Harvey’s sofa

[dx100uk]

it's not.

 

who is stating keep paying?

the separate finance co?

 

dx

[dx100uk]

well that's is not correct

when did you first report issues and when did you sign the agreement with creation (who will state anything to keep you paying)

 

dx

 

[dx100uk]

Were the finance company aware at the time it happened that the original 2 sofas, which i will assume are specifically detailed upon the credit agreement signed with creation, were deemed faulty by the retailer under some form of warranty and taken away with a promise to replace them?

 

you need to be clear that there are two things here..

a supply contract with the retailer, harvey's now Bensons..

a credit agreement with creation 

[dx100uk]

29 minutes ago, Tezandy said:

We never spoke to creation until Harvey’s went into administration.

 

All I know is that they wrote the sofas off and we were told to go to the local Harvey’s to pick out a replacement.

We went and picked out the new sofas and were told that they would just do a straight swap 

 

harveys went down june this year, 

 

and who are they above?

 

sorry for all the questions but its very important to know who to fire arrows at and what type of arrow 

more to come but answer the above first please

 

dx

 

[dx100uk]

so from august 2019 till june 2020, when harvey's went bang, you did nothing to chase this up?

then you wrote your first letter to creation, the finance company?

 

sorry i must say this story is getting mighty confusing..for want of a different word. 

 

so how did this ultimately end in benson's getting involved?

[dx100uk]

ah hang on.

you are now saying:

 

29 minutes ago, Tezandy said:

that we won’t receive any money paid over finance and we will not be getting the sofas 

 

which means, nothing more to pay , but you won't be getting your money paid to date back under the agreement.

which ofcourse bensons have no power to refund anyway.

 

however earlier you said:

 

5 hours ago, Tezandy said:

Oh also you have to keep paying the finance on the sofas you have not and will never receive. 

 

so which is it?

 

no ....you should not have to keep paying.

no ...you should receive back any payments for any months you neither had useable sofa or no sofas at all.

 

that would as BF pointed too.. be under a section 75 claim under the Consumer Credit Act against Creation

though they are going to wriggle like made

though i doubt to date you even knew this existed, nor said anything akin in your complaint? letter to Creation to date?

 

 

[dx100uk]

harveys are not the creditor, so them stating you should continue to make payments and you will not receive your payments back is immaterial.

 

the administrators of harveys are not your target. creation finance are.

 

6 hours ago, dx100uk said:

no ....you should not have to keep paying.

no ...you should receive back any payments for any months you neither had a useable sofa or no sofas at all.

 

 

these issues should be directed toward creation under p'haps a section 75 claim ....as they are the creditor ...they are equally responsible for the actions or inactions of either harveys or bensons.

 

we can appreciate you have had the usual run around, we are not indicating you have lied, merely pointing to the fact that you innocently believed what you have been told to date.

 

go get your moneyback and get the finance agreement cancelled.

 

dx