We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Spending Large amounts of money while depressed
Options
totally_bonkers
Posts: 10 Forumite
Hi everyone
This is one of my first posts on MSE and a very sensitive one for me. Recently I had a visit from a company who I asked to come and show me their range of shutters and blinds. All very nice and to cut a long story short, I committed to buying nearly £3.5k of roller blinds and shutters for my tiny two bed bungalow! I have never done anything like this before, I'm usually so careful.
Anyway, I tried to cancel the order and the company has refused to help me. I didn't want to go the mental health route, but I am so worried and I haven't told my OH, he would be livid!
I've looked for help and advice in various places and the Money & Mental Health Org site referred me to MSE debt postings. I'm not technically in debt, but I really can't afford to pay that much money for some window-dressing and I'm getting really worried now.
I've tried the Credit Card route as well, but they say they can't help either. Can anyone give me some advice please - I want to try and sort this out myself if possible.
Thank you in advance.
This is one of my first posts on MSE and a very sensitive one for me. Recently I had a visit from a company who I asked to come and show me their range of shutters and blinds. All very nice and to cut a long story short, I committed to buying nearly £3.5k of roller blinds and shutters for my tiny two bed bungalow! I have never done anything like this before, I'm usually so careful.
Anyway, I tried to cancel the order and the company has refused to help me. I didn't want to go the mental health route, but I am so worried and I haven't told my OH, he would be livid!
I've looked for help and advice in various places and the Money & Mental Health Org site referred me to MSE debt postings. I'm not technically in debt, but I really can't afford to pay that much money for some window-dressing and I'm getting really worried now.
I've tried the Credit Card route as well, but they say they can't help either. Can anyone give me some advice please - I want to try and sort this out myself if possible.
Thank you in advance.
0
Comments
-
Hi, have you actually paid yet ?
There is always a 14 day cooling off period for items bought unseen then delivered.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
sourcrates wrote: »Hi, have you actually paid yet ?
There is always a 14 day cooling off period for items bought unseen then delivered.
Does this apply if you buy in your own home though Sourcrates? I wasn't sure it did. Also - remember that in any event, if the items are "Made to Measure" the law is different.
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
EssexHebridean wrote: »Does this apply if you buy in your own home though Sourcrates? I wasn't sure it did. Also - remember that in any event, if the items are "Made to Measure" the law is different.
Think it would depend which takes preference, distance selling regs, as order placed in customers home, or the fact they were made to measure items.
Trading standards or CAB best place to ask.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Hi OP
EssexHebridean makes a valid point in stating that normal cooling-off period rules do not apply to items which are custom-made - I don't know whether this was the case here, or whether these blinds were simply "off the shelf".
If they were not custom-made, you may still have a right to cancel under the Doorstep Selling Regulations (it does not matter that the visit was solicited by you). Again, I don't know how long ago your purchase was made. This link explains the seller's obligations:
https://www.gov.uk/doorstep-selling-regulations
Probably best that you contact the Citizens Advice consumer service on 03454 04 05 06 for specialist advice.
Dennis
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards