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  • FIRST POST
    • Mila 15
    • By Mila 15 15th Jul 17, 12:03 PM
    • 8Posts
    • 0Thanks
    Mila 15
    Currys PC World Upgrade Anytime
    • #1
    • 15th Jul 17, 12:03 PM
    Currys PC World Upgrade Anytime 15th Jul 17 at 12:03 PM
    Hello,

    Perhaps I am posting in the wrong place, not too sure. But here goes..

    I went into Derby Kingsway Currys PC World branch in Feb 2016 with the intention of buying a laptop. The laptop recently went very wrong and I had to dig out out my receipt, etc as I have a Knowhow careplan with Currys. Then noticed it was a rental agreement rather than a credit agreement and have complained to Currys PC World recently about being mis-sold the agreement.

    On that Feb 2016 day, it was a very busy weekend day and it took ages for someone to talk to me about laptops. Other Currys branches in Derby had recently closed so the Kingsway one was extra busy with not enough staff frankly.

    I same to have ended up with a Upgrade Anytime contract which runs for 2 years which is a rental agreement. Having stated at the time to the store sales assistant that I want to BUY a laptop and am happy to spread the cost along with the careplan, virus protect and cloud storage, I was taken to another sales assistant who very quickly did the 'sale'. He explained that payments of X amount would be direct debited over 2 years and I was happy with that. I passed the credit check (unfortunately). He printed off the contract and I signed it. I know how store credit works, etc so I didn't read the contract agreement at the time. Wasn't really offered any time to read it anyway as the sales assistant was rushing as he had a queue of customers waiting.

    As stated earlier I have recently complained to Currys PC World that the word's lease/hire/rental were never mentioned by the sales assistant. I made it clear on that day I wanted a credit agreement. The rental is through Rentsmart i know now who are a shady bunch of con-artists and there are numerous complaints about them all over the internet. This name was not mentioned verbally by the sales assistant ever, it's not on the name badge, the store is not called Rentsmart. This feels very much like deception to me. I said in my complaint letter I am not happy to pay extra money to Rentsmart after my 24 months in order to keep the laptop. I am 100% not going to return the laptop in order to take out another 2 yr agreement with them . I have never been entirely happy with the Lenovo G50-80 as it's always been very slow at doing anything and has already gone wrong once. All the response I got from Currys PC World to the complaint letter was that I should have read the contract at the time. I can take my complaint to the Ombudsman if I want to

    Has anyone had a situation like this ? Thanks
Page 1
    • bris
    • By bris 15th Jul 17, 12:11 PM
    • 6,716 Posts
    • 5,754 Thanks
    bris
    • #2
    • 15th Jul 17, 12:11 PM
    • #2
    • 15th Jul 17, 12:11 PM
    You have no claim, you must remember to read before you sign.
    • JJ Egan
    • By JJ Egan 15th Jul 17, 1:08 PM
    • 9,484 Posts
    • 3,872 Thanks
    JJ Egan
    • #3
    • 15th Jul 17, 1:08 PM
    • #3
    • 15th Jul 17, 1:08 PM
    What ombudsman ??

    The agreement re your contract and paying extra money to keep the laptop .
    How much will you owe if you do not continue the contract ??
    If you do not pay will the debt be passed to debt collectors and your credit record trashed for six years ??
    • custardy
    • By custardy 15th Jul 17, 1:21 PM
    • 32,318 Posts
    • 27,076 Thanks
    custardy
    • #4
    • 15th Jul 17, 1:21 PM
    • #4
    • 15th Jul 17, 1:21 PM
    What ombudsman ??

    The agreement re your contract and paying extra money to keep the laptop .
    How much will you owe if you do not continue the contract ??
    If you do not pay will the debt be passed to debt collectors and your credit record trashed for six years ??
    Originally posted by JJ Egan
    +4 payments @ 24 payments to keep

    Keep the model you've leased – just make 4 further monthly payments and it's yours to keep, OR
    Return the model you've leased – do so and you've nothing more to pay
    £1000 purchase = £1162.72,plus a further £178.88 to keep.
    £1341 total
    • JJ Egan
    • By JJ Egan 15th Jul 17, 3:11 PM
    • 9,484 Posts
    • 3,872 Thanks
    JJ Egan
    • #5
    • 15th Jul 17, 3:11 PM
    • #5
    • 15th Jul 17, 3:11 PM
    So OP has to either pay £178.88 or return the laptop .
    • unholyangel
    • By unholyangel 15th Jul 17, 4:16 PM
    • 11,144 Posts
    • 8,397 Thanks
    unholyangel
    • #6
    • 15th Jul 17, 4:16 PM
    • #6
    • 15th Jul 17, 4:16 PM
    What ombudsman ??

