And my response.....

I thought that I would update you guys with my case... which isnt looking great. Trading standards looked into this for me and emailed me back today....

Hello, Thanks for your kind words clb. I am i touch with Tradig Standards, infact i am going into their offices tomorrow to give them copies of my agreements, and they are gonna have a look at em for me.

Hi Nicola, I am in a similar pickle, but they have actually taken my tv back off me the same day, there was no messing around. They came demanding 2 periods of payments, which i was told on the day was £240ish, and then received a letter yesterday from them saying i was overdue £186 hmm Anyway, from what i hear, when you get to court with these ppl, dependant on how long you have been paying the court rules in your favour. I wouldnt be suprised if you had a couple more threatening letters and then hear no more from them. I'll keep checkin back, i hope you get it sorted hun

Thankyou Silly and mini for your responses. I havent called the police but I did contact my local trading standards, and also Community Legal Advice/Consumer Direct. Awaiting call-backs from these places. I would have been deemed time-wasting if I called the police as i actually signed the TV back over to them, the only reason I did that is because he was adamant he was taking it signed or not... and if I had not signed he said that I would still be liable for payments, and damages if he was to drop it "by accident" on the way out.

Hi I know that this is not the correct forum for this retailer, but its the only one that I saw that looked similar... I hope someone can help/advise me here. Basically I entered an agreement with BAYV in July 2007 for a TV, at the time it seemed like a good idea but after 6months or so well.. my views changed but i was stuck... I never missed a payment, however the majority of the time I didnt use the coin box thing and either paid in cash when they came round, or via a cheque. they NEVER had any issues with this, they just said that by not using the box, it may affect my eligibility to get more goods from them (which at the rates, i didnt want anyway). I left work in Oct 08 and so money became a bit scarce. In Feb 09 the rep that comes round suggested that we refinance the deal, so that the payments would reduce, no extra interest etc, just smaller payments over a longer period. This seemed ideal, on paper anyway. I went from the equivalent of £20 a week to £10 a week... SO winner! Throughout this time i was still making payments via cheque, with no complaints from BAYV. The last time someone came out, again, I paid via a cheque, and yesterday, was collection day. My Acct manager advised me that the previous months payment had "bounced all over the place". And said that they now require that and this periods payment in full, or they would be removing the goods. I advised them that I could not pay in full, and had they contacted me 6 weeks prior (when the cheque bounced) I could have cleared that then. He didnt seem interested, and having had the same rep for some time, he knew my financial situation, in actual fact, he had the reposession papers in his hand ready, so he KNEW i wouldnt be able to pay. I obviously was not pleased, i had paid upwards of £1500 for a TV that you can get for £500 now, and was going to end up with zip. I tried to get some sort of repayment sorted, and enquired about maybe a "grace" period, but this fell on deaf ears, it was full payment now, or the TV goes. I couldnt pay, and he proceeded to unplug the TV etc. Having read my terms, and calling BAYV it turns out when I refinanced, it overided my original agreement and as such, was back to square one. I have no rights whatsoever, the girl over the phone actually said... "We did make you aware that your cheque bounced, we sent you a letter on the 22nd September" YES... you read that right, 22nd september, yesterday, the day when the TV was taken back.... Where can I go from here? i'm mighty annoyed, TV-less and £1500 out of pocket. If i did this to someone, I would be arrested for extortion. I appreciatte any feedback, and hope someone can help me. Thanks Chris.