Blind company enters liquidation but have finance with 3rd party

challengeannie

I have found out that the company due to fit my blinds in June has gone into liquidation today. 
So far I have paid a deposit on direct debit card about £104 and the 1st payment of a finance agreement with omniport for £104.
Within the credit agreement it states the following....

The loan must be used to finance the purchase of the goods/services specified in the PCI. Those purchases are not covered by section 75 of the Consumer Credit Act 1974. This means that you only have a right to sue the supplier of the goods or services, if the supplierof the goods or services fails to carry out its obligaons under its contract with you (for example if the goods are not delivered or they are not of satsfactory quality) or if the supplier has persuaded you to enter into the contract on the basis of incorrect informa on. We will not be responsible in any way for the goods or services supplied to you and the Financial Ombudsman Service will not have jurisdic on to review any complaint you may raise in relation to this agreement, or the goods or services financed by it.

Please can someone advise me of the rights I have in terms of not paying the finance agreement and getting my money back. 
Thanks

JJ_Egan

Contact the finance company re finance payments .

Deposit will be in the hands of the administrators/ liquidators .

DoaM

I suspect that term excluding S75 rights is unlawful. If the finance is directly attributable to the purchase then S75 rights are enshrined in law and cannot be contracted out by T&Cs.

Raise a S75 claim for a refund of all monies paid (including the deposit). If they decline then raise formal complaint. Once you receive a deadlock letter (or 8 weeks have passed) then raise a complaint with the Financial Ombudsman Service (FOS). Like I said, their T&Cs don't supersede consumer law.

They regulated by the FCA so I can't see them getting away with avoiding their legal obligations. A complaint/query to the FCA may be worthwhile?

PS - their Trustpilot reviews don't inspire confidence: https://uk.trustpilot.com/review/www.omnicapitalretailfinance.co.uk

born_again

>>deposit on direct debit card <<

Debit card or Direct Debit as are 2 different methods of payment.
Might make a difference on the deposit. Which method was used?