currys 0% finance 12 months, they gave me all the paper work!

PROLIANT

Just post it to the store where you made the purchase and get them to sign for it via courier/royal mail.

No more problems, as for chasing them for a couple of quid in postage is it really worth the hassle?
Ok, it is their bag but why not just let it role, bigger and more important things are worth your time worrying over e.g. the emergency budget which will affect you.

davilown

I bought a bed from a well known furniture store that is no longer in existence on credit about 11 years ago. For some reason I was never charged for the bed, despite at least 10 visits to the store and numerous recorded phone calls.

I effectively was given a £800 bed for nothing and still feel bad about it now. The only reason I stopped visiting/calling was because the final person I dealt with stated that the debt was over six years old and unenforceable.

I do still have the money and all records of converstations should it ever come back to haunt me!

Enfieldian

davilown wrote: »

I bought a bed from a well known furniture store that is no longer in existence on credit about 11 years ago. For some reason I was never charged for the bed, despite at least 10 visits to the store and numerous recorded phone calls.

I effectively was given a £800 bed for nothing and still feel bad about it now. The only reason I stopped visiting/calling was because the final person I dealt with stated that the debt was over six years old and unenforceable.

I do still have the money and all records of converstations should it ever come back to haunt me!

Well, at least you tried to do the right thing.

Fair enough.

never-in-doubt

davilown wrote: »

I bought a bed from a well known furniture store that is no longer in existence on credit about 11 years ago. For some reason I was never charged for the bed, despite at least 10 visits to the store and numerous recorded phone calls.

I effectively was given a £800 bed for nothing and still feel bad about it now. The only reason I stopped visiting/calling was because the final person I dealt with stated that the debt was over six years old and unenforceable.

I do still have the money and all records of converstations should it ever come back to haunt me!

No, its not unenforceable it is called Statute Barred (huge difference), under the Limitations Act (2000) this debt has now been wiped - it will never become repayable, spend the funds forget it - move on!

Its finished - totally. :T

never-in-doubt

Wutang wrote: »

I am sure 'Martin' now loves this association with not paying debts off...

I'm sure "Martin" loves having idiots like you around as well :cool:

Wutang_2

never-in-doubt wrote: »

I'm sure "Martin" loves having idiots like you around as well :cool:

Here he is lol:rotfl::p - the 4 year old lol

corbyboy

Don't they usually charge you a tenner to get a copy of the credit agreement from them?

Tell them you want the same.

These big companies wouldn't hesitate to take advantage of any mistakes you made so why not do the same to them?

hullight

corbyboy wrote: »

Don't they usually charge you a tenner to get a copy of the credit agreement from them?

Tell them you want the same.

These big companies wouldn't hesitate to take advantage of any mistakes you made so why not do the same to them?

No it's £1.

If I accidentally left my front door unlocked and you nicked my telly I would be pretty narked, to be honest.

OP - give them the finance agreement, it will save you a lot of hassle and prevent your credit file being ruined.

Gillianh2

Also I should imagine the Sales Person is having big problems over this:mad: and you wouldnt want to be responsible for him possibly losing his job because of his mistake would you:eek: I know he/she shouldnt have made this mistake but equally I am sure he has recived a right dressing down for it.

mabski

I'd ignore their letter and wait until they start asking for the money when the 12 months interest free is up then i would send them a cca request. I'd wait for them to admit they dont have one then offer them half as full and final .
That way they not losing out too much and you get half price goods
but thats just me