Perfect homes rip off

claire.33

Hi I started an agreement with perfect homes 17 Sep 2013 for a Samsung mobile.

now my agreement states total amount payable £657.60 over 80weeks.

today I receive an annual statement from them through the post which says opening balance £1,012.80 and remaining balance £290.90 I've worked it out and seems I've paid so far £800+ when my agreement states pay back £657.90

Now I know when I first started I had to take all insurance etc.

I did get my own insurance which I showed them.

what I can't understand is how does my agreement show £657.90 and they are saying that huge amount on a statement.

advice really needed please.

Clive_Woody

£657.60 over 80weeks

So do you pay £8.22 per week?

wiogs

claire.33 wrote: »

Hi I started an agreement with perfect homes 17 Sep 2013 for a Samsung mobile.

now my agreement states total amount payable £657.60 over 80weeks.

today I receive an annual statement from them through the post which says opening balance £1,012.80 and remaining balance £290.90 I've worked it out and seems I've paid so far £800+ when my agreement states pay back £657.90

Now I know when I first started I had to take all insurance etc.

I did get my own insurance which I showed them.

what I can't understand is how does my agreement show £657.90 and they are saying that huge amount on a statement.

advice really needed please.

Is the insurance in excess of the phone cost?

Have you been paying that all along?

Pablosammy

claire.33 wrote: »

Hi I started an agreement with perfect homes 17 Sep 2013 for a Samsung mobile.

now my agreement states total amount payable £657.60 over 80weeks.

today I receive an annual statement from them through the post which says opening balance £1,012.80 and remaining balance £290.90 I've worked it out and seems I've paid so far £800+ when my agreement states pay back £657.90

Now I know when I first started I had to take all insurance etc.

I did get my own insurance which I showed them.

what I can't understand is how does my agreement show £657.90 and they are saying that huge amount on a statement.

advice really needed please.

£657.90 over 80 months with 34% APR would explain the figures.

claire.33

Clive_Woody wrote: »

£657.60 over 80weeks

So do you pay £8.22 per week?

Hi, no they had me paying £12.66 which then dropped to £12.38 last week. they made me take out cover etc for a phone which was a thousand owing. I then got my own insurance and they rewrote the agreement to owing £657.60 over 80wks. I then other day received a statement from them showing a run down of payments I'd made and they seem to still be charging me cover etc. surely Ive paid this phone off now.

wiogs

claire.33 wrote: »

Hi, no they had me paying £12.66 which then dropped to £12.38 last week. they made me take out cover etc for a phone which was a thousand owing. I then got my own insurance and they rewrote the agreement to owing £657.60 over 80wks. I then other day received a statement from them showing a run down of payments I'd made and they seem to still be charging me cover etc. surely Ive paid this phone off now.

Did you actually cancel their insurance cover?

claire.33

wiogs wrote: »

Did you actually cancel their insurance cover?

Yes I cancelled months ago in store and the rewrote my agreement stating £8.22 over 80wks but yet I'm still paying £12 they even took copies of my own insurance letter

haras_nosirrah

Even paying £650 for a Samsung is a rip off

Gaz83

Are Perfect Homes one of those Brighthouse-style companies? What an utter rip-off. The sooner people stop using them, the better.

claire.33

So surely if my agreement states total amount payable is £657.60 and Ive paid so far in excess of £800 I shouldn't be paying anything else on it. wouldn't they owe me.

suicidebob

Wow. What a ridiculous price to pay for a new phone, and that's coming from someone with an Iphone 6.

OP, don't buy things you can't afford. You might impress your mates with your new phone, but you'll suffer for it in the long run.