Perfect Home wont let us go!!

xstacie-mariex

My husband has been a customer of perfect home for 6 years so I only dread to think how much we have spent (wasted) with them. It starts off a daft £6 a week and for a 3 year period we were paying £45 a week! Our current weekly payment is £23 and still have a few more years to go.
We have never been late with payments and the account is not in arrears however we are after some advice about getting away from them. My husband's employment contract expired in April this year and is working on a one week notice period. How long this will continue is anyone's guess, the joys of being a contractor. We have spoken to perfect home asking if we were able to hand the items back to avoid the account going into arrears should my husband be given his notice but they are being very difficult. My husband first enquired about settlement figures but as you would expect from this company they are still unrealistic and would eat up all our savings which we need should he lose his job. Perfect home asked for proof that his contract had ended which we did but then when they read the part about the roll on weekly employment they insisted as he still had a job we weren't able to hand them back. They said we could have a temporary payment break but that was it.
Why is it you want to sort things to avoid trouble but they aren't prepared to budge??

antrobus

xstacie-mariex wrote: »

..... Perfect home asked for proof that his contract had ended which we did but then when they read the part about the roll on weekly employment they insisted as he still had a job we weren't able to hand them back. ...

Perfect Home state that "You are signing up to a hire purchase agreement". You have the right to terminate a HP agreement, your maximum liability is one half of the total payable under the agreement. So if you are more than half way though that HP agreement for your TV or whatever, you might well be able to simply hand it back.

https://www.nationaldebtline.org/EW/factsheets/Pages/16%20EW%20Hire%20purchase%20and%20conditional%20sale/Page-03.aspx

sourcrates

Hi,


You should never deal with such matters over the phone, always in writing, then the respondent must adhere to the law regarding hire purchase agreements, in essence, they will not lie to you in a letter, whereas over the phone, they can say anything.


All you need to know is on the National Debtline website, I have included a new link for you, as the one above doesn't work.


https://www.nationaldebtline.org/EW/factsheets/Pages/16%20EW%20Hire%20purchase%20and%20conditional%20sale/Default.aspx


Basically it matters not what chappie at the shop said, your rights and options are determined by your credit agreement, not what the man on the phone tells you.


Have a good read of all the info and you should be able to make an informed choice.

xstacie-mariex

We didn't have the original HP agreement but found the above links helpful. Armed with a few nuggets of knowledge they reluctantly agreed to collect the items. Small victory!! Nice to know its one less thing to worry about should the worst happen but I did sit and work out how much we had spent with them as our time as customers and it was over £12k! Shocking that this is peoples only alternatives at times!!

National_Debtline

Hi

I'm glad you've got this sorted. Make sure you cancel in writing using the sample letter on our HP factsheet, otherwise Perfect Homes might try to sell the item and say you owe the outstanding balance.

James
@natdebtline

fusionx212

xstacie-mariex wrote: »

We didn't have the original HP agreement but found the above links helpful. Armed with a few nuggets of knowledge they reluctantly agreed to collect the items. Small victory!! Nice to know its one less thing to worry about should the worst happen but I did sit and work out how much we had spent with them as our time as customers and it was over £12k! Shocking that this is peoples only alternatives at times!!

ask for a full statment of account and complain about the debt cycle they've applied to you.

look at this.

http://debtcamel.co.uk/payday-loan-refunds/

payday loans and these places are in my opinion very closely related and they have clearly trapped you into using them.