(not so) Perfect Home

[scottjames87]

Where to start with this one!!!

 

I have been a customer of the above shop since April this year and I have encountered no end of problems.

These have now since escalated and I want out with a full refund if possible.

 

It all started a couple of months ago.

I fell behind by one week and was threatened at my door regarding police and repossession.

I told them to get off my property and it escalated into a huge row about how I was 'stealing'

(I suppose they look up the definition of that word! How can you steal if something is given to you!?!)

which lead me to removing them from my property by force (within the law... I didn't smack someone before you say!)

as they are deemed as trespassers since they have no authority to be there.

 

Eventually, they left.

 

Someone from another store called me and the matter was sorted out and I was eventually refunded the TAD cover

which shouldn't have been charged in the first place due to my extended warranty cover with my bank which falls into their insurance thingy.

I haven't paid for it. It was free with my bank account since I have banked with them for for the last 10 years.

 

Since then, everything went fine.

For a week!

 

I arranged to pay fortnightly. This went to plan once.

I thought everything was fine until they started knocking again telling me that I am 3 weeks behind with my payments due to my weekly payments not going through.

This, obviously, confused me no end

due to the fact that as far as I was aware, they were taking my payments fortnightly.

 

I refused to pay this as there was no assurance from them that I had ever agreed to pay this way even though the chap who set it up,

who did everything I asked and I couldn't fault him, assured me it was and that he has done it before.

 

So now, I am sat here with a long list of things they have done that are illegal or borderline and, quite simply, I want out!

 

Harassing me with phone calls after closing hours

Calling me 9 times without fail before opening hours

 

Kicking my door when I refuse to answer

 

Contacting my referee's (they are not guarantor's and should not be contacted)

Hiding from the spyhole after they have knocked

Put hands through the letter box in an attempt to unlock the door

 

Point blank refuse a reasonable payment plan to clear my arrears (3 weeks at £11.38 a week. I offered to pay double for 3 weeks. Reasonable no!?!)

 

Constantly leaving voice messages telling me that if I don't answer the door, they will force entry

 

To berate my partner because "on your agreement you said you were living alone"

(she moved in afterwards and her name is not mentioned on it once anyway!

 

Should I inform them that the fish were bought after it and that the dog's insurance was done after it as well))

 

Parking their van outside to wait for me to leave the property (BLOODY STALKING!!!!!!!)

 

Calling up on a withheld number so I will answer (I have to because of my work as some people call on a withheld number)

 

Ringing on a Fax machine so if I answer, they know I'm in as it cuts off (googled the number, guess what came up!!!)

 

Calling up after countless requests not to as I will only speak to a person with authority

and not somebody who is just trying to prey on fears and acting like a bully boy (wrong person to mess with if that's the case)

 

Refusing to end the contract and instead, constantly harass me because, in the lasses words on the phone,

they will lose money as they will have to refund me (which is why I want them to as I will get refunded. If I cancel,

I lose money which I could replace the television with)

 

So yes, I want out and after reading my contract with them it states about repossession and if they do it without a court order. It states

 

If we do take the goods without your consent or a court order, you have the right to get back any money you have paid under this agreement

 

It is linked to the one third thing (which I am just shy of)

but it is so ambiguous as to whether it means if I have paid a third,

I can get the money back or if I can anyway

The key word is OR in the above. I

 

s this why they are trying to get me to pay instead of taking the TV like I have asked them to?

If so, how the hell do I go about getting this sorted!?!

 

Either way, one thing is for sure..

. I won't be jumping into bed with these cowboys again!

[Sparks_]

If any stranger put their hand through my letter box to try and gain entry they would have a sharp slap with a stick to correct their behavior!

[scottjames87]

Unfortunately, I had my hands full of clean washing ready to go upstairs and put them away otherwise, I would have broken arms and fingers.

 

I seriously do not know what to do though. I have countless emails and letters to head office as well as replies from them.

[Sparks_]

The guys who know how to deal with this will be along later, dont worry they can help you

[silverfox1961]

Hmmm! While I may get shot down for this, next time they come a-knocking, let them take the stuff but refuse to sign anything. (signing gives your consent to them removing) Make sure that you record everything. Then go get them for a full refund.

 

I don't know enough about PH's practices but I would be doing the above if it happened to me

[scottjames87]

Hmmm! While I may get shot down for this, next time they come a-knocking, let them take the stuff but refuse to sign anything. (signing gives your consent to them removing) Make sure that you record everything. Then go get them for a full refund.

 

I don't know enough about PH's practices but I would be doing the above if it happened to me

 

So even if they call first, don't answer?

 

I'm not really too fussed if they take the TV as I can use what I paid to replace it or whack a large deposit on a BNPL deal which would give me breathing space.

[National Debtline]

Hello there.

 

Sorry to learn about the situation.

 

From the information you have written I would urge you to undertake a formal complaint. This should always be made to Perfect Home first. If they cannot resolve the complaint you can then take the matter up with the Financial Ombudsman Service. If you have any evidence to support your position it would be very useful. Some of the information you have posted up is likely to amount to harassment. We have a useful fact sheet which you can find here: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=03_harassment

 

You are right in relation to the 1/3 payment. Once you have paid 1/3 of the instalments they would need a court order to try and recover the items. If they recovered them (without your consent) once 1/3 had been paid you would be entitled to a refund of the monies paid.

 

Regardless of how much you have paid they are not allowed to try and force their way in to your property. They are not bailiffs, they are simply employees. To gain entry they would require a court order to do so.

 

Here's also a link to our hire-purchase fact sheet: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=16_hire_purchase_debt

 

Best wishes,

 

David @ NDL.

[dx100uk]

Constantly leaving voice messages telling me that if I don't answer the door, they will force entry

 

do you still have these mesages

 

if so its gameover for them.

 

dx