PLEASE HELP !!! buy as you veiw problem !!

haylez83

Hi all i wonder if anyone could help me , this may be a bit of a rant but please bear with me !
In january last year we purchased a tv from the company buy as you veiw, now in march my washing mascine broke and i asked them if i could have one on credit along with my tv, they declined the credit but still kept hold of the £40 deposit we had payed in oreder to get the washing machine and told us it would be payed off our tv bill .
We have just recieved the statement for this year and there is no sighn of the missing £40 i dont trust the guy who collects the money from us every month as it is so right now im thinking of just not paying the tv bill untill something is done!
does any one have any ideas on what i can do or weather i would be entitled to have the whole debt wiped if they are in the wrong ,

thank you

hayley

pulliptears

I cant say as I have heard of this company. Don't stop paying, I imagine the fees for defaulting are huge and it's the worst thing you can do.
When you handed over this £40 deposit did you get any written confirmation etc?

haylez83

no we didnt thats whats what im concerned about if we cant prove we ever gave him the money !but we are also paying damage liability cover and service cover i think i may take my credit agreement to the citizens advice and se what they think ,
thank you

underlay_guru

Hi,

IMO you should email buy-as-you-view, outlining how you made the £40 payment and who you made it to (I am guessing you paid it directly to the guy who collects in the £1 coins from your tv box). It could be a genuine mistake, and you are entitled to £40 from your bill, but you would certainly not be entitled to having the full debt written off....

You shouldn't stop paying for the goods either, as they will be over in a white van to collect them quicker than you can say Jack Flash.

give them a buzz or email them (send a polite and completely punctually correct email to them): It could be a completely genuine error on their side. If it is proven then coin man has sticky fingers he will get fired.

pulliptears

underlay_guru wrote: »

Hi,

IMO you should email buy-as-you-view, outlining how you made the £40 payment and who you made it to (I am guessing you paid it directly to the guy who collects in the £1 coins from your tv box). It could be a genuine mistake, and you are entitled to £40 from your bill, but you would certainly not be entitled to having the full debt written off....

You shouldn't stop paying for the goods either, as they will be over in a white van to collect them quicker than you can say Jack Flash.

give them a buzz or email them (send a polite and completely punctually correct email to them): It could be a completely genuine error on their side.

Good advice, but rather than email send a recorded letter and keep copies of all correspondence.

Optimist

haylez83 wrote: »

no we didnt thats whats what im concerned about if we cant prove we ever gave him the money !but we are also paying damage liability cover and service cover i think i may take my credit agreement to the citizens advice and se what they think ,
thank you

Do that, CAB will be well aware of this company and will be best placed to give you the advice you need.

Anihilator

http://www.bayv.co.uk/index.html

Sound like a delightful company.

I fully expect your account manager to deny having the £40

xocbc

I love the typical 49.9% APR

Even better is the overall cost, a £1500 TV costs £2500..ouch

Anihilator

Tbh I struggle to have much sympathy for people who clearly cant afford it who go to these companies and buy big massive LCD tv's. Whats wrong with their old one or a cheap £10 CRT off ebay or from a local 2nd hand shop.

pulliptears

Anihilator wrote: »

Tbh I struggle to have much sympathy for people who clearly cant afford it who go to these companies and buy big massive LCD tv's. Whats wrong with their old one or a cheap £10 CRT off ebay or from a local 2nd hand shop.

I struggle to understand it myself, but I guess we are now in the 'credit age'. I was born in the 70's but recall my parents drumming into me "If you cant afford it now you don't buy it". My parents never bought from catalogues etc and I guess the mindset stuck with me. I've never used catalogues, credit cards etc

Anihilator

pulliptears wrote: »

I struggle to understand it myself, but I guess we are now in the 'credit age'. I was born in the 70's but recall my parents drumming into me "If you cant afford it now you don't buy it". My parents never bought from catalogues etc and I guess the mindset stuck with me. I've never used catalogues, credit cards etc

Don't get me wrong I have credit myself - namely on a car and laptop.

The car is at 11.9 APR% which isnt great but was ok for my own position. I also have a laptop on a buy now pay later. There is nothing wrong with using credit if you can afford it.

Its the people who seem to have no problems paying 49.9% for £1500 TV's they can't afford.

I really have no sympathy for them. If you are in a position that only people like that will give you credit then its a case of you havent learnt from previous mistakes.