Homebase Card - buy now pay later

pgda85

I'm after a bit of advice from anyone who may have been caught out with this before or who can help.

Basically I bought a kitchen from Homebase on a buy now pay later (12 months) scheme. I missed the payment due date and subsequently had 12months interest back dated.

I did check my online account and statements regularly expecting to see a notification that the payment was due but this didn't happen and i missed it by a week or so.

I've looked back at statements and the online account and believe that they are designed to confuse and are not very clear at all. I complained to Homebase and was refunded 50% and told i'd got to the end of their complaints procedure and that i had to contact the financial ombudsmen if I wasn't happy. I have decided to pay the other 50% so that i didn't incur further charges but I'm wondering if it is worth taking this further. Has anyone had a similar experience?

Thanks

grumbler

pgda85 wrote: »

I did check my online account and statements regularly expecting to see a notification that the payment was due but this didn't happen and i missed it by a week or so.

I've looked back at statements and the online account and believe that they are designed to confuse and are not very clear at all.

Do you mean Homebase online account?
What sort of payment it was and what notification did you expect? Was it not a DD? If so, why?

chanz4

the paper statment if the same as argos has the plan end date

Megamicrofish

Did you not know when the payment was due (12 months after loan taken out)?