DFS Sofa unable to cancel order!

visidigi

bigbulldog wrote: »

We have just purchased a DFS sofa using there interest free finance and had the same recorded message played and it advises you about the finance and the 14 day cooling of period for the finance only,it also states that you would have to find alternative means for payment either a debit/credit card or cash if you do cancel the finance, but it states that the furniture cannot be cancelled.

Also you do need to read the t&c of the order you signed as I do believe it also states it there as well.

Sorry to be the bearer of bad news.

That is INCREDIBLY shady practice of DFS - preying on people who cannot afford the item and forcing them into high interest debt when declined for credit.

DFS should be ashamed of themselves for that - now in the same category of trash as wonga.com as far as I am concerned.

bigbulldog

visidigi wrote: »

That is INCREDIBLY shady practice of DFS - preying on people who cannot afford the item and forcing them into high interest debt when declined for credit.

DFS should be ashamed of themselves for that - now in the same category of trash as wonga.com as far as I am concerned.

High interest debt,sorry,but it's free from interest if it was accepted??????

No one is forcing them if finance was the route they wanted to use to fund there furniture.



Forcing them...OPs choice

TBH this just sounds like a really pushy sales person rather than DFS as a whole.

visidigi

bigbulldog wrote: »

High interest debt,sorry,but it's free from interest if it was accepted??????

No one is forcing them if finance was the route they wanted to use to fund there furniture.



Forcing them...OPs choice

TBH this just sounds like a really pushy sales person rather than DFS as a whole.

They are saying the OP has to find alternative sources of payment - e.g. credit card (debit card isnt going to happen given they wanted credit in the first place) - unless you have a very good credit history (gains you a 6.8% credit card from Barclaycard) you will be looking at 14-19% APR on a credit card for the purchase, therefore, in comparison to the original credit offer then it is a high interest debt.

And they ARE being forced, read what the OP wrote, they have been told they cannot cancel the order even after credit was declined - they are being forced as they signed a contract stating they understood the terms.

halibut2209

Their "terms" are irrelevant as they breach your consumer rights. There is no contract until you have paid, end of. As you haven't, then you can withdraw without loss.

Honeydog

Maybe some of us who are near enough should organise a flash mob and converge on DFS with the OP and help her fight her case?

I know some stories about DFS but this isn't the place or time to share them.

System

halibut2209 wrote: »

There is no contract until you have paid,.

Oh dear do you really believe that?

bris

halibut2209 wrote: »

Their "terms" are irrelevant as they breach your consumer rights. There is no contract until you have paid, end of. As you haven't, then you can withdraw without loss.

Sorry, but when you order something in store you are entering into a legally binding contract, the retailer can indeed sue for losses, these losses are the profit that would have been made on the sale.
DFS are being very cruel here and making the order and finance seperate contracts. It is indeed sharp practice and should be on watchdog to warn the public.

arcon5

halibut2209 wrote: »

Their "terms" are irrelevant as they breach your consumer rights. There is no contract until you have paid, end of. As you haven't, then you can withdraw without loss.

Incorrect. A few contracts come to mind that don't require immediate payment. Our virgin for example, didn't take payment for about 2 weeks after signing the contract. Even more so in the business sector, where credit terms are offered.

A contract is formed when two parties come to an agreement.

bris wrote: »

Sorry, but when you order something in store you are entering into a legally binding contract, the retailer can indeed sue for losses, these losses are the profit that would have been made on the sale.
DFS are being very cruel here and making the order and finance seperate contracts. It is indeed sharp practice and should be on watchdog to warn the public.

Their losses are any expense incurred or that will be incurred as a result of breach of contract and not the would-be profits. For example, a loss would be an admin fee or a credit reference fee, perhaps a delivery charge had they attempted to deliver before the consumer recinded the contract.

kellbing

Thanks for all your replies I tried to contact DfS yesterday however the person i spoke to said i would have to speak to the saleswoman i originally dealt with and she will get in touch. Also conveniently the manager doesn't work weekends. I am going to try and reachthe saleswoman today.

kellbing

bigbulldog wrote: »

We have just purchased a DFS sofa using there interest free finance and had the same recorded message played and it advises you about the finance and the 14 day cooling of period for the finance only,it also states that you would have to find alternative means for payment either a debit/credit card or cash if you do cancel the finance, but it states that the furniture cannot be cancelled.

Also you do need to read the t&c of the order you signed as I do believe it also states it there as well.

Sorry to be the bearer of bad news.

Are you able to me where it states this on the t&cs as I am unable to find anything?