Perfect home nightmare

[banksarggg]

im new and im so hoping someone could help me ,

im 38 year old woman and im actually scared everytime the door knocks or the phone rings ,

 

i lost my mother through breast cancer last week , i didnt pay ANY bills in fact i even got an £80 penalty because my direct debit didnt go through for tax on my car ! so i obviously didnt contact anyone

 

but these people at perfect homes oh my ,

they were ringing around 12 times a day (my brother took my mobile off me as i was in a mess)

 

well i finally plucked up the courage to ring them today and i explained that id lost my mother and asked if it was okay i pay £25 a fortnight for a few weeks as i have to pay towards funeral costs ,

she said to me first off :

 

"im sorry but the lowest we can take is £32" (which is £2 under my normal paying amount)

"you will have to come into the store or someone come out for you to sign some paperwork"

"we will need to see the funeral costs"

 

i burst into tears and said "do you seriously think im going to ask my dad for a copy of what i have to pay towards my mothers funeral"

her answer "yes"

 

i told her "no i will not we are still in a mess over this"

she said to me "well we will send someone out to you at 2pm tomorrow and they will come up with a solution for you"

 

what do i do ?

 

im in no fit state to see people i was hoping they would agree to the £25 a fortnight and i could pay online like before ,

i have 3 items with them and been paying more than the normal amount for over a year , they said i HAD to take out there cover for insurance :

ive worked out ive paid £158 just for this insurance i had to have "TAD" it shows up as on my summary page of whats due to be paid

 

i really dont want them to call out here tomorrow and i cant i just cant ask my dad for the funeral costs its hard to even type this let alone ask

 

any help i gladly appreciate

thank you

[fkofilee]

Helpless Welcome to CAG!

 

Sorry to hear of your loss, Always very difficult when you lose a family member, especially such a close one.

Please dont be scared. What do you have from PH as products?

 

Can you tell us more about the agreements?

 

No they dont have to see funeral costs... etc .. .Plus Funeral costs wouldn't be down to you to pay as it would normally come from the estate.

 

And NO NO NO!!! They can't force anything to see any info etc. At this time, you should be treated as a vulnerable debtor and they are failing to do this.

 

You can be better than this with them. Take control, you call the shots, they do not.

 

Explain to them that is your offer due to the situation and if need be draft up a very basic I+E.

It may come in handy should you need to take this further.

If they dont play ball, you can also complain. But for now, lets help you get back in a better place!

 

Pay by Standing Order if required...

[martin2006]

Hi Helpless and welcome to cag, you are in the right place.

 

So sorry to hear if your loss and the insensitivity of the vultures that are PH.

 

First and foremost, PH cannot actually do anything, they cant enter your home, they cant repossess anything, they are not bailiffs and have no such powers, ignore them if they try telling you any different .

Do not entertain them at your door and if you can summon the strength, send them a letter demanding they dont call at your home and to keep any and all communication in writing.

 

 

I havent seen the PH online payment system but does it allow you to choose how much you pay or is it set at your weekly payment?

[banksarggg]

hi

thanks all ,

their website allows you to see your agreements and how much you have paid

im so shocked at how much it says on one agreement £11 a week and £7.66 is for the credit and then £3.34 is off the item !

 

ive screenshot the payment button it says you have to pay a week at the least

and they're sending someone out to me tomorrow what should i do ?

 

ive uploaded the payment page on there site and

i rubbed the ID info as im not sure if im allowed to post it on here

 

 

 

 

my mum wasnt working only my dad was part time the dwp said they would pay a bit to help but my dad and all of us want the best for her so we will pay the extra

even me writing this in here just seems so unreal it still has not sank in ,

wish my mind would work properly i hate feeling bullied x

[fkofilee]

my mum wasnt working only my dad was part time the dwp said they would pay a bit to help but my dad and all of us want the best for her so we will pay the extra

even me writing this in here just seems so unreal it still has not sank in ,

wish my mind would work properly i hate feeling bullied x

 

They are most effective (DCAs and Companies similar to BH / PH / BAYV) when you are feeling at your most vulnerable.

Ignoring all of this, The grieving process is tough. Have you sought help with the emotional side of losing your mum?

 

https://www.mariecurie.org.uk/help/bereaved-family-friends/dealing-grief/supporting-a-grieving-family-member-or-friend

 

by phone?

0800 090 2309

Calls are free from landlines and mobile phones. Find out more about our Support Line.

 

http://www.samaritans.org/

 

CALL US

116 123 (UK)

116 123 (ROI)

If there's something troubling you, then get in touch.

 

We're here 24 hours a day, 365 days a year. If you need a response immediately, it's best to call us on the phone. This number is FREE to call.

[martin2006]

http://www.consumeractiongroup.co.uk/forum/showthread.php?381844-Harassment-Letter&p=4136657#post4136657

 

Visit the link above helpless, there is a template you can adapt there

 

Martin

[banksarggg]

thank you all i cannot thank you enough such wonderful caring people willing to help others i think is amazing x

[banksarggg]

so ill ring them tomorrow and say for them not to come out and see me ?

if they ask why what should i say (the woman was not so nice on the phone today)

and what should i do next ?

[martin2006]

Ringing them wont get you anywhere, they will respond better to the written word

[banksarggg]

but they said they have someone coming out tommorow at 2pm ?

[martin2006]

Ok if you think you are up to it, could you adapt the letter and hand deliver it to the store in the morning?

If not, you could always be out when they call and post the letter.

[dx100uk]

however

if someone does turn up

tell them to leave

or you'll call the police

 

 

they ARE NOT BAILIFFS

and have NO SUCH LEGAL POWERS

never ever discuss you debts over the phone

or

at your door

 

 

dx

[AndyOrch]

Go out for the day

[citizenB]

First of all, sorry to hear of your loss.

 

Sadly Perfect Homes are no different to any of the others.. Brighthouse, BAYV etc. Fortunately the Financial Conduct Authority have them in their sights and have recently dealt BAYV a huge blow - hopefully they will target the others now.

 

You do NOT have to open your door to any representative of the company, especially if you are feeling fragile at the moment. You could print/write your letter and simply pass it through the letter box to them.

 

As already pointed out - they have absolutely no authority to enter your home and if they threaten you in anyway (if they turn up) then you should immediately jot down as much of the conversation/their actions outside your home.

 

Report back to us after 2pm whether they turn up or not and we can then advise what you need to do next, if anything.

[brassnecked]

If you have a smartphone film them through the letterbox to capture their threats, it would come in handy later. They cannot demand you stop.

[dx100uk]

Thread is 18mts old

Now closed to stop newbie bumping