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BayV late payment and knocking on door uninvited


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Hi there,

A year ago I took out a product with Buy as you view.

I have had no problems and have paid religiously by DD every week.

 

This week I returned from holiday to a letter saying the DD had been cancelled

(my fault I was cancelling several DDs at once online before i went away).

 

this means that the payments have mounted up to £89 owed.

Due to the holiday and not realising they hadn't gone out

 

I rang Buy as you view to advise them I could meet the back log in payments on my next payday

but would continue to pay the weekly amount every Friday until then so I don't owe more.

 

they said to do this I had to arrange for the area manager to come out (which I did for next Thursday) to reset my direct debit up rather than by phone.

 

this evening having got home from a long day,

feeling unwell and with a small child in the house and one on the way

 

a Buy as you view rep bangs on my door.

I didn't answer as I hadn't been expecting him; we had made an appointment for next week.

 

It states on the website they can only visit by appointment.

 

Can anybody advise me where I stand on this please?

Do I have to let them in at all?

Can I make the payments by phone.

 

What has put me off answering and dealing with them in person is now that they have come round uninvited when I have specifically set an appointment.

 

I tried to ring them but was on hold for 56 minutes then told phone lines have closed

 

Best wishes and thanks in advance

Emma

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no you do not have to let them in

they are not bailiffs

and have

no such legal powers

 

 

as for having to see a manager at your home to reset a failed dd

utter bunkum!!!

 

 

as you were advise when you had issues with PH

these types of debts of very low priority you pay what you can when you can.

 

 

what about the silly insurances? got those?

 

 

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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Hi, yes I do have the insurance as I was told I had to take them out in order to get the products in the first place.

So, obviously I want to reset the direct debit back up.

How do I do this?

If I pay what I can when I can will they accept such payments over the phone it in some way?

 

 

Judging by the call I had with them

 

They won't accept part payments only if an area manager comes out.

 

Thank you for your reply

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if I said it cost you £10 per post here would you believe me....:lol:

 

 

you should be able to setup the DD yourself on your banks interweb portal

no don't pay them by card.

 

 

no insurance in compulsory on HP agreements.

if bet if you go read their T&C's it says the insurance is optional

so get reclaiming and you prob owe nowt?

 

 

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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Share on other sites

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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Okay thank you for your help with this.

I can't set up a DD back to them from my bank online I've just checked, only a standing order if I have their account details- which i don't.

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I notice their website front page say OPTIONAL INSURANCE ...BAH!!

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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Share on other sites

I think the way they put it to you is that you need it in order to get the product if you don't have home insurance that will cover HP products.

Thank you for your help

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If your bank won't allow you to set up a DD, then set up a SO, which lets face it is something you control and not the company.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Judging by the call I had with them

 

They won't accept part payments only if an area manager comes out

 

Thats unlawful and you really should have recorded that call. You can pay £1 a month towards the amount owed if you wanted, and theres sod all they can do but accept it. They cannot refuse to take payment towards an outstanding amount

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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I think the way they put it to you is that you need it in order to get the product if you don't have home insurance that will cover HP products.

Thank you for your help

 

 

garbage!!

 

 

there are no rules under the HP scheme that states HP goods MUST be covered by any insurance.

 

 

its their T&C's that state this

and they can be questioned like late charges.

 

 

its how all these companies make their money

 

 

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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