Help me ( land of leather )

Helly

Well !! We have a sofa from they bought December o7 . My friend took it out for us because we couldn't get the credit we had all in tension of paying it back with in the year with 0% . Well due to problems we couldn't pay it off so decided to take on the credit . We have already had £150 knock off to sofas bill due to problems with land of leather before and on the credit agreement it says we should be paying back £40 pm for 36 months . But its not its coming out as £60 ????? Also we took out the extra cover with land of leather having two young children we thought it would be wise . We was told we would be covered for everything from marks and rips to any sort of bodly flulid on it which was great when my two year old wee on it yesterday but have been told we not covered for anything apart from structural damage . Where so angery Why we paying so much and is they anything i can do for missold insurance . When i look on here i noticed something about ppi could that be something to do with the highier payments and who do i contact the creditor people or land of leather . I am so useless at things like this please help me

mikegilbert

Sounds like you are being charged interest for using the credit/Hp agreement instead of paying it all off as originally agreed. It also looks like you are paying for the additional insurance. With the insurance my view is that they are a waste of time and all if not more of the content of these are covered in your household contents policy. Before you cancel find out exactly who and what and how much you are paying and your home insurance covers these needs. The shop had an obligation to explain all these costs etc to you so go back and get clarity. Dont let them fob you off with "oh you need to contact head office or Im just a salesman" get the facts from them,, go to citizens advice or here and I am sure someone will help.
:beer:

Helly

Thanks for your reply , Where going to ring up the credit people up soon and find out why on the contract does it say £40 per month and there taking out £60 and see if land of leather did take the £150 off the final bill for not complete there year grantee . Then try sort out the insurance

maxdp

Helly wrote: »

Thanks for your reply , Where going to ring up the credit people up soon and find out why on the contract does it say £40 per month and there taking out £60 and see if land of leather did take the £150 off the final bill for not complete there year grantee . Then try sort out the insurance

Good luck on this one let us know how you get on.;)