    The agreement re your contract and paying extra money to keep the laptop .
    How much will you owe if you do not continue the contract ??
    If you do not pay will the debt be passed to debt collectors and your credit record trashed for six years ??
    Originally posted by JJ Egan
    It will be the financial ombudsman she's referring to I think given it sounds like a HP agreement.


    OP, you seem to be confused somewhat. The agreement you have IS a credit agreement. Its incredibly rare for the retailer to be the creditor. Even for catalogue companies, you'll find the retailer is something like Shopping Direct Ltd while the finance provider is Shopping Direct Finance Ltd. You actually have less rights if the retailer provides the credit (section 75 doesn't apply if the retailer & creditor are the same).


    As for not reading due to there being a queue, personally I would have told them to continue serving other people while I look over the agreement. But in any event, credit agreements are particularly lengthy & complex and as such, attract a 14 day cooling off period. The reason for this cooling off period is to give you time to look over the agreement and cancel if its not what you were expecting/wanted. And by law, that agreement would have had to have the lenders details, total amount borrowed, total interest, total repayable etc. The very reason for them having to provide that information by law is so consumers can make a clear informed choice and can't be misled.

    Sorry OP but I don't really see any grounds for complaint in this instance.
    Last edited by unholyangel; 15-07-2017 at 4:39 PM. Reason: typo
    Money doesn't solve poverty.....it creates it.
    • custardy
    • By custardy 15th Jul 17, 4:23 PM
    • 32,318 Posts
    • 27,076 Thanks
    custardy
    • #7
    • 15th Jul 17, 4:23 PM
    • #7
    • 15th Jul 17, 4:23 PM
    So OP has to either pay £178.88 or return the laptop .
    Originally posted by JJ Egan
    I dont know their finance agreement
    • Mila 15
    • By Mila 15 15th Jul 17, 11:10 PM
    • 8 Posts
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    Mila 15
    • #8
    • 15th Jul 17, 11:10 PM
    • #8
    • 15th Jul 17, 11:10 PM
    Thank you for your replies. I have done some research on the information that should be written into the contract such as a description of the goods, total cash price of goods, total price of goods with interest, the APR should be stated also. Plus a note about Cooling Off period although not necessarily using the words ', cooling off'. These should all be on the contract so consumer has a clear idea of what they are signing up for.

    None of that information is on the pre-contract or actual contract. I have monthly payments and number of them and that is it.

    I have emailed the CAB for further clarification.
    • Mila 15
    • By Mila 15 15th Jul 17, 11:14 PM
    • 8 Posts
    • 0 Thanks
    Mila 15
    • #9
    • 15th Jul 17, 11:14 PM
    • #9
    • 15th Jul 17, 11:14 PM
    I dont know their finance agreement
    Originally posted by custardy
    I definitely didn't buy a £1000 laptop. Not half that price
    • DCFC79
    • By DCFC79 15th Jul 17, 11:33 PM
    • 29,737 Posts
    • 18,827 Thanks
    DCFC79
    You say its slow but what have you installed on it ?

    So you bought a virus protect thing, iz that anti virus then ? Which anti virus is it if it is 1 ? Maybe this is causing it to be slow.

    OP you need to learn that a credit agreement is in front of you you need to read it irrespective if theres a queue forming, as been mentioned you ask to read it while the other customers are served, at that point was the time to just walk out.

