Please help-do I have any rights?

Tribe_mummy

This is my first post so apologies if I have posted in the wrong place.

Please could someone help?

I bought a table on credit just before christmas and am not satisfied with the quality of it.

When we got it is was in perfect condition with 6 gorgous chairs, one of which broke and they could not replace the broken chair as it had been discontinued. They sent 6 different chairs, which turned out to be the ones we SHOULD have recieved in the first place! Any way chairs have been fine since.

Well, last week we turned the table onto its side as we were moving the kitchen around and broke the leg, we assumed it was our fault and repaired it. Now we are beginning to thing it is just very poor quality! The rep said he would try and get us another leg, been very helpful with all the problems we have had so far.

Cleaning the table this morning I have noticed all the edges chipping away. It's less than a year old, should it this be happening already, would they class this as normal wear and tear. I am quite upset as not even finished paying for it yet, and as a single mum will not be able to afford to replace it.

Any help would be apreciated please

Thanks

Freddie_Snowbits

First off, it is after 6 months, so the onus is on the purchaser to prove the item is 'faulty'

(One could try the Household insurance if accidental damage is included)

4743hudsonj

Tribe_mummy wrote: »

This is my first post so apologies if I have posted in the wrong place.

Please could someone help?

I bought a table on credit just before christmas and am not satisfied with the quality of it.

When we got it is was in perfect condition with 6 gorgous chairs, one of which broke and they could not replace the broken chair as it had been discontinued. They sent 6 different chairs, which turned out to be the ones we SHOULD have recieved in the first place! Any way chairs have been fine since.

Well, last week we turned the table onto its side as we were moving the kitchen around and broke the leg, we assumed it was our fault and repaired it. Now we are beginning to thing it is just very poor quality! The rep said he would try and get us another leg, been very helpful with all the problems we have had so far.

Cleaning the table this morning I have noticed all the edges chipping away. It's less than a year old, should it this be happening already, would they class this as normal wear and tear. I am quite upset as not even finished paying for it yet, and as a single mum will not be able to afford to replace it.

Any help would be apreciated please

Thanks

Whats the price of it? Im assuming it wasnt a bargain basement one as it was purchased on credit.

Anyways you could chase the retailer under the sale of goods act but to be fair they seem to already be fulfilling their obligations (by repairing t and sending replacements).

So, i would opt to pursue the credit providers under the consumer credit act 1974. This act makes a credit provider (CC providers, finance providers etc) "jointly and severably liable" for any fault with a purchase over the value of £100 (Note: this applies if only £5 was paid via credit and the rest cash, your still protected!).

This means you can claim from them and id push for a refund of the table.

Googlewhacker

4743hudsonj wrote: »

So, i would opt to peruse the credit providers under the consumer credit act 1974. This act makes and credit provider (CC providers, finance providers etc) "jointly and severably liable" for any fault with a purchase over the value of £100 (Note: this applies if only £5 was paid via credit and the rest cast, your still protected!).

This means you can claim from them and id push for a refund of the table.

That is a very interesting piece of information if true, so would the credit card company not only be liable for the £5?

Optimist

For a change I actually agree with Freddy.

The supplier seems very reasonable so far but with a table chipping I fear no matter who you try to claim from they will insist on proof that it was a manufacturing fault

4743hudsonj

Googlewhacker wrote: »

That is a very interesting piece of information if true, so would the credit card company not only be liable for the £5?

No they become responsible for the whole amount. It doesnt even stop a £5 either, £1, £0.01 would be enough (however the practicality of this makes it unlikely) .

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

From the main site itself....

Optimist

Googlewhacker wrote: »

That is a very interesting piece of information if true, so would the credit card company not only be liable for the £5?

Providing the purchase is more than £100 you can put a deposit by credit card and the rest in whatever form you wish and the card provider is jointly liable for the complete sum

Individual items are supposed to be over £100 so if you buy lots of say stamps at £5 and the total comes to over £100 this wouldn't be covered.

It gets very iffy when dealing with groups of items that total up to over £100 although in the OPs case I would say they would be covered

4743hudsonj

Optimist wrote: »

Providing the purchase is more than £100 you can put a deposit by credit card and the rest in whatever form you wish and the card provider is jointly liable for the complete sum

Individual items are supposed to be over £100 so if you buy lots of say stamps at £5 and the total comes to over £100 this wouldn't be covered.

It gets very iffy when dealing with groups of items that total up to over £100 although in the OPs case I would say they would be covered

I agree, i once asked if id be covered for an ikea bed, as they are all separate items (2 priced at £99 wouldnt you know it) but they are all for one "item". Never got a definitive response lol....

Googlewhacker

4743hudsonj wrote: »

No they become responsible for the whole amount. It doesnt even stop a £5 either, £1, £0.01 would be enough (however the practicality of this makes it unlikely) .

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

From the main site itself....

That is an incredible piece of information, thanks!

Optimist

4743hudsonj wrote: »

I agree, i once asked if id be covered for an ikea bed, as they are all separate items (2 priced at £99 wouldnt you know it) but they are all for one "item". Never got a definitive response lol....

My view on that is that it would be covered as all the individual items made a complete unit.

Tribe_mummy

It was £599.00 We made the repair on the leg, they said they would try and get us a new leg but think it was said to keep us quiet.

Thanks for your advice I will try and draft a letter tonight

4743hudsonj wrote: »

Whats the price of it? Im assuming it wasnt a bargain basement one as it was purchased on credit.

Anyways you could chase the retailer under the sale of goods act but to be fair they seem to already be fulfilling their obligations (by repairing t and sending replacements).

So, i would opt to pursue the credit providers under the consumer credit act 1974. This act makes a credit provider (CC providers, finance providers etc) "jointly and severably liable" for any fault with a purchase over the value of £100 (Note: this applies if only £5 was paid via credit and the rest cash, your still protected!).

This means you can claim from them and id push for a refund of the table.