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My rights- HELP

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Comments

  • Please read the final part of my last reply.
  • Richey_
    Richey_ Posts: 334 Forumite
    Please read my post. It was constructive advice not negative in any way.

    I am nicely pointing out to ignore the credit scores you see advertised, they are essentially meaningless when you go for a financial product as the companies rely on your history.

    You came here hoping to be able to keep something for nothing. Like in monopoly - bank error in your favour collect (in your case) £398. When you didn't get that and people rightly said you borrowed the money, it's legally down to you to repay it, you didn't like their answers and went on the attack.

    Unfortunately when you sign a contract to borrow money you are contractually bound by what you signed. There is no "principle" when a company has made a genuine error. This is where the negotiations start with you and the company how the money will be repaid. You received good advice from all, you have just cherry picked what you want to hear.
  • amfan
    amfan Posts: 108 Forumite
    Fifth Anniversary Combo Breaker
    To be perfectly honest, if you can find the money to save and pay for a wedding - which is essentially just a ridiculously expensive party - then you can find the money to save and pay for these goods. Find somewhere in the wedding costs that you can source cheaper alternatives to free up some money there.
  • You have two choices. be ignorant and hope for the best. Or save up again and pay it off after your stroke of luck at having another six month period to do so!


    You can of course ask for goodwill, but the loan provider has corrected their mistake.
    I was employed at the time working at a massive corporate company as an account executive
    As you were an account executive, I suppose prior to becoming self employed, you possibly also corrected invoicing error and chased payment?
  • Mnd
    Mnd Posts: 1,699 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    I just stumbled across this thread and the identical situation occured with us when we bought a new car, 3 months interest free then we were going to pay the whole £9k off.
    However, the loan company had no record of us buying the car, agreeing to the credit but I insisted it was sorted out. In the end the girl thanked me for my honesty and said I could of got away with that, but I would never have been comfortable with that situation either morally or deep down thinking "1 day this will come back to us"
    No.79 save £12k in 2020. Total end May £11610
    Annual target £24000
  • Mnd wrote: »
    I just stumbled across this thread and the identical situation occured with us when we bought a new car, 3 months interest free then we were going to pay the whole £9k off.
    However, the loan company had no record of us buying the car, agreeing to the credit but I insisted it was sorted out. In the end the girl thanked me for my honesty and said I could of got away with that, but I would never have been comfortable with that situation either morally or deep down thinking "1 day this will come back to us"
    I’d have put the £9K into an interest bearing account and drained the interest every few months.
    I came into this world with nothing and I've got most of it left.
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