tv

ste74

hi, i bought a new tv about 2 years ago from a mail order company, ie
catalogue like many other people my partner lost her job overtime at work stopped for me so i could not afford the payments for the £1000 tv im now paying it by a debt company the worring thing to me is if the tv breaks down who is reponsible for the repairs me, the mail order company or the debt as im still paying for it the end of day, thank you

poppasmurf_bewdley

Now that would be good if you could get the firm with whom you have defaulted on the loan to pay for a repair on a TV set you haven't paid for.

[Deleted User]

ste74 wrote: »

who is reponsible for the repairs. me?

Yes, it's you.

macman

Unless it's got a manufacturer's warranty of two years or more, or you paid for an extended warranty.

ste74

so if i got tv lets say over a 2 year period and it broke down in less then 2 years I STILL GOT TO PAY IS THAT RIGHT ? otherwise il send it to the debt company this is abit of a loop hole ere in law

[Deleted User]

ste74 wrote: »

so if i got tv lets say over a 2 year period and it broke down in less then 2 years I STILL GOT TO PAY IS THAT RIGHT ? otherwise il send it to the debt company this is abit of a loop hole ere in law

There is no "loophole". You own the TV set and you've effectively borrowed the money to pay for it. You're not renting the TV, so you are responsible for any repairs the set might require. The debt company are only interested in you paying your debt. If you continue to be tardy with repayments then the debt company can repossess the TV.

macman

The warranty is for the period provided for by the manufacturer: it could be 12m or 24m.
The length of the loan you took out to pay for it is completely immaterial.
If you bought a car with a 5 year loan, it doesn't extend the warranty on the car to 5 years! *unless it's a Hyundai*

visidigi

Moneyineptitude wrote: »

the debt company can repossess the TV.

just to add, in line with the op's thought processes, even if repossessed, you still owe the balance less any cost recouped from its sale.

katejo

visidigi wrote: »

just to add, in line with the op's thought processes, even if repossessed, you still owe the balance less any cost recouped from its sale.

The moral is not to spend £1000 on a tv if you can't afford to buy it outright . My current flat screen cost around £400 .

[Deleted User]

katejo wrote: »

The moral is not to spend £1000 on a tv if you can't afford to buy it outright . My current flat screen cost around £400 .

But a £400 TV is in no way equatable with a top end model, of course.

dodger1

Moneyineptitude wrote: »

But a £400 TV is in no way equatable with a top end model, of course.

Top end model and top priced model don't always go hand in hand though.