Harvey's Furniture - help with sofas bought on credit

irishgal94

Really hope I can get help with a major issue I am currently experiencing with Harvey's Furniture. This quite a long story so please bear with...
 

In September 2019, my partner and I purchased two sofas on monthly finance from Harvey's. We also purchased insurance to cover accidental damage at a total fee of £27 per month.

In February 2020, one of the sofas broke. We contacted Harvey's and the issue was covered under the insurance when confirmed by the care team who visited our home to assess the damage. 

We then began a lengthy process of waiting for the repair team to fix the sofa. However, just a few weeks later, lockdown was announced due to the coronavirus pandemic which delayed our repair indefinitely. 

Then in June, we of course learned Harvey's had gone into administration. This began a long drawn out process of contacting the administrators and creditors to find out how the issue of our broken sofa was going to be solved. After months of many phone calls and emails, as of September 2020, our issue still has not been resolved and we feel we have been passed from pillar to post in terms of our next steps as we have had no contact with the creditors or administrators for quite some time. 

If anyone could offer any help/guidance on this I would be so, so grateful as we are basically paying our monthly finance in full for a sofa that is not fit for purpose and stuck with a completely faulty product. Thanks in advance! 

Aylesbury_Duck

Who is the finance provider and who provides the insurance?  The finance provider is jointly liable with Harvey's when it comes to your consumer rights, and I suspect the insurer still operates, even though Harvey's is in administration.

Fosterdog

This will all depend on what you mean by the sofa broke. If you mean accidental damage then it is nothing at all to do with the finance company. If it is a manufacturing defect then the finance company are liable.

If it is accidental damage, what is the insurance policy you took out? Is it an actual insurance product with a backed scheme or is it a non backed additional warranty that is not an actual insurance product? If the former then the insurance policy should still be valid, if the latter then you may be out of luck.