1-2-1 Finance - where do i stand

Peppster

Hi

I recently agreed a load with 121 finance for some cosmetic surgery to remove my PIP implants. When i applied i used the figures which MYA gave me at the time (£4,400) and a £500 cash deposit and i was happy with the repayments. They required final documents which i sent through electronically and these were coipies of my bank card and driving license.

However upon my final consultation my surgery date was moved forward and my surgery was carried out within 3 days.

After receiving my surgery i have been told that my final surgery cost was in fact more than was previously agreed. (£5,600) No one had given me written confirmation of these changes and my consent for the increase in price wasn't authorised. Neither MYA or 121 informed me of the NEW total and i was left to assume the original price was still the same. Afterall no one had told me otherwise.

I was informed by MYA that i would receive a call from 121 finance to go through the payment options and agree that i was happy. This call was to go ahead before my surgery however i never received sush call. Nor could i cancel the surgery without incurring additional costs. :doh:

I have since been bombarded with calls and requests to sign and send back hard copies of the contract.

Where do i stand at challenging the company for changing the final sum. I know they have transferred the funds to MYA and are now chasing me to sign the credit agreement. :undecided

poppasmurf_bewdley

It may be a silly question, but aren't the NHS removing PIP implants for free?

bargainbetty

poppasmurf_bewdley wrote: »

It may be a silly question, but aren't the NHS removing PIP implants for free?

Not all of them, no.

Contact the hospital where you had the work done and ask for an explanation of why you were charged more than the agreed price. Ask why the consent was not obtained prior to the surgery. If the increase is due to something that occured during surgery, ask to be reminded of the potential additional costs you were warned about....

It doesn't matter if the credit company have paid over the sum at present. Send them a written statement that you will not sign the agreement in its current form until the discrepancy over the pricing is setttled, and you are reasssured that you have not been overcharged for unnecessary things. As soon as that is done, you will sign it then. Or they can send you an agreement for the original sum which you will sign immediately, and leave the balance to be discussed with the hospital.

good luck