TV Finance Anomaly!

fusionx212

takman wrote: »

So if the customer made a mistake and the business used this to get extra money from them. Would you still support this because the customer made a mistake so it's there problem, as you say ?

your arguing semantics,

paying is the ops choice. the courts and law see it as black and white and apply no moral compass in pursuant of money, the op is entitled to do the same. the op did the right thing by saying I am ready to pay. the store did not do the right thing by following their own processes.

if it was the the other way round they would not think twice going to town on him

but things maybe all clear and pearly white in your ivory tower.

takman

fusionx212 wrote: »

your arguing semantics,

paying is the ops choice. the courts and law see it as black and white and apply no moral compass in pursuant of money, the op is entitled to do the same. the op did the right thing by saying I am ready to pay. the store did not do the right thing by following their own processes.

if it was the the other way round they would not think twice going to town on him

but things maybe all clear and pearly white in your ivory tower.

Your avoiding the question that I asked!.

Consumers have far more protection than businesses so it's always in the customers favour. But what I'm saying is if it was the other way around and the customer made a mistake would you support the business in taking advantage of that. I suspect the true answer will be no!.

I have always paid back every penny I have borrowed on time as per what I agreed. This means that the banks are giving me thousands of pounds a year in interest and switching incentives. You seem to want to screw them over every chance you get due to paperwork errors and process failures. Yet your in thousands of pounds of debt and seem to be struggling financially. I defiently know what position I would rather be in!

fusionx212

takman wrote: »

Your avoiding the question that I asked!.

Consumers have far more protection than businesses so it's always in the customers favour. But what I'm saying is if it was the other way around and the customer made a mistake would you support the business in taking advantage of that. I suspect the true answer will be no!.

I have always paid back every penny I have borrowed on time as per what I agreed. This means that the banks are giving me thousands of pounds a year in interest and switching incentives. You seem to want to screw them over every chance you get due to paperwork errors and process failures. Yet your in thousands of pounds of debt and seem to be struggling financially. I defiently know what position I would rather be in!

thanks for your concern about my "debt" I'll use the system how I see fit and for your information I have paid all my debts back but at an extra expense of bad business it won't happen again to me.

good luck with your interest rates, however having been on the other end of the scale.

the system is black and white customers make mistakes all the times and businesses do not tell the customers. Business misold ppi as well as numerous other underhand tricks.. finance and business have been running rampant unregulated for years.

I have no care for businesses any more the same as they have no care for me.


I support the op in using the system the same way as the company would use it against him.

jonesMUFCforever

fusionx212 wrote: »

thanks for your concern about my "debt" I'll use the system how I see fit and for your information I have paid all my debts back but at an extra expense of bad business it won't happen again to me.

good luck with your interest rates, however having been on the other end of the scale.

the system is black and white customers make mistakes all the times and businesses do not tell the customers. Business misold ppi as well as numerous other underhand tricks.. finance and business have been running rampant unregulated for years.

I have no care for businesses any more the same as they have no care for me.


I support the op in using the system the same way as the company would use it against him.

I agree with most of what you say AS LONG AS if they find the loan details OP has no complaint about having to pay it back with interest.
Otherwise go for it.

takman

fusionx212 wrote: »

the system is black and white customers make mistakes all the times and businesses do not tell the customers. Business misold ppi as well as numerous other underhand tricks.. finance and business have been running rampant unregulated for years.

People need to take responsibility for their actions and desicions they make financially. For example I have never taken out PPI and actively refused it on all financial products because I did research and knew it was not worthwhile for me having it. If people did a bit more research and took responsibility for their actions they wouldn't end up wasting money on insurance and other products they don't need.

I agree that everyone makes mistakes and that's why I make sure I have safeguards in place such as having direct debits on all my credit cards so I don't miss a payment. I also check all my statements as they are produced and check my bank account almost daily.

I don't see the point in more regulations that holds the hands of customers who are not interested in making sure they have all the facts before they buy something. What we need is people to really consider a decision before they make it.

AndyPix

takman wrote: »

People need to take responsibility for their actions and desicions they make financially. For example I have never taken out PPI and actively refused it on all financial products because I did research and knew it was not worthwhile for me having it. If people did a bit more research and took responsibility for their actions they wouldn't end up wasting money on insurance and other products they don't need.

I agree that everyone makes mistakes and that's why I make sure I have safeguards in place such as having direct debits on all my credit cards so I don't miss a payment. I also check all my statements as they are produced and check my bank account almost daily.

I don't see the point in more regulations that holds the hands of customers who are not interested in making sure they have all the facts before they buy something. What we need is people to really consider a decision before they make it.

As far as I can see it, the OP took full responsibility for his actions and also considered his decision before making it.
He has contacted the finance company, who have told him he owes them nothing and not to pay, and he has also contacted the seller, who now want him to come in and sign some new paperwork because they lost his old lot !!


If it will put your mind at rest OP, maybe get it in writing that you owe the finance company zero .
Then carry on with your daily business happy in the fact you got a telly at 90% off ..


And ignore all the preachers who would most likely do exactly the same thing themselves


Andy

takman

AndyPix wrote: »

As far as I can see it, the OP took full responsibility for his actions and also considered his decision before making it.
He has contacted the finance company, who have told him he owes them nothing and not to pay, and he has also contacted the seller, who now want him to come in and sign some new paperwork because they lost his old lot !!


If it will put your mind at rest OP, maybe get it in writing that you owe the finance company zero .
Then carry on with your daily business happy in the fact you got a telly at 90% off ..


And ignore all the preachers who would most likely do exactly the same thing themselves


Andy

My response was to the comment made by fusionx212 and not aimed at the OP or their situation.

AndyPix

takman wrote: »

My response was to the comment made by fusionx212 and not aimed at the OP or their situation.

My apologies