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    refused credit by DFS
    • #1
    • 22nd Aug 12, 2:28 PM
    refused credit by DFS 22nd Aug 12 at 2:28 PM
    Hi everyone,

    I tried to buy a sofa this Sunday at DFS. My girlfriend convinced me to put 350 of it's 699 on their 0% credit and the remainder I paid in cash (debit card).

    I've got no history of bad debts but are now self-employed and have lived in 4 addresses in as many years. I'm sure this is part of the reason why today (wednesday) I had a call from DFS saying finance had been refused and asking how I would like to pay for the sofa.

    When buying, I asked the salesman specifically whether I could get a full refund in the event that the finance was refused and was told categorically 'yes' in front of myself and 3 other witnesses.

    I'm still waiting for him to call me back but having read a load of stuff online about DFS and the way they operate, I am trying to arm myself before he calls.

    I wouldn't have purchased the sofa if I'd had to pay the full price up front - the 0% interest offer seemed pretty appealing - so I no longer want it.

    Would DFS really go ahead and order the sofa before the finance has been agreed?

    I should also add that the salesman told me to lie on the finance application and say that I was still employed at my old company rather than self-employed! I had to call them yesterday to correct it as I realised the seriousness of lying on a form like that.
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