DELL 0% Finance rip off

dissapointedwithdell

I placed an order on the dell website using the 0% Finance offer, which is 12months and then a final payment on the 13th month this means you only pay back the cash price.

After receiving the finance agreement from Dell today it says in small I must pay £52.88 document charge. It did not mention anywhere on the Dell site about the document charge, it seems to be very misleading.

I was sure they are supposed to put any realted charges for the finace on the web site, I also tried calling Dell and none of there staff seemed to know about the charge either. I


Is this right can they just tack charges on after you have placed the order?

zakony

Finance from Dell Financial Services (CIT Group (UK) Limited). UK consumers aged 18 to 70 years only, subject to status. Deposit required. £49 administration fee payable in the event of settlement of loan by the end of the holiday period. Prices shown may vary without notice. Terms and conditions and written quotations available upon request. Credit scoring used. Offer valid until 30/4/05

It is stated on their website, but how it get from 49 to 52.88, i don't know

dissapointedwithdell

Zakony,

I have checked through the site and still cant se that can you tell me where you found it?

I am ordering through the Small Business site (as I am a small business) and have checked every page but I still cant see it!

Thanks for your help,

zakony

Where you have :

From:
£349
Price inc. VAT & Del.
Due to End 20/04/2005.
Pay Nothing for 12 months 1
Conditions of Finance

now, look at the bottom of the page, and you have in small print

1 Finance from Dell Financial Services (CIT Group (UK) Limited). UK consumers aged 18 to 70 years only, subject to status. Deposit required. £49 administration fee payable in the event of settlement of loan by the end of the holiday period. Prices shown may vary without notice. Terms and conditions and written quotations available upon request. Credit scoring used. Offer valid until 30/4/05

dissapointedwithdell

Zakony,

I have found the information on the home site but cant see it on the small business site, it says this:

0% Finance is available from Dell Financial Services (CIT Group (UK) Ltd). UK business customers only and subject to status. All amounts exclude delivery and VAT. Prices shown may vary without notice. Terms and conditions and written quotations available upon request. Credit scoring used. Those not qualifying for for 0% may qualify for other finance offers. Promotion valid until 30/04/05

also on the first page:

1 0% Finance is available from Dell Financial Services (CIT Group (UK) Ltd). UK business customers only and subject to status. All amounts exclude delivery and VAT. Prices shown may vary without notice. Terms and conditions and written quotations available upon request. Credit scoring used. Those not qualifying for for 0% may qualify for other finance offers.


No mention of the £52.88

zakony

ahaaa, that is true, I didn't notice they had different small print on home and small business. I think you have your point there, stand on, but in the unlikely event that you loose, you can still cancell (am I right?).

Zippy123

I was under the impression that if fees and charges like this were included then they had to be included in the APR. If they dont the I whould have thought that then they would be in breach of the consumer credit act - unless you are not purchasing it as a consumer.

Bossyboots

Ring Dell and discuss it with them. They will usually ring you back to save you the cost of the call. I always ring them anyway as they will give you the online price plus a discount, or freebies if you ask. If they have made a mistake with this fee, they should be even more willing to offer you a better deal. (They once refunded me delivery I hadn't even paid for because the delivery man was so nasty)

zzzLazyDaisy

Zippy123 wrote:

I was under the impression that if fees and charges like this were included then they had to be included in the APR. If they dont the I whould have thought that then they would be in breach of the consumer credit act - unless you are not purchasing it as a consumer.

OP is buying from business site, therefore not buying as a consumer.