Perfect Homes - No contract for a Hire Purchase product!! .. what to do?

[ThunderBunny]

Morning all, this is pretty straight forward but something I'd like advice on please.

 

I had a product from PerfectHome just before Christmas.

It was a last minute present that I was waiting for and literally rushed in on Christmas Eve

to pick it up about half an hour before the store was closing.

 

In the rush I can only imagine that the store 'forgot' to get me to sign the HP contract.

I did however sign the form to say I had collected it.

 

I received a phone call the week after saying that they had just realised

I hadn't signed the contract and could I pop down to do it

but as they're quite a distance away from me I never managed to get down.

 

Nobody since then had contacted me about it and I continued to make my weekly payments..

..each week speaking with somebody and it not even being mentioned or chased up.

 

A few weeks ago I had a heated conversation with them about another matter relating to insurance

they tried to charge me, even though I had home insurance!

 

but I did mention in that conversation about how they can't charge me insurance on a product

when I haven't even got a contract for it.

 

The manager said she didn't know I hadn't got a contract

and she would phone me and arrange to come out so I can sign it,

as it was difficult for me to get in with work

 

....I've still not heard anything and still haven't got a contract.

 

So my question is.

 

...yes I know I have this product and yes I have been paying for it,

but legally where do I stand if I don't sort the contract out?

 

Any advice would be much appreciated.

[renegadeimp]

You have to go and sign it. They realised the mistake and want to rectify it.

[sequenci]

The signature won't matter, a court would allow the agreement to be enforced should it be evidenced that you have agreed to the arrangement.

 

Do challenge the insurance, if you have home insurance it may well already be covered by that.

[ThunderBunny]

Thank you for your responses. I do intend to go in and sign it but I've never come across this before and thought it would be useful to know where I stood

[dx100uk]

why cant they mail it to you...

 

dx

[steampowered]

I don't think you should go back to sign the contract, bearing in mind it will cause you inconvenience. You don't have to. It was their mistake.

 

Absolutely they should not be charging you anything in insurance. Make sure you haven't been paying for this already and demand a refund if you have been.

[raydetinu]

you certainly don't have to go anywhere to sign anything, get them to come to you or let them post it and make sure you are happy with it before you do sign it.

[Conniff]

As they have offered to come out to you for the signature, ensure they also bring a statement of payments made and that the agreement is dated from the day you would have originally signed and not the day of the visit.