Help with reclaiming OSC from PerfectHome

[JrnyFan4Life]

Hi everyone.

 

Just after some advice about how to reclaim the OSC on a TV I've got from Perfect Home.

 

I took the agreement out in January 2010.

 

I requested an up to date statement of my account which arrived in the post on Saturday,

and immediately noticed that I have been paying OSC for the last 3 years, despite the fact that I clearly asked for it to be removed.

 

When I spoke to the staff at PH, they said that because I've paid the OSC for the last 3 years without question,

 

I don't have a leg to stand on.

 

Where do I go from here?

[dx100uk]

you put in a reclaim for it all

 

have you done a spreadsheet?

 

then send it too head office.

 

dx

[JrnyFan4Life]

No, I've only just calculated what they owe me - £1268.24. What do I need to put into the spreadsheet, and can I email them rather than send a letter?

[dx100uk]

how? it that with interest added?

 

dx

[JrnyFan4Life]

My calculation is based on what I've paid so far. 191 weeks at £6.64 per week.

[dx100uk]

you are entitled to 8% stat int

as they have deprived you of the use of this money

 

you need to put every payment individually into this spreadsheet.

 

 

This first spreadsheet is the latest version of the statutory interest calculator and is used for Single Premium PPI cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans. It can also be used for S69 redress calculation on any sum, like on a closed/frozen interest PENALTY charges claim.

 

StatIntSheet v101.xls

 

 

if you can identify that they have charged you interest at their rate

then things are diff.

 

I've never seen a PH statement so I don't know.

 

dx

[JrnyFan4Life]

Here's the 1st page of the statement I received from them

 

 

When you say list the payments individually, do you mean the total amount I've paid, or just the OSC?

[citizenB]

Just the OSC premiums - can you use the following method to post up your statement it is a little unclear as it is.

 

 

Dx100 – Instructions on uploading pdfs

Scan the required letters/agreements/sheets

as a picture file

remove all personal info including barcodes etc. using paint

but leave all figures and dates.

Go to one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

open a new message box here

hit go advanced below the message box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB: you can set where it goes in the post by hitting insert inline.

Then hit reply button

 

 

[JrnyFan4Life]

For some reason I can't post attachments in this thread.

[dx100uk]

have you got the go advanced box?

 

have you got the manage box after that?

 

tell us where it fails please

 

dx

[JrnyFan4Life]

There's no manage box when I click on Go Advanced, but it works in other parts of the forum

[dx100uk]

huh weird!

 

you'll have to use photo bucket then.

 

or email me it at dx100_uk@btinternet.com [no spaces] and i'll put it up

 

dx

[JrnyFan4Life]

Hope this is a bit more clearer

 

[dx100uk]

so how do we know what the osc / dlc is on this statement?

 

dx

[JrnyFan4Life]

I don't think PH break it down. The £16.17 is the OSC plus the HP agreement added together. Think I'm gonna have to SAR them and get a full breakdown of what's been paid.

[dx100uk]

not got the agreements?

 

or the T&C's

 

dx

[JrnyFan4Life]

1st page TV

 

 

2nd page OSC

 

[dx100uk]

right so the osc/dlc or whatever is the maint vouchers £863.26

 

and they are charging interest on it!!

 

you pay £6.64PCW on the ins+int = £1321.12

 

so you use the statint sheet

 

and enter £6.64 every week you paid them.

 

dx

[JrnyFan4Life]

Thanks dx. I've entered the information into the spreadhseet and it comes to £1,470.67

Edited September 11, 2013 by JrnyFan4Life

[dx100uk]

does it matter....

past to present

[JrnyFan4Life]

Is there a template letter I can use to send to Perfect Home?

[dx100uk]

sadly no as its not a penalty charges issue

nor

is it PPI

 

however, you could 'generally' base it on a ppi reclaim.

 

can I suggest you have a browse of this buy2own forum

 

and see what others have sent to any of them.

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?313858-Reclaim-OSC-DLC-info-here

[JrnyFan4Life]

How does this sound?

 

 

Temple Finance Limited

The Lodge

Coleshill Manor

Coleshill

Birmingham

B46 1DP

 

CC: PerfectHome Name of Branch I have my account with

 

To whom it may concern,

 

I am writing to inform you that I am giving the required 7 days notice to cancel my premiums for Optional Service Cover.

 

It has come to my attention that at the time of taking the HP agreement out, I was not informed of what OSC was, nor was it explained to me that it could be cancelled at any time.

 

In respect of this I would like a refund of the premiums paid since 11 January 2010, a total of 192 weeks at £6.64 per week for OSC. This is a total of £1,470.87 including interest at 8% per annum which I expect to be refunded to me within seven days.

 

Yours Sincerely

 

 

 

JrnyFan4Life

[JrnyFan4Life]

Letter being handed in to the store tomorrow and a copy being sent to head office.