So the gentleman at Lloyd's suggested going away and asking my grandparents if they could contribute money to me to help aid in my debt. so that he could go back to the original team(I think collections team) and say she now has this ____ He is due to phone me on Thursday (Tomorrow). I can afford to contribute probably £50-£80 a month but it would mean cutting down on fuel and some other expenses.   Its worth noting that i have a credit card with Nationwide maxed to £1000 too and this will soon be at the stage where they charge interest and i cannot afford to clear this either. Is this worth writing to them about?   Is there anyone that can advise me on what to do to help me pay as little as i can and avoid the default PLEASE, any help is really REALLY appreciated.   Thank you all in advance.
    • In terms of whether or not this is a private sale, clearly it will be for a judge to decide. It seems to me that we have somebody here who bred a litter of puppies and has sold several of them or all of them at probably around £1200 each. I think that is very different from selling your own private second-hand car to get what you can for it in order, for instance, to buy another one. Anyway it's for the judge to decide. In terms of whether or not the seller is aware of the defects – if they are a private seller – all it really means is that they are not subject to sale of goods legislation so that a purchaser in a private sale does not have specific protections. After that you have to fall back onto the common law of contract and once again I think that the liabilities are reasonably strict and I still think that even in a private sale if you bought something with defects which was represented to you as being without defects then you would probably have a good case. In this case, the dog has been accompanied by a health certificate and I think that is as good as any kind of representation dog is without defects. I think we are coming to an altogether more interesting issue. Apparently the dental defect with this puppy is observable and could have been detected by any reasonably careful examination carried out by a reasonable professional. But apparently also there is the possibility that there may be a more complicated problem which could be addressed by work costing up to £2000. What I'd like to know is whether this more complicated problem is as a result of the failure to spot the initial problem. Even if the initial problem had been spotted, with this still be a possibility that this more complicated work would be necessary? I suppose what I'm getting to his that at what point does one decide that a defect is an unacceptable defect or simply a risk that comes with purchasing all animals and therefore could still be considered as "satisfactory" because it would meet the reasonable expectations of any reasonable pet owner. To put it bluntly: are we saying here that if you buy an animal is less than genetically perfect, that you are purchasing defective goods and you are entitled to a refund? Does this mean that all animal traders are obliged to ensure that all the animals they sell are genetically perfect? This is dangerous territory: eugenics.  
    • a dn can be issued even on one default payment.
    • I think I still remain to be convinced that a court would not find the seller's offer to take the puppy back and give the OP a full refund both reasonable and acceptable.   Ignoring that this is the sale of a puppy, isn't this more akin to the private sale of a second-hand car?   I don't really know what the phrase:  "I recently bought a puppy from a home breeder. They have never breed dogs before and aren't a licensed business" means.  Is this a business to consumer sale, or is it simply the opportunistic private sale of puppies from a domestic litter?  I think the OP needs to establish this because it's not clear to me - yet.   AIUI, if I as a private individual privately sold, say,  a car with umpteen non-apparent faults or defects with it, but I was honestly unaware of them and could not be expected to be aware of them, then I'm not liable for any breach of contract when those faults and defects manifest themselves to the buyer a week later.  Isn't that what worried private sellers of cars are told here when aggrieved purchasers threaten to sue them?  It's not immediately obvious to me why this is necessarily any different - unless this is clearly a business to consumer sale.   The OP also says:  "Our puppy was sold as having passed a full health check from Vets4Pets", and so far as I can see this isn't disputed.  Unless that health check revealed the dental problem the OP is now complaining about, but the OP never was shown it (seems unlikely that the seller would mention it but not make the results available), then I think the seller may well be entitled to rely on it.  What more could they do to ascertain the health of the puppy?   I think this is not necessarily a clear-cut claim, and from the way the OP describes the breeder I think the question whether this is a consumer sale or a private sale may not have a black or white answer.     1.  The OP mentions following advice to buy puppies bred from a "home pet" (or similar such wording).  Not clear if this was the case here, but if it was, doesn't this suggest a private rather than consumer or trade sale?   2.  The OP also suggests that the health of the puppy was misrepresented, but is this necessarily correct?  They say the puppy was advertised as having had a "full health check", but that's not the same as saying the puppy was actually healthy.  And if it was a private sale, is the seller required to declare health problems they are aware of if they aren't specifically asked?
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Anyone got advice how to deal with perfect home

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can you elaborate on what needs to be dealt with please?


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I can't afford the payments i have offered them 3.50 a week

they are refusing and are now staying it will go to next stages but are not saying

 

I got to wait for a letter

 

they're being really unreasonable from the start

and had people at my door three days after the first payment was missed

 

im not even living at my address no more but haven't told them

 

have been contacting them through email

 

what can the do next

 

the debt is about 800

 

Ice not them

 

I'm not handing back the goods

 

Can they find me of one moved also

 

I'm not sure I replied properly.

