Items bought under a credit agreement

Smeep

Hello, I was wondering if I could get a little help from the crowds here.

I have a Huawei p30 which I've been told by o2 only has a 12 month warranty. Now in normal circumstances, I'd accept that, no problem.

However, many moons ago, I worked in PC world  - had a chap come back with an iPad which was out of warranty. A few days later he walks in with a copy of some sort of consumer rights print out, which showed that whilst an item is still being paid for, he could indeed get a repair done on the item. Unfortunately, he had finished paying it off and I still couldn't help - which sucked because I was impressed by his research.

I can't find any such thing (as I now how a problem with my phone) and I was just wondering if anyone here had ever come accross this?

No worries if not. I've trawled through the Consuer Rights Act and the Consumer Credit act - but there's that much in there that even if this information does exist, I've either missed it or I'm looking in the wrong place

Kind regards
Smeep

ItsComingRome

Presumably, he was talking about S75?  He wouldn't have had any rights against you under S75, it'd be whoever offered the finance.  I'd be more impressed with his ability to talk out of his backside and fool you into thinking he knew what he was talking about than his research.

There's one problem here, the supplier of your phone and the financier of your phone are one and the same.  The other problem is that these are usually service agreements, rather than Consumer Credit Act agreements meaning no S75 protection.

You may have consumer rights against o2, depending on what the problem is, but S75 will be a non-starter.

MattMattMattUK

Smeep said:

Hello, I was wondering if I could get a little help from the crowds here.

I have a Huawei p30 which I've been told by o2 only has a 12 month warranty. Now in normal circumstances, I'd accept that, no problem.

However, many moons ago, I worked in PC world  - had a chap come back with an iPad which was out of warranty. A few days later he walks in with a copy of some sort of consumer rights print out, which showed that whilst an item is still being paid for, he could indeed get a repair done on the item. Unfortunately, he had finished paying it off and I still couldn't help - which sucked because I was impressed by his research.

I can't find any such thing (as I now how a problem with my phone) and I was just wondering if anyone here had ever come accross this?

No worries if not. I've trawled through the Consuer Rights Act and the Consumer Credit act - but there's that much in there that even if this information does exist, I've either missed it or I'm looking in the wrong place

Kind regards
Smeep

Adding to Rome's comment above, what is the actual issue with the phone? Eg. has it failed from an engineering perspective, or has it been accidentally damaged? What is the nature of the malfunction/damage? If the battery has exploded you can probably argue that is an inherent defect and will potentially win, if you dropped in on the floor, down a toilet or jailbroke it now it will not work then that is on you.

Smeep

Cheers for the reply, I'm pulling on memories from quite some time ago so the details could be a little foggy.

Was this bit really necerssary?

"I'd be more impressed with his ability to talk out of his backside and fool you into thinking he knew what he was talking about than his research."

Either, got the answer I was looking for - thank you.

ItsComingRome

Smeep said:

Cheers for the reply, I'm pulling on memories from quite some time ago so the details could be a little foggy.

Was this bit really necerssary?

"I'd be more impressed with his ability to talk out of his backside and fool you into thinking he knew what he was talking about than his research."

Either, got the answer I was looking for - thank you.

I don't see why not.  It wasn't really anything negative aimed at you, it was pointing out that his research wasn't impressive, because it was a load of old hokum. What was impressive was his ability to convince someone he knew what he was talking about.

Smeep

Whatever floats your boat.

You mentioned about a service agreement, vs a credit agreement.

If I'm paying for my phone seperately to my phone bill (It's two seperate charges, two seperate totals etc.)

Would the service agreement not be the "airtime" bill and the phone on credit?

born_again

Smeep said:

Whatever floats your boat.

You mentioned about a service agreement, vs a credit agreement.

If I'm paying for my phone seperately to my phone bill (It's two seperate charges, two seperate totals etc.)

Would the service agreement not be the "airtime" bill and the phone on credit?

https://www.o2.co.uk/help/digital-services/jargon-buster

Just because you are paying for the phone over the term of the contract via a separate payment does not make it a credit account.