Hi Sorry, Sent a reply via my mobile but dont know what happened with it. We went and saw the suite in the store on the 27th of Decemeber, The employee showed us all the colours available so we chose black - As we were doing the finance we had to do it at home on the internet we did it that night and received the confirmation via email. on the 28th the staff member emailed us confirming the colour as black and the delivery date. We then received the suite on Thursday - As soon as I saw it I knew it was the wrong colour but the delivery driver wouldn't take it back. I called both the finance company and branch on the day to advise them of the issues but that is the only calls I have made, I have advised both the finance and store I will not speak on the phone as want everything via email or post as that way I have proof of everything. I didnt record the calls The finance company is Divide buy and the store is tradesofas.com I have sent an email to both finance and store advising we are rejecting the suite so just awaiting their replies. Will keep you all updated

Thats great to hear Thank you both for your quick reply. I sent both sofa company and finance company an email on the day of delivery advising them this so awaiting to hear from them both. I did read online that I would be entitled to a full refund but just wanted to check here to confirm my findings. Hopefully they both accept this without a fight but I will keep you updated. How long should I allow them to reply to my current emails? As just now we are not using the suite and are basically left with nothing to sit on in the mean time. Thanks again

Hi Everyone. In need of some advice. Myself and partner decided we were going to purchase a new suite for our home, We saw a local company who had some good deals and decided go and have a look in store. We picked our new suite on the 27th of December 2018 - We were paying via finance and to do this it is done on the website. we placed the order and received confirmation email confirming the order and also the next day the 28th of December we received another email confirming the full order and details. We have just received the suite yesterday and it is the wrong colour?? The delivery guys would not take the suite back and asked for me to sign the paperwork, I did under protest but signed it advising wrong colour, scuff on arm and leg broken. I then called the store and spoke with the owner of the company and he asked we send him photos of everything - photos were sent and a few hours later he called back to say scuff marks will wipe off with a hard rub due to the material, guy on way to fix leg, he didn't acknowledge the colour until I said to him about it and he advised he had a note on his system from another employee stating we had called to ask to change the colour?? This is not something we done and I asked what was the number or who called, He advised he could not give me those details as he would need to speak with the employee to find out and she is off until monday. What can we do?? We never asked for any change of colour and we are not happy with the colour or quality . It is not the same quality as the one we viewed. In the emails and sales sheet we have the suite is listed as Largo 16 Black but the delivery sheet that has been left states Largo Grey. Also we have spoken with the finance company and they have advised we have to deal with the retailer. I have not put the names of the retailer or finance company as I dont know if I am allowed but if someone can advise me if this is allowed then I will give thedetails . Thank you

Hi Everyone, Im in dire need of some help with calculations. I have had a successful claim against Welcome and today I received my cheque from them but to be honest I think it is short. I have a statement of figure which they have included. I hope it is k to post them and for someone to help me work them out as I feel that WFS are trying to pay less than they should. Amount of PPI added to loan £696.68 Less rebate of PPI £373.22 Amount of interest added due to PPI Premium £1035.36 Less Rebate of PPI Interest £354.18 Amount of compensation due before calculating 8% interest £1004.64 Amount of payments received towards the PPI Premium and interest since the start date £869.06 8%(simple) interest on the payments made towards PPI (£) £460.31 Withholding TAX £92.06 Total compensation due after calculating 8% interest & withholding income tax at 20% £1372.89 Value of cash to be repaid £1237.30 Value of adjustment to this account £135.58 Total amount of compensation now due £1372.89 Now I have received a cheque for £1237.30 which I honestly dont think is very correct. I settled this loan late 2005 in full. So I maybe wrong but I was going by the amount I paid £869.06 and then calculate the 8% interest from then until todays date. Which is I am correct should work out as £869.06 x 0.08 (interest) x 10 (years) = £695.24 then + 869.06 = £1564.30. I dont know if I am wrong but I dont think I am. Could someone please help with this, Thank you :)

Ah ok , Sorry got you now. We dont have a statment as used the ppi company. but filled in all the docs as requested by the fos, They advised welcome 2 months ago to pay up. fos sent us a form asking for us to sign it to say we accepted there decision. Which was to uphold the complaint

Ah ok . I am awaiting for the FOS to get back in contact with us. Welcome have advised that when they appoint administrators that they will probably offer 1 pence for every pound they owe us. disgrace of a company. Happy to see them go that way they cant continue what to have done in the past.

The loan was just in his name, Only he signed it. So do you think I should make contact with the FSCS? And advise them of the FOS ruling?

Thank you for your quick reply. I never knew my partner had used the company to do the claim :( Only issue we have with going to the FSCS is we have been advised they will not deal with it as the account was opened in 2004 and they only deal with claims after 2005. Nightmare, Cant believe the reply they have sent, Even thought the FOS have found in our favour.

Hi Everyone, Looking for some help. My partner made an application via a PPI company to claim back any PPI he had on his old accounts, They found we had 1 from Welcome Finance on a car we had in 2004. they sent away to claim it back, Welcome instantly declined it and the management company dealing with the claim for him decided to send it to the FOS. 2 Months ago the FOS found against Welcome and advised them to reimburse in a proper manner. But now this is where we need help. Welcome has sent us a letter which I will attach for you to see. they have stated that they are going into liquidation in the next year so have been advised not to make any payments to people?? Can they do this? Or is this another way they are trying in order to get out of paying people there money. I have attached parts of both the letters they have sent. Any advice would be great

That's great I will wait and see when the rest reply.

LOL Will have another look just now Just found it :)

Sorry to be a pain , You have a lot of posts on here, Do you have a link for the letter?

Will have a look just now for the letter Hopefully we can get something sorted. Would be good to have these out of my life

DMP? Is that a debt management plan? I had to start paying some money to them even though I contantly advised them I was unemployed, they asked for my income and I advised them and I was receiving £360 a month and they demanded £10 per week or they would take me to court. I did pay for a while but had to stop due to it being unaffordable Loans all tie in as I was spending money on stupid things due to BPD, and was taken loans to help pay some bills. At the time of these payday loans I was in arrears with my car, phonebill, council tax. and a few other bills. Credit file was completely shot at the time. Sure my score was about 260 on noddle Also will email piggybank and ask for a proper summary

Another - Vivus Principal: £200 Start date 09/02/2013 - Original Due date11/03/2013 Interest: £0 Default Interest: £186 Accumulated daily from 11/03/2013 – 12/09/2013 Default charge: £20 Added 14/05/2013 We have not received any repayments towards this loan. Total mount transferred to Motor Mile £406.00 If there is any further information you require please do not hesitate to contact us. Kind regards,