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How many agreements?

how much are the payments and do they include 5* cover or OSC and DLC?

When did you take the agreements out?

 

Do you have the items still and the original agreements?

 

Sorry for all the questions but in order to help we need as much info as possible


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They're just under £10 a week

it has accidental an theft cover

it was taken out end of October

an yes I have the item

but don't live at the address they have for me

 

can they get the right to come n. My home an take it back if they find me

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

 

The Lodge, Coleshill Manor, Coleshill, BIRMINGHAM, B46 1DL

Edited by martin2006

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I done this

but had the area manager on the phone refusing my offer

 

 

sent them numerous emails and proof of my change of circumstances

 

Can they find me at my new addresse

 

My creditors are temple finance

what is this addresse as I've got a different one for head office e

 

They also won't take off the tad as they say I don't have my own

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You should stay off the telephone - you need to make any offer in writing.

 

Whilst this will obviously give them access to your new address, they will be able to track you down via credit reference agencies, utility, electoral roll.


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Would a court let them take the goods even though I have offered them payments

 

They caught me off a mobile no

I asked them to email to confirm they are refusing my offer

il not giving them my new address

 

Aren't utilities protected against data protection?

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no, they are not bailiffs and have NO RIGHT OF ENTRY without first obtaining a court order.

 

Put your offer in writing to them or via their e mail for customer relations, the address to write to is below.

 

cancel the waste of time and probably mis sold insurances, you dont need them

 

 

Ignore martin, hes had too much to drink :p...

 

Perfect Homes Address

 

Head office

Temple Finance Ltd trading as PerfectHome

Coleshill Manor Office Campus

Coleshill

West Midlands

B46 1DL

 


 

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My apologies vi2016, i have amended the address given in post #7

 

Some utilities will report to credit reference agencies so yes in that respect, they can trace you via utilities.

 

They cannot repossess anything without a court order and they dont do that anyway from previous experience with them.


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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

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Ignore martin, hes had too much to drink :p...

 

HIC :oops:


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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

If its passed back to head office, wait for their reply now, unless you cant receive a reply since youve moved.

 

IMHO i wouldnt try to hide from them, it wont help further down the road


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GEMHL Settled

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

I've genuinely had a change of circumstances and have tried to come to a arrangement t

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I sent a letter to this address recorded delivery am the store contacted me saying they passed it back to them

 

Please make sure that you dont keep posting over and over again... try to keep stuff to one post, it gets difficult to follow and tidy up the thread :)


 

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A Friend of mine had nearly three grand of debt with them told them they weren't getting it an they never contacted her again

 

that doesnt mean for one minute they will just walk away from your account, nor should you think they will


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GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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That's why I'm trying to arrange a payment plan with them

but they are refusing and saying if I don't hand back the goods it will go to the next stage ,

do u no what this is ??

 

I don't want it to go on my credit history either

 

They're saying the least they will accept is five an I've offered them 3.50 a week

 

 

surely this is better than ignoring them an letting them go to next stages

 

 

they haven't visited as I complained and they said I have removed their rights now

 

 

I've fully corresponded with them in emails to try an resolve this

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paying a reduced amount, whether its 3.50 or 5.00 will impact on your credit file as it will be reported that you paying less than the contracted amount.

 

Firstly ask them to remove the unnecessary insurances, this will bring the weekly amount down, do you know how much the item would be without the insurances added on?


PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I've already asked them to remove this in writing

they said unless I can prove I have my own insurance they can't take it off

 

 

it would be about 8 a week with out the insurance

 

 

do you no what the next step is after ive refused to hand back the goods

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I've already asked them to remove this in writing they said unless I can prove I have my own insurance they can't take it off it would be about 8 a week with out the insurance do you no what the next step is after ive refused to hand back the goods

Read the document.... Thats the rules on arrears reporting etc


 

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They will no doubt mark your CRA with late or reduced payment markers, which, when this amounts to 3 months of arrears, could then result in the issue of a default notice, that will be sent to your last known address as held on PH system so if you havent Told them you've moved, you wont know about it.

If the defaulted payments are not brought up to date, they can register a default against you which will remain on your file for 6yrs, regardless of where you are living.

 

All the above info is written in the pages posted above by fkofilee


PLEASE HELP US TO KEEP THIS SITE RUNNING

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Yes I read this so apart from it leaving bad credit which looks like it's out of my hands ,

so after I've refused to hand back the goods what's the next step

 

 

I've been told that after 12 weeks it will go to a debt collection agencies

 

 

do we no what's the next steps from them now

 

 

I'm hoping they will contact me via email as requested as I'm no longer st the addresse they hold for me

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What is the reason you are refusing to simply hand the item back, that would relieve you of the commitment and not have the impact on your credit file?

 

What is the item?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1010 days.

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