Store BNPL Loan

sabelu

Bought a kitchen from b&q last year just coming to the end of the BNPL period but some of the snags are still not complete what right have I to with hold payment. Bearing in mind there is history of many issues and replacements in the kitchen.

Regards,

Apples2

None! , make sure you pay it all off or you will be in a World of financial hurt.

DCFC79

sabelu wrote: »

Bought a kitchen from b&q last year just coming to the end of the BNPL period but some of the snags are still not complete what right have I to with hold payment. Bearing in mind there is history of many issues and replacements in the kitchen.

Regards,

Its 2 different things, the kitchen is for B&Q to deal with, the finance is nothing to do with B&Q. Withold the payment at your peril but feel free to try it though. If you have problems with the kitchen then contact 1 of the suits at HO, write to them.

Ok maybe I was wrong and the 2 could be linked as described below.

sabelu

Sorry guys think the finance have a little clout as effectively under the law with the vendor sale of goods etc

PeacefulWaters

Pay your finance as and when due. Don't mess with your credit file.

If you aren't happy with the goods bought, and B&Q aren't resolving things to your satisfaction, raise a Section 75 claim with the finance company (assuming the loan is directly linked to the kitchen purchase).

sabelu wrote: »

Sorry guys think the finance have a little clout as effectively under the law with the vendor sale of goods etc

Research Section 75 and you'll find the finance company may have joint liability, depending on the type of loan agreement.

Stevefromdonny

B&Q arrange their finance through Hitachi Capital (just finished paying mine off at 0%) but you'd have to read the terms and conditions of the loan agreement which you will have signed when you bought the kitchen. If there's nothing in there about quality of goods, I wouldn't try withholding payments as they are a separate entity from both B&Q and the kitchen. It is not the same as financing a car whereby the finance is directly linked to the car.

bigadaj

Stevefromdonny wrote: »

B&Q arrange their finance through Hitachi Capital (just finished paying mine off at 0%) but you'd have to read the terms and conditions of the loan agreement which you will have signed when you bought the kitchen. If there's nothing in there about quality of goods, I wouldn't try withholding payments as they are a separate entity from both B&Q and the kitchen. It is not the same as financing a car whereby the finance is directly linked to the car.

Withholding payment is not a good option under any circumstance but trying a section 75 claim through the lender if struggling with the supplier gives another option to have a go at.

molerat

Look up the DSG laptop court case thread to see what happens if you don't pay the finance, if he loses this last appeal he will be bankrupt over a £1k finance deal.

DCFC79

molerat wrote: »

Look up the DSG laptop court case thread to see what happens if you don't pay the finance, if he loses this last appeal he will be bankrupt over a £1k finance deal.

bigadaj wrote: »

Withholding payment is not a good option under any circumstance but trying a section 75 claim through the lender if struggling with the supplier gives another option to have a go at.

I see, didnt know this was the case.

Thanks