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

euronorris

Gillianh2 wrote: »

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.

Very valid point. But I believe the OP has already stated that they will send in the agreement as requested so all should be sorted soon enough.

~Brock~

corbyboy wrote: »

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

I'm surprised you can make it out of bed in the morning whilst weighed down with that enormous chip on your shoulder mate

mabski wrote: »

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 .

What is the point of holding out for an admission that there is no credit agreement? Both parties fully know what has happened to the credit agreement!

Notice it is not the finance comapny asking for the agreement to be returned but the store? In reality, the agreement has not yet been executed because it has not yet been signed by the lender - it is therefore not yet in force and therefore the OP has NO RIGHT to keep the goods because no consideration has passed for them.

Because the credit agreement is not in force all the usual dodges and scams promoted on sites like this do not apply.

It is quite clear that the Currys will not allow this to continue for that long and if you started playing silly s0ds they could simply apply to the court for an order for the return of the goods under the Torts (Interference with Goods Act) 1977 which bypasses the CCA completely.

Why anyone would want to allow something to get to this stage is completely beyond me.

mabski wrote: »

That way they not losing out too much and you get half price goods but thats just me

Not losing out too much? Currys will not have been paid for the goods by the finance company at all and will not be until the agreement is sent to them.

Offering a reduced figure to the finance company will not change this until the agreement is returned. Holding onto the goods in this situation is, as I stated in my previous post, THEFT. But that, as you say, may be just you?

EDIT: These comments are evidently not necessarily applicable to the OP, but more to those that seem to happily advocate the theft of goods without any consideration for the possible consequences of their !!!! advice.

Wutang_2

~Brock~ wrote: »

Offering a reduced figure to the finance company will not change this until the agreement is returned. Holding onto the goods in this situation is, as I stated in my previous post, THEFT. But that, as you say, may be just you?

EDIT: These comments are evidently not necessarily applicable to the OP, but more to those that seem to happily advocate the theft of goods without any consideration for the possible consequences of their !!!! advice.

Look at his other posts

Fiddlestick

mabski wrote: »

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

So you think it's acceptable to take on the credit in good faith and then not pay it back on a technicality?

never-in-doubt

Fiddlestick wrote: »

So you think it's acceptable to take on the credit in good faith and then not pay it back on a technicality?

Its no technicality my friend! Its the law, which was written for a reason - you not think?

Wutang_2

never-in-doubt wrote: »

Its no technicality my friend! Its the law, which was written for a reason - you not think?

Here he is!! lol m8 :A

never-in-doubt

Wutang wrote: »

Here he is!! lol m8 :A

You do get away with murder MATE :rotfl::rotfl:

* just for you!

PNPSUKNET

well if the company was never paid, they have every right to take it via the small claims court anyway.

mabski

~Brock~ wrote: »

I'm surprised you can make it out of bed in the morning whilst weighed down with that enormous chip on your shoulder mate




What is the point of holding out for an admission that there is no credit agreement? Both parties fully know what has happened to the credit agreement!

Notice it is not the finance comapny asking for the agreement to be returned but the store? In reality, the agreement has not yet been executed because it has not yet been signed by the lender - it is therefore not yet in force and therefore the OP has NO RIGHT to keep the goods because no consideration has passed for them.

Because the credit agreement is not in force all the usual dodges and scams promoted on sites like this do not apply.

It is quite clear that the Currys will not allow this to continue for that long and if you started playing silly s0ds they could simply apply to the court for an order for the return of the goods under the Torts (Interference with Goods Act) 1977 which bypasses the CCA completely.

Why anyone would want to allow something to get to this stage is completely beyond me.



Not losing out too much? Currys will not have been paid for the goods by the finance company at all and will not be until the agreement is sent to them.

Offering a reduced figure to the finance company will not change this until the agreement is returned. Holding onto the goods in this situation is, as I stated in my previous post, THEFT. But that, as you say, may be just you?

EDIT: These comments are evidently not necessarily applicable to the OP, but more to those that seem to happily advocate the theft of goods without any consideration for the possible consequences of their !!!! advice.

blah blah blah blah
im assuming the op has all the paperwork and currys have none at all, and if the goods were collected from store how can they prove he's had recieved any goods whatsoever
he could just write a bemused letter asking what they are going on about and currys wouldnt be able to do sod all about it.

euronorris

mabski wrote: »

blah blah blah blah
im assuming the op has all the paperwork and currys have none at all, and if the goods were collected from store how can they prove he's had recieved any goods whatsoever
he could just write a bemused letter asking what they are going on about and currys wouldnt be able to do sod all about it.

Whether that is true or not is irrelevant in my opinion.

I'm more concerned with the sales assistant who will probably face disciplinary action for this, or worse, if the paperwork doesn't come back.

It's not always about the company. Sometimes it's about the staff and in this instance, not sending in the paperwork will have a detrimental effect on the sales assistant.

Yes, he obviously made a mistake and should be pulled up on it, as I'm sure he has been. But I've no doubt it will get worse for him if the paperwork is never returned and the store essentially loses that money.

Anyway, as the OP stated, she/he is sending in the paperwork anyway, so it doesn't really matter anymore.