Homebase Kitchen Installers are Rogues

Football_Geek

wealdroam wrote: »

If you have agreed to it, then of course they can.

Read your finance agreement.

Almost certainly it will say something like "if you don't pay the full amount before the end of the interest free period, then not only will they charge interest on the outstanding amount, but they will charge interest on the full amount from the day the purchase was made".

But I'm guessing... you need to read your agreement.

Yes, of course, I have read the agreement. The credit company won’t charge interest from the day I made the purchase.

I was advised that the credit company operate in the same way as a credit card company.

You know when you make a purchase by credit card and the retailer does not deliver an item and ignores you, you can claim the money back via the credit card company.

I get my credit card bill each month, but if I have n’t received an item, I can claim it back from the credit card company. I do not get charged for this item. I pay the rest of my credit card statement and I do not get charged any interest, despite the fact it says you have to pay interest if you do not pay the credit card statement off in full.

In the same way, in theory , there is an option to claim the money back from Barclays Finance. I do not get charged interest. In turn, Barclays demand the money back from Homebase.

bod1467

What you're basically talking about is Section 75 of the Consumer Credit Act, which makes the credit provider jointly liable with the supplier for the performance of the contract.

wealdroam

Football_Geek wrote: »

Yes, of course, I have read the agreement.

Then why are you asking what Barclays can do?
The finance company can only do what you have agreed to.

Football_Geek wrote: »

The credit company won’t charge interest from the day I made the purchase.

That's good to hear, because their current offering does exactly that:

Representative example: Cash price £1000, no deposit required.

You can choose to settle the balance in full within the first 12 months e.g. cash price of £1000 + £29 settlement fee, total payable £1029. Alternatively if you do not settle in full before the end of the Buy Now Pay Later period interest will be charged on the whole balance from the date of purchase and you will pay 60 monthly repayments of £38.39, total amount payable £2303.40.

Football_Geek wrote: »

I was advised that the credit company operate in the same way as a credit card company.

You know when you make a purchase by credit card and the retailer does not deliver an item and ignores you, you can claim the money back via the credit card company.

I get my credit card bill each month, but if I have n’t received an item, I can claim it back from the credit card company. I do not get charged for this item. I pay the rest of my credit card statement and I do not get charged any interest, despite the fact it says you have to pay interest if you do not pay the credit card statement off in full.

In the same way, in theory , there is an option to claim the money back from Barclays Finance. I do not get charged interest. In turn, Barclays demand the money back from Homebase.

Yes, as said, that is Section 75 of the Consumer Credit Act 1974.

MSE has produced a document on it:

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

Section 75 doesn't cover the point you make about interest though.

jenpoptrash

Hi Football Geek, i've sent you a pm

Football_Geek

Yes, Section 75 of the Consumer Credit Act 1974. Joint liability. These are the words I used in my letters to Homebase and Barclays Finance. Thanks for your feedback.

Computersaysno

Shock, horror......." Homebase Kitchen Installers are Rogues "




Next up on 'Stating the bleeding obvious'...""Bears do sh17 in the woods!!!"