Hi I have recently joined your forum after reading some of the horror stories about Perfect Home. I took out a credit agreement in June 2013 for a suite, everything was going fine until September 2014 when my finances were all over the place. I have had the hundreds of phone calls (not exaggerated) and the bully boys on the door. I sent an email to them through their website asking for a complete breakdown of amounts paid amounts due and what payments were for. I was told when I took out the agreement that the coverplus was compulsory. I got my "statement" from them and it might as well be in Latin there are abbreviations all over it like JND, PAY and JNC, does anyone know what these stand for, I wanted to try to claim back the coverplus I still have the original agreements. Any help would be greatly appreciated.