Should I own up?!

Lucie_2

I would send them a letter (recorded delivery & keep copies) saying that you have the money for the PC & are more than willing to pay for it according to the terms & conditions you agreed to in good faith at the time of purchase.
That way you are not refusing to pay, but if they still can't get their act together after that....well it's not your fault, you've done all you can. It WILL catch up with you eventually (unless they go bust too) so keep the money aside to pay for it.

trickster

I brought a PC on 9 month interest free once. They never took any money from me either, and I was under the understanding that it was up to me to pay it in full before the 9 months expired. This is quite clever, because if you slip by one day, then the interest will start. I think this is what they hope will happen. Anyway. I scrabbled the £1000 together the day before the interest free period was up and drove to the finance office and handed them a cheque for final settlement.

filigree_2

I agree with some of what Trickster says. I bought a washing machine on "by now, pay next year" and when the payment date approached, I found it extremely difficult to pay in full. The shop (Comet) wouldn't help at all, and the finance company were extremely unhelpful. Sent me a paying in slip with no amount specified, no return envelope, no receipt... I'm very cynical and suspect this "mistake" is a scam to force buyers into paying interest.

I would say write to the finance company, recorded delivery and keep copies. Demand reassurance in writing that they will take payments within the set period and NOT charge you interest. In the meantime, set the money aside in a high interest account.

I know it's tempting to just trouser £800 but it might come back to haunt you later if it damages your credit score.

noidea_4

Hi

thank you to everyone who has replied to my post. I will contact PC World to try to sort this out and will keep records of everything.

Cheers.

Robert_Sterling_3

Did you own up?

rushnowt

I know what I'd do.  :-X

But I'm a Bad Girl  ;D

Jay-Jay_4

I was overpaid £1000 in 2001 by a company. I phoned them and they said they'd claim it back but they never did.....I still have it in an account....shall I spend it??? ;D

If I'd spent it I'd be worried but as it's still sat there .....

Fionnuala_2

Hello Poochy

The company who "gave" you £1,000 will have this loss covered up in their 2000/01 or 01/02 accounts somewhere, and would be very surprised it it came back to haunt you now, given that audits etc will have been carried out, and done and dusted. They aren't going to want to change previous years accounts now. However, if you are still not sure, then you could approach them again, and get a reply in writing confirming that they have no trace of this overpayment to you, and that they therefore don't consider that you owe them anything. If you get to keep it, then it might appease your uneasiness to make a donation to a charity. Then go and enjoy the rest!!
To the original post (sorry, have forgotten your name...) it sounds like there is a patchy paper trail in existance, so you may well get caught out if you keep quiet. Think honesty is the best policy in this case.

System

Is it me or does anybody else feel that the ones on this thread who worry are female with probably one exception. The facts are you have tried to contact the various individuals concerned without them starting to take the money. As long as you have the money incase they realise at a later date then keep the money. Keep any correspondence so that they cannot charge you interest at a later date on the basis that you should have informed them. Just enjoy one of those rare occasions when an error has benefited you instead of cost you. If you have trouble sleeping just move the £800 to another part of the mattress ;D