Perfect Homes- reduced income - can they repossess goods?

[canniepay]

Hi There

I have 3 iphones that I purchased from Perfect Homes and they are all over 12 months into an agreement that is for 24 months.

 

I have recently lost a lot of income per week due to the benefits change as I am on ESA Support and PIP.

 

Question is

if I am unable to pay can they repossess the phones or block them,

and how would I go on about getting them on a smaller weekly/Monthly payment?

 

I,m not saying I don't want to pay but we can only pay what we can afford.

 

The amount due per week is £52.00

 

Thanks in advance

[dx100uk]

they aren't bailiffs so cant do anything to you

neither can any stupid doorstepper from PH.

neither can they block the phones

 

simply write to them, briefly stating your situation.

offer them a smaller payment for XX mts

 

and inform them you will re contact them at the end of that period to update them

or sooner should your situation change.

 

stay off the phone

you are under no obligation to talk face to face, in store or at your door.

nor to fill in any of their stupid forms should they send any.

 

you might find it useful to reclaim all the stupid insurance you've paid over everything you've ever had from them.

there is NO legal requirement to have any insurance under HP rules.

 

 

get reclaiming!

 

 

if you've not got all your statements

get an SAR running to them too.

[martin2006]

I currently have a claim against BH being looked at by FOS, need any help just ask on thread.

Assuming you have paid for 12 months min then you have already paid them almost £2500 for 3 phones.

As dx advised, send a sar to get all the statements, you will need them, i doubt for 1 min they will want to help you in any way and DO NOT give them back or entertain going to store, everything now in writing only.

[fkofilee]

Okay can i have the details of how long you have had each phone for?

I work it out at just over £2700.... In the last 12 months....

 

Thats extortion in its highest form. Follow the advice above.

[fkofilee]

Lets say these are standard IPhone 7 - Lets take CPW prices. They Say £600 per device. Then thats yours outright.

However in a year you have paid £1100 more than what CPW sell them for and STILL have another year left worth of payments.

 

There are better ways then to go to PH / BAYW Etc... What was the contributing factor that led you to go to PH?

[martin2006]

They would be 5's or 6's, iphone 7 has not been out 12 months yet.

 

I would suspect that the op has used these people due to being on benefits and having option of paying weekly.

 

All of the insurances associated with the phones is unnecessary, you had no legal obligation to take it but of course you will have been railroaded into believing that if you didnt take insurance you could not buy the product.

Reclaim it all back, start with a SAR.

 

Have you ever had to pay late fees? Claim those back too!

[fkofilee]

They would be 5's or 6's, iphone 7 has not been out 12 months yet.

 

I would suspect that the op has used these people due to being on benefits and having option of paying weekly.

 

All of the insurances associated with the phones is unnecessary, you had no legal obligation to take it but of course you will have been railroaded into believing that if you didnt take insurance you could not buy the product.

Reclaim it all back, start with a SAR.

 

Have you ever had to pay late fees? Claim those back too!

 

Yes but the prices would have been very similar at Launch

 

OP- I would get on hand with reclaiming, get your money back:)