Perfect Homes Problems VIDEO's will be added :)

[richie699]

Hi i have taken out a purchase agreement with perfect homes / Temple Finance and have been paying £25 a week EVERY week since june 2012 for 2 sofas.

 

i have been very unwell and missed 3 weeks payments,

 

1st note through the door on the 1st week i missed.

 

But i have just had a visit from someone from perfect homes at my door requesting goods or payment.

 

I tried to get the rest of the remaining balance from the store but they couldn't tell me "i had to write to the head office"

 

So i dont know how much is left!

 

i told the lady at the door i had requested this info and cant afford to pay the weekly rate,

 

she started by calling me childish, and said she can get police presence, and they can enter anyway to collect.

 

i told her too and i'll film it she said, and i quote "f*cking go ahead" and laughed.

 

So i gave her a letter saying i remove all rights of access to my property from anyone from perfect homes or temple finance under common law.

 

So she walked away sat in her van on her phone and started to point at me laughing hmmmmm

 

From this point I will VIDEO everything being said at my door from these loons and post it on youtube,

 

no dout it should make for some good viewing when i confront them with the law and challenge them on any bullying tactics and false statements.

 

ANY questions ppl need asking while i'm filming? as i know many people have troubles with them.

 

Watch this space

 

Richie

 

 

 

EDIT LETTER I GAVE TO THE LADY

 

Dear Sir/Madam

Account Ref: Temple Finance Limited trading as PerfectHome

Please be advised that I will only communicate with you in writing.

Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully

Occupier

xxxx xxxxx xxxx xxxx

Edited January 28, 2013 by richie699

[sequenci]

Hello there. Have you paid more than 1/3 of the finance agreement? If so they'll need a court order to recover the goods. Even with it they are not permitted to enter your property. Only communicate in writing, consider reporting them to the Financial Ombudsman.

 

Best wishes,

 

Seq.

[richie699]

I have all the receipts and have payed over £700 for the goods upto now, no dout there gonna be back trying to bully me hahaha

 

Thats why i'm gonna video them and shame them here.

 

I know they have NO powers of access to my property no matter what there bits of paper and swearing collectors say

 

Thx

 

Richie

[dx100uk]

it would be better if you did not publish the videos

on CAG until they are checked please

 

how about upsetting them more with a OSC and DSC reclaim

 

dx

[dx100uk]

she started by calling me childish, and said she can get police presence, and they can enter anyway to collect.

 

thats why!

 

dx

[Sparks_]

Can I ask....was she on her own? If so how in hell was she planning to remove the sofas by herself?

[remotecontrol]

The sales assistant can see your full remaining balance along with any outstanding payments on screen as soon as you give them your name.

Demand you see your account information on screen, if they wont let you behind the counter, they can bring these details up on one of the laptops they regularly process their sales on.

The staff are advised to tell you to write a letter to head office purely for it to be awkward for you and to encourage you to forget about paying off your balance. They bank on customers not wanting to bother.

 

Perfecthome and the like do not want to tell you your balance as it is not in those company's financial interest for you to finish your agreement early.

More money is made on interest and any cover you may have on your items (coverplus, theft and accidental damage), therefor the longer you are paying for your items the more money they are making from you, plus there is allways the need for you to take out another agreement once you have finished with your present one.

 

If you feel you are fairly close to the end of your agreement term, i would advise, finalizing all payments and never dealing with them again. All the best,i hope you get it sorted! Please let us know how you got on