stopping payment on interest free loan

deltadog

deltadog said:

we have a £2700 3 piece leather suite from DFS we are having problems with getting satisfactory repairs done ,or replacement arm chairs under the sale of goods act. The suite is on an interest free loan ,would it be acceptable to stop payments until satisfactory outcome ?

deltadog

[Deleted User]

No.       

[Deleted User]

I don't think so, you'll just incur late payment penalties because of poor credit conduct - which will go against you when you need to apply for any form of credit based item.
Make a nuisance of yourself via  written, emailed, phoned, instore, presences - at least this won't get financial institutions flagging you as uncreditworthy.

bradders1983

deltadog said:

deltadog said:

we have a £2700 3 piece leather suite from DFS we are having problems with getting satisfactory repairs done ,or replacement arm chairs under the sale of goods act. The suite is on an interest free loan ,would it be acceptable to stop payments until satisfactory outcome ?

deltadog

DFS have nothing to do with the loan, it will be through a totally seperate finance company.  Stopping paying that will achieve nothing with your complaint. 

DCFC79

As mentioned, the finance is separate to the sofa, what will happen is you will get a black mark against you and the suite still wont be sorted or be anywhere fixed.

A couple of questions for you OP.
How old is the suite or when did you buy it ?
What is the issue ?
What have you tried to get it resolved ?
Have you had any communication at all from dfs ?

JReacher1

You’ll ruin your credit history and the loan is provided by a third party not DFS

deltadog

Many Thanks to you all for your timely advice.    suite bought March 2019 ,problem is chair arms going "sticky" & cracking of leather on one chair front. first reported July 20 first visit 31July nothing heard for 22 days . next visit 4th Sept ,Repairs not acceptable ,mismatch in colour & arms still Tacky, letter sent to DFS CEO &copied to DFS branch

This is the 3rd DFS leather suite in last 10 years that we have had problems with the leather ,last one we were told that it was out of warranty

Regards to all

deltadog

phillw

deltadog said:

Many Thanks to you all for your timely advice.    suite bought March 2019 ,problem is chair arms going "sticky" & cracking of leather on one chair front. first reported July 20 first visit 31July nothing heard for 22 days . next visit 4th Sept ,Repairs not acceptable ,mismatch in colour & arms still Tacky, letter sent to DFS CEO &copied to DFS branch

This is the 3rd DFS leather suite in last 10 years that we have had problems with the leather ,last one we were told that it was out of warranty

Regards to all

deltadog

I assume you're talking about a loan taken out as part of a purchase, so you never received the money?
In which case you should be able to contact the loan company and make a section 75 claim.
That may cause DFS to leap into action, although they may say you haven't given DFS enough time to resolve.
I'm not sure that saying that this is the third suite you've had problems with is helpful, they may draw the conclusion that you're doing something on purpose. I kinda wonder why you'd keep putting yourself through it.

jamjar92

deltadog said:

Many Thanks to you all for your timely advice.    suite bought March 2019 ,problem is chair arms going "sticky" & cracking of leather on one chair front. first reported July 20 first visit 31July nothing heard for 22 days . next visit 4th Sept ,Repairs not acceptable ,mismatch in colour & arms still Tacky, letter sent to DFS CEO &copied to DFS branch

This is the 3rd DFS leather suite in last 10 years that we have had problems with the leather ,last one we were told that it was out of warranty

Regards to all

deltadog

If you had so many problems with DFS quality why go back? Before lockdown we decided to replace our suite and did a tour of the Heart Foundation shops picked up a very good quality suite for very little money.

Barny1979

deltadog said:

This is the 3rd DFS leather suite in last 10 years that we have had problems with the leather ,last one we were told that it was out of warranty

fool me once, shame on you; fool me twice, shame on me, fool me thrice, get what I ask for......

ict_guy

I had a problem with a DFS sofa about 20 years ago and swore I would never buy from them again, been true to my word, I only buy quality now 👍