We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Bad experience with PCworld anybody? They've ruined my credit score, can anybody help
Pipeandslippers20
Posts: 58 Forumite
They are unwilling and there must be something I can do..
Please see my below letter to PCworld for information on what they did when I bought a laptop.
I wrote to the store manager a year ago and was ignored. I've emailed customer services, called customer services and written to their head office. I've had a very 'wishy washy' letter of apology back, however, the fact still remains that I have a 3 month default on my account and they took £27 fraudulantly from me.
They still haven't answered, although I sent this as "signed for". What can I expect to get out of this?
"To the Manager,
I write to you regarding the purchase of a laptop computer from your store on 26th December 2007.
This is my second letter to your store since my original letter was ignored. The purpose of this letter is to give you advanced notice that I will be coming into your store in person later this month to discuss the outstanding issues with you. Because of the length of time elapsed since the purchase, I include copies of all previous paperwork. It may be beneficial to read the previous correspondence before continuing to read this letter.
For information, my original reference number from speaking to customer services is cc0001177572.
The address I wrote to was Dixons House, Maylands Avenue, Hemel Hempstead Herts HP2 7TG.
The issues still remaining are:
1) Your sales person lied to me regarding the cost of "PC performance" by telling me it was approx 25pence per month if I took the laptop on credit. He gave a "managers discretion" for the first month, before setting up a direct debit for £8.99 per month. I was told it would be about 25p per month and that "I would be stupid not to take up this option given how cheap it was".
2) Your sales person not only set up a direct debit for £8.99 per month that I never agreed to, he also did not send the paperwork to HFC bank. I checked with my bank and found out that I had a direct debit set up to PC World, which I assumed was for the laptop (because that is all I agreed to). I received a letter from HFC bank in March 2008 stating that my account was in arrears by 3 months. This has resulted in a default on my credit report. This is due to the incompetence of your staff at the time.
Due to the incompetence and lies of a member of your staff I have suffered a great deal of stress, whilst also having my credit rating single handedly ruined and I have been unable to remortgage because of this. Since nobody at your store has sorted out the issues, I will have no other alternative to come and speak to you about this in person.
I find it amazing that your staff let me walk out of the store with £600 worth of goods without a completed financial arrangement being set up in order to pay for it.
In the absence of a proposal on how you intend to rectify this situation before Monday 9th November, I will look forward to meeting with you, in store to discuss the matter in person.
Should you still not offer me a satisfactory solution I will simply forward this case to the financial ombudsman whom I'm sure would be very interested in your alternative ways of 'selling' your insurance product.
Please treat this as a matter of urgency, because of your staff I am currently unable to re-mortgage because of the default on my credit file.
Therefore, what I expect, as an absolute minimum, is outlined below:
1. PCWorld contact HFC bank to explain how the 3 month default on my account was not my fault, as explained above. This default needs removing – it is there through your fault, not mine.
2. Since I was effectively conned out of 3 instalments of £8.99 you should also refund me this money.
3. A gesture of some sort from your company as an apology."
Yours Sincerely,
Please see my below letter to PCworld for information on what they did when I bought a laptop.
I wrote to the store manager a year ago and was ignored. I've emailed customer services, called customer services and written to their head office. I've had a very 'wishy washy' letter of apology back, however, the fact still remains that I have a 3 month default on my account and they took £27 fraudulantly from me.
They still haven't answered, although I sent this as "signed for". What can I expect to get out of this?
"To the Manager,
I write to you regarding the purchase of a laptop computer from your store on 26th December 2007.
This is my second letter to your store since my original letter was ignored. The purpose of this letter is to give you advanced notice that I will be coming into your store in person later this month to discuss the outstanding issues with you. Because of the length of time elapsed since the purchase, I include copies of all previous paperwork. It may be beneficial to read the previous correspondence before continuing to read this letter.
For information, my original reference number from speaking to customer services is cc0001177572.
The address I wrote to was Dixons House, Maylands Avenue, Hemel Hempstead Herts HP2 7TG.
The issues still remaining are:
1) Your sales person lied to me regarding the cost of "PC performance" by telling me it was approx 25pence per month if I took the laptop on credit. He gave a "managers discretion" for the first month, before setting up a direct debit for £8.99 per month. I was told it would be about 25p per month and that "I would be stupid not to take up this option given how cheap it was".
2) Your sales person not only set up a direct debit for £8.99 per month that I never agreed to, he also did not send the paperwork to HFC bank. I checked with my bank and found out that I had a direct debit set up to PC World, which I assumed was for the laptop (because that is all I agreed to). I received a letter from HFC bank in March 2008 stating that my account was in arrears by 3 months. This has resulted in a default on my credit report. This is due to the incompetence of your staff at the time.
Due to the incompetence and lies of a member of your staff I have suffered a great deal of stress, whilst also having my credit rating single handedly ruined and I have been unable to remortgage because of this. Since nobody at your store has sorted out the issues, I will have no other alternative to come and speak to you about this in person.
I find it amazing that your staff let me walk out of the store with £600 worth of goods without a completed financial arrangement being set up in order to pay for it.
In the absence of a proposal on how you intend to rectify this situation before Monday 9th November, I will look forward to meeting with you, in store to discuss the matter in person.
Should you still not offer me a satisfactory solution I will simply forward this case to the financial ombudsman whom I'm sure would be very interested in your alternative ways of 'selling' your insurance product.
Please treat this as a matter of urgency, because of your staff I am currently unable to re-mortgage because of the default on my credit file.
Therefore, what I expect, as an absolute minimum, is outlined below:
1. PCWorld contact HFC bank to explain how the 3 month default on my account was not my fault, as explained above. This default needs removing – it is there through your fault, not mine.
2. Since I was effectively conned out of 3 instalments of £8.99 you should also refund me this money.
3. A gesture of some sort from your company as an apology."
Yours Sincerely,
0
Comments
-
Why start two threads?If it looks like a duck, and quacks like a duck, we have at least to consider the possibility that we have a small aquatic bird of the family anatidae on our hands
0 -
-
advent1122 wrote: »Haven't you heard the saying "2 threads are better than 1"?
I'll get my coat.
Oh dear...slow day??
If it looks like a duck, and quacks like a duck, we have at least to consider the possibility that we have a small aquatic bird of the family anatidae on our hands
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.4K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards