Bensons for beds interest free credit question

ej2095

Can i just grab some advice please

We ordered a bed on the 20th June and left a deposit on a debit card for £368 pound and had the bed on 3 years interest free finance.

Delivery was meant to be on the 24th Aug then goto moved to the 28th Aug now moved again to the 5th October.

Given the nature of benson and harverys, what would happen if bensons fold and i have not had my goods?

Am i left with the interest free loan to pay of which i have had no goods?

Also I assume I can use the chargeback scheme to get my deposit back?

Worse case scenario

If you could advise that would be great

Tonyw193

Im no legal expert but you took out an agreement in which you pay over a period of time. In that agreement they have agreed to provide you with a product. Should the company fail to provide that product they would be in breach. So you wouldn't have to make further payments. However, it may become difficult to reclaim the deposit. I would speak with the bank. Theres always more protection with a credit card. 

sourcrates

They are still reeling from the parent company going bust in June, you may experiance delays, according to the web.

[Deleted User]

Theres no reason to think that at this stage there is any real danger of Benson's going under, what will happen is that benson's and harvey's will trade from bigger stores together. Its not unreasonable for delivery dates to widen given what we have been through this summer.

DCFC79

Bensons arent part of the same group as Harveys, I believe B&B was bought and Harveys was put into administration. Whether H survives is anyones guess.

[Deleted User]

They had the same owners but as you rightly say Harveys went under and Bensons saved, steinhoff international were the owners its unclear what fate awaits harveys.