Avoneer
|
| posted on 5/12/04 at 10:47 PM |
|
|
Courts (the furniture shop)
Hi,
I got my leather suite a couple of months back on 9 months interest free and then pay the balance or pay in bits.
Anyone know if i've got a free suite?
Cheers,
Pat...
No trees were killed in the sending of this message.
However a large number of electrons were terribly inconvenienced.
|
|
|
|
|
Mikey G
|
| posted on 5/12/04 at 10:59 PM |
|
|
Doubt it, these are normally set up through a seperate credit agency and not directly with the shop. the agency would have paid the shop the money at
the point of sale and you would then pay the agency back.
Mike
|
|
|
Mark Allanson
|
| posted on 5/12/04 at 11:02 PM |
|
|
I think that court sell the debt to a credit company immediately. Best bet now is to say that the goods are faulty, and you want a replacement.. which
they cannot do - obviously
You could come out of it with a free suite!
If you can keep you head, whilst all others around you are losing theirs, you are not fully aware of the situation
|
|
|
stephen_gusterson
|
| posted on 6/12/04 at 12:12 AM |
|
|
mikey is correct
when i bought mine, its passed over to tricity finance who take the payment when the free period elapses.
I think these companies will be used to sharp practice.
having your credit rating fall sub zero and threat of court action might make trying to avoid paying slightly painful........
atb
steve
|
|
|
nicklondon
|
| posted on 6/12/04 at 07:03 AM |
|
|
when i bought my furinture from them in august their computer system was taking payments twice off of every credit and debit card! and it was doing it
for aleast a month!
|
|
|
splitrivet
|
| posted on 6/12/04 at 09:56 AM |
|
|
Steve and Mike are spot on .What the credit agency work on is that if you dont pay up before the free period,they'll then bang you with a
ridiculous interest rate.You'd have had to fill in a Direct debit mandate so if you forget to pay, whammo they've gotcha.
Cheers,
Bob
I used to be a Werewolf but I'm alright nowwoooooooooooooo
|
|
|
ned
|
| posted on 6/12/04 at 10:29 AM |
|
|
you can always get your bank to cancel the direct debit, it is your right to do so, though you may fall into arrears 
Ned.
beware, I've got yellow skin
|
|
|
stephen_gusterson
|
| posted on 6/12/04 at 10:54 AM |
|
|
spend a very interesting 2 quid on the equifax site.
they will send you within a couple days your full credit report. Dont be tempted to buy online - whatever they say, the 2 quid one is better.
I applied for one as six months ago, vodafone refused me a contract. I was gobsmaked - my credit has no probs.
Just wait and see whats on it.
they know where I live now, and 16 years ago. How long ive been a reg voter in my area. All the loans - current and finished - ive had in the last six
years, and the balances on them. All the credit cards you have and the balances on them. all credit applications / card applications you have made.
and much more. And of course my mortgage.
The only reason I could see for being refused, was that on one credit card, Id missed (thro lazyness, and my wife throwing a bill away by mistake) 2
credit card payments in a row, about a year back. The system logs EVERY month you pay on a card, as to if you payed on time, or how many months late
you were.
You default or cause a problem on a Courts payment, it will come right up on your credit record, which will be checked just about every time you want
the tinyest loan or credit.
its not worth it.
atb
steve
[Edited on 6/12/04 by stephen_gusterson]
|
|
|
%20(WinCE).JPG)
