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"Loan Charge" Help - CSL/Barclays
poor_child
Posts: 34 Forumite
in Loans
A couple of months ago I ordered a sofa with CSL - online/over the phone.
They wouldn't accept my credit/debit card for payment as they were still linked to my old address. Was in urgent need of the sofa and changing address over was going to take 1-3 days. So was advised by the CSL salesperson to take out the interest free loan and just pay it off in full once the address situation was sorted; she assured me there was no charges apart from the cost of the sofa.
The salesperson sent the document over to me via e-mail and told me to sign on page 11, it was all a bit rushed as she needed the paperwork back within he hour to process and ensure the delivery time we agreed. Stupidly, I signed it without absorbing the details.
The paperwork lists the cost of the sofa then just below, clearly states another term: "Total charge of the loan, Description: the cost of the loan" and states 491.70 charge.
Now, while I know it was incredibly daft to sign without reading and should have questioned this at the time - I am now wondering if this is legal? As that charge is almost a 100% more than what I owe them? Tried to Google but had no luck.
Help and advice much appreciated. Thanks in advance.
They wouldn't accept my credit/debit card for payment as they were still linked to my old address. Was in urgent need of the sofa and changing address over was going to take 1-3 days. So was advised by the CSL salesperson to take out the interest free loan and just pay it off in full once the address situation was sorted; she assured me there was no charges apart from the cost of the sofa.
The salesperson sent the document over to me via e-mail and told me to sign on page 11, it was all a bit rushed as she needed the paperwork back within he hour to process and ensure the delivery time we agreed. Stupidly, I signed it without absorbing the details.
The paperwork lists the cost of the sofa then just below, clearly states another term: "Total charge of the loan, Description: the cost of the loan" and states 491.70 charge.
Now, while I know it was incredibly daft to sign without reading and should have questioned this at the time - I am now wondering if this is legal? As that charge is almost a 100% more than what I owe them? Tried to Google but had no luck.
Help and advice much appreciated. Thanks in advance.
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Comments
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Please ignore!
I figured it out and don't owe them the charge.
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