Dental Treatment Deposit
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A month ago I paid a £200 deposit for a course of dental treatment at £1900. I was offered a financial agreement to cover this cost over one year without interest. I paid the first instalment of £141.66. Then the dentist sent me a message that he was closing down until after the coronavirus ends. I contacted the finance company, Tabeo, and explained to them my loss of income because of the emergency and also I could not get the dental work done which was why I took out the finance plan. They offered no help and told me that if I did not keep up the payments they would report against my credit score. I am now 72, and have never had less than a very good score. Since this was a package with the dentist acting for the finance company, should not the payments be put on hold until the dental work can be done? Obviously I don't know whether the dentist has already been paid or not, but anyway they should sort it out between them and not cause hardship for me.0
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@maryward24
I've asked for your question to be separated from the thread as it raises some issues that are worth discussing.- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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What is happening here is there are a chain of contracts:
1. You dentist has contracted to carry out the work. The contract was confirmed by a deposit.
2. The Finance company has a contract with the dentist to pay them on completion of the work or in stages or as agreed in the terms of their mutual contract. You are not involved in that contract.
3. There is another contract between you and the Finance company to honour a loan they have earmarked to pay the dentist when the work is completed.
The three contracts work independently so if one fails, the others are still in place. The Small Claims court sort these failed contracts out.but anyway they should sort it out between them and not cause hardship for me.No you have to take it up with the dentist. If you do not want the work done you should ask for the work to be cancelled based on frustration of contract. The dentist may offer you a variation of the contract e.g. a later date but you don't need to accept it if it is unreasonable. Once that contract is cancelled, the dentist should inform the Finance company there is no further liability and you should be released from your obligation to pay. So the key is to resolve the issue with the dentist as to whether you want a cancellation or a postponement.
In any case, your contract with the Finance company is covered by s75 of the Consumer Credit Act 1974
https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases/- All land is owned. If you are not on yours, you are on someone else's
- When on someone else's be it a road, a pavement, a right of way or a property there are rules. Don't assume there are none.
- "Free parking" doesn't mean free of rules. Check the rules and if you don't like them, go elsewhere
- All land is owned. If you are not on yours, you are on someone else's and their rules apply.
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