    Hindsight is wonderful, you could have got a 0% credit card and bought from 1 of the many retailers selling laptops, Dell for one.
    Last edited by DCFC79; 22-07-2017 at 8:04 PM.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • photome
    • By photome 16th Jul 17, 6:33 AM
    • 12,597 Posts
    • 8,077 Thanks
    photome
    I definitely didn't buy a £1000 laptop. Not half that price
    Originally posted by Mila 15
    What did you pay, how much do you need to pay to keep it
    • custardy
    • By custardy 16th Jul 17, 8:33 AM
    • 32,318 Posts
    • 27,076 Thanks
    custardy
    I definitely didn't buy a £1000 laptop. Not half that price
    Originally posted by Mila 15
    So you need to pay it off plus 4 payments.......
    • cono1717
    • By cono1717 17th Jul 17, 9:31 AM
    • 600 Posts
    • 409 Thanks
    cono1717
    I definitely didn't buy a £1000 laptop. Not half that price
    Originally posted by Mila 15
    Correct but the Infinity agreement as it used to be called also includes the careplan, anti-virus and the cloud software all of which factors into the cost of the lease agreement.

    Your payments aren't just for the laptop they are for everything. Unfortunately as stated on here you will need to either return the laptop or pay the final 4 payments, there is a not a great deal you can do two years on.
    • cono1717
    • By cono1717 17th Jul 17, 9:33 AM
    • 600 Posts
    • 409 Thanks
    cono1717
    What ombudsman ??

    The agreement re your contract and paying extra money to keep the laptop .
    How much will you owe if you do not continue the contract ??
    If you do not pay will the debt be passed to debt collectors and your credit record trashed for six years ??
    Originally posted by JJ Egan
    Could be the consumer ombudsman? Currys are a member of that.
    https://www.consumer-ombudsman.org/
    • Mila 15
    • By Mila 15 17th Jul 17, 6:09 PM
    • 8 Posts
    • 0 Thanks
    Mila 15
    It's the Financial Ombudsman currys were referring to. Frankly I'd rather just pay it off ASAP and use the laptop till it conks out one day or sell it on. I'm more likely to use the phone to browse than the lenovo. It's so much quicker. Our home wifi is rubbish and the laptop always drops the signal. Cheers
    • dacouch
    • By dacouch 17th Jul 17, 7:42 PM
    • 20,186 Posts
    • 12,452 Thanks
    dacouch
    http://www.bbc.co.uk/programmes/articles/5JJmJ5lTGlBDjnf72dpmgm8/leasing-a-laptop-through-knowhow-infinity
    • Mila 15
    • By Mila 15 22nd Jul 17, 7:38 PM
    • 8 Posts
    • 0 Thanks
    Mila 15
    I did see the Infinity article on the internet at some point. I don't believe the term Infinity was around when i took out the agreement last feb. I did also read that Infinity was for business people and have seen various article where private consumers have been sold this. Rentsmart/Currys have fiddled the paperwork to get a 'sale' and of course, poor consumer hasn't read the agreement and have been locked into 4 yrs worth of payments and then the goods have to be handed back or something like that.
    • custardy
    • By custardy 23rd Jul 17, 9:05 AM
    • 32,318 Posts
    • 27,076 Thanks
    custardy
    I did see the Infinity article on the internet at some point. I don't believe the term Infinity was around when i took out the agreement last feb. I did also read that Infinity was for business people and have seen various article where private consumers have been sold this. Rentsmart/Currys have fiddled the paperwork to get a 'sale' and of course, poor consumer hasn't read the agreement and have been locked into 4 yrs worth of payments and then the goods have to be handed back or something like that.
    Originally posted by Mila 15
    Your words
    I made it clear on that day I wanted a credit agreement.
    so the X Year term + 4 payments = total amount payable. How does this differ (for you) from a credit agreement?
    So you pay X amount for the goods over X term.


    It's the Financial Ombudsman currys were referring to. Frankly I'd rather just pay it off ASAP and use the laptop till it conks out one day or sell it on. I'm more likely to use the phone to browse than the lenovo. It's so much quicker. Our home wifi is rubbish and the laptop always drops the signal. Cheers
    Sounds more like buyers remorse.
    • cono1717
    • By cono1717 24th Jul 17, 8:54 AM
    • 600 Posts
    • 409 Thanks
    cono1717
    Infinity has since been renamed I believe so they wont be throwing it around.

    @Custardy it's quite possible that the OP went in with the assumption of a credit deal and the staff member sold them the upgrade agreement under the ruse of a credit agreement, obviously OP should have read the agreement but I think its less buyers remorse more buyers haste.
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