Bayv trouble how to end agreement help please

[MummyPunk]

Hi, I stupidly got a laptop from Buy As You View. First mistake there!

 

I got it 12.3.14 my circumstances have now changed and im unable to afford it now. I moved house rang them and told them.

 

They came banging on my door saying id absconded which isnt true since i told them.

 

 

He threatened me with police and gave me 24 hours to pay £81 or he'd come take the laptop.

 

Now after complaining and having a different man come round i payed.

 

 

Now im unable to make the next payment what is the best course of action?

 

I have read through the contract there is only my signature on it.

Also they are charging me £1354.06 for a £250 laptop as i now find out.

 

Now there is someone due round today to take payment.

 

 

do i just hand the laptop back and a notice to end agreement i got from CAB or what?

 

 

i cant do with the stress when they come round threatening and trying to push thier way into my house.

 

 

I have a 3 year old to think about.

 

 

Thanks in advance

[dx100uk]

really they have threatened the police

and tried to push into your home?

 

 

both of those need reporting to the CEO of BAYV

 

 

they ARE NOT BAILIFFS

and have

 

 

NO SUCH LEGAL POWERS.

 

 

best idea is film them on your phone.

 

 

wnen you write to the CEO

 

 

name names of who threatened the police

and tried to get in your home.

 

 

easiest way is to simply tell them to leave your property.

if they don't

YOU call the police

I would not be paying them at the door either

 

 

we've seen this time and time again on CAG.

 

 

they always put it down to 'bad staff training'

 

 

pers yes I'd hand the item back

but not yet

ask about that to the CEO's office.

[MummyPunk]

Thanks for replying.

 

Yes he did and I did complain thats why a different man came round it was aweful.

 

what do i say to him today? In regards to the payment i cant make?

 

I doubt he will leave if he doesnt get either the money or the laptop.

 

i have emailed in 4 times this week 7 last week and heard nothing!

 

i will be recording this time dont worry.

 

MP

[dx100uk]

tough luck for him

 

 

you are under no legal obl to pay him

or even answer your door.

 

 

THEY ARE NOT BAILIFFS AND HAVE NO LEGAL POWERS.

 

 

dx

[Blondmusic]

BAYV have history of this kind of behavior. They did it to me in 2007, looks like they are still playing their dirty tricks. Have they added their expensive insurances to the agreement?

[MummyPunk]

Unfortunatly yes i do have it as i didnt know.

 

I have just received a message back and they said they would either need to collect a payment every week for the next four weeks,

 

or return the laptop and my arrears and account will be closed down.

 

now i have that in writing should i just give it back?

 

MP

[dx100uk]

if you have it in WRITING that they will WIPE THE DEBT

then I'd be handing it back and be done with this type of credit.

 

 

then get on with reclaiming all those insurance payments.

 

 

dx

[MummyPunk]

the collector text me it i just asked a few questions to confirm.

 

I asked him if he could put it in writing that they will close it and they arent gonna come in a few months and say i owe money.

 

He just said and i quote "if u return it, u wouldnt have to pay anything anymore, u will get a receipt to confirm this aswell"

 

so looks like he'll be collecting it soon.

 

Good riddance. Now how do i claim it back??

 

Thanks guys

[sequenci]

This is important: How much have you paid, how much do you have left under the agreement. Have you ever recevied a 'default notice'

[MummyPunk]

im not sure how much i have paid to be honest.

 

Have never had any for of letter from them. just people banging at my door.

 

I dont even know what my account numer is!

 

the agreement was for £1354 over 156 weeks.

[MummyPunk]

He just said that "bc u have had use of it up till now u wont get any money back, ut like i said, no further payments wld b made so ur not liable for any money.

[veganite]

Giving the laptop back to BAYV seems to be a very good idea since you will then be rid of your contract and people banging on your doors etc.

 

You say that you have been threatened by BAYV rep and also BAYV reps have been banging on your door. This behaviour is not acceptable.

 

Because of the behaviour shown by BAYV, I am wondering whether you would be able to claim more or even all the money you have paid back? Maybe someone else can advise on this? If you can't claim it all back, then you should be claiming the insurances back.

 

Paying £1354.06 for a £250 laptop is ridiculous... so even if you can't claim all your money back it is still better to return the product to BAYV and be rid of their reps who have been banging on your door.