Credit Refunded, charged again with no notice.

AaronFGriffiths

Afternoon all.

About 2 years ago, a sofa I bought from SCS basically fell apart, and they weren't playing ball. I had to refer the case to CDRL and alongside that I notified IKANO (finance provider) of the issues for them to also investigate as the prospect looked bleak.
Fast forward, after 12 months the CDRL adjudicated that SCS were in their right to repair. Fortunately for me scs couldn't abide by the terms of the decision, so I was given the opportunity to choose a new suite. This was discounted by the amount that I'd spent on the sofa in the first instance as compensation. About 4 months ago, IKANO notified me that they had reached a decision, understood that I'd taken a new sofa and opened a new line of credit. As such they also stated that SCS had refunded them, so they passed the payments made onto me minus remaining  credit balance and sent me a letter stating that my account was closed. It disappeared off my credit file and all was well. Now, come just under 2 months ago, an attempt was made to charge my account via direct debit which I cancelled and called to find out what was going on. Turns out that SCS have again charged the full original credit balance against the account which had originally been refunded and closed. This is in dispute now again, but is the absolute bane of my life right now. Its a pretty unique situation but does anyone have any idea where I stand here?

mattyprice4004

It's a little hard to follow, but ultimately if you received a replacement sofa then you still need to pay for the original or the replacement - work out what payments you've made so far, what they're asking in future and if that tallies with the total you spent in the first place it's fine. 

Manxman_in_exile

I can't really follow it either, but it sounds suspiciously like the OP got a replacement sofa from SCS at no additional cost, but then was reimbursed some of their original payments they had made to IKANO.

@AaronFGriffiths - obviously(?) you can't get a free replacement sofa AND ALSO have the payments you made for the original sofa refunded to you - if that is what has happened.  It's difficult to follow what you are saying has happened.

When you reached a resolution with SCS for them to supply you with a replacement sofa, did you not tell IKANO that it had been sorted out?

AaronFGriffiths

Apologies if it's not clear. Ikano communicated directly with scs, they were told what resolution had been made. No I haven't got a free sofa, I went for one that was more expensive and have a separate credit agreement for that with another company.

Geodark

But you are saying the new one was discounted by the amount you paid originally? so are you saying you were discounted how much you were paid and then refunded how much you had paid as well?

AaronFGriffiths

Geodark said:

But you are saying the new one was discounted by the amount you paid originally? so are you saying you were discounted how much you were paid and then refunded how much you had paid as well?

There or thereabouts. But just to be clear. It was SCS who actioned the refund. I accepted in good faith as I was assured that the refund came from their collective decision given they knew the entire situation and had all details of the investigation. The money landed in my account whether I asked for it or not.

Aylesbury_Duck

AaronFGriffiths said:

Geodark said:

But you are saying the new one was discounted by the amount you paid originally? so are you saying you were discounted how much you were paid and then refunded how much you had paid as well?

There or thereabouts. But just to be clear. It was SCS who actioned the refund. I accepted in good faith as I was assured that the refund came from their collective decision given they knew the entire situation and had all details of the investigation. The money landed in my account whether I asked for it or not.

Have I understood correctly, you essentially got a full refund for the first sofa, and paid a top up amount for the new one, it being more expensive?  Then SCS also refunded your finance provider.  Doesn't that mean that SCS have effectively refunded twice?

If I'm correct, and your latest post is worded in such a way as to suggest you know that somewhere there's been a mistake to your benefit, then SCS can correct that, and by commencing the direct debits, they are doing just that.

Claiming your complete innocence and good faith seems a little disingenuous if I've understood things correctly.  As to where you stand, SCS are entitled to reclaim monies paid to you in error.

pinkshoes

Sofa 1 failed, so you then chose Sofa 2.

Sofa 2 was more expensive, so SCS deducted the amount you paid for Sofa 1, and then you took out a separate finance agreement to pay the extra.

You were then were refunded any money paid for Sofa 1 and the finance agreement for Sofa 1 ended. 

SCS now want their money for Sofa 1 as it was agreed that this would be part deposit towards Sofa 2.

It's not really complicated. A mistake has been made and you have had money paid back to you that was not yours, so you just need to contact SCS and arrange to re-pay it and continue to pay until the balance for Sofa 1 is complete. Perhaps this could be added on to your new agreement for Sofa 2?

Manxman_in_exile

AaronFGriffiths said:

Geodark said:

But you are saying the new one was discounted by the amount you paid originally? so are you saying you were discounted how much you were paid and then refunded how much you had paid as well?

There or thereabouts. But just to be clear. It was SCS who actioned the refund. I accepted in good faith as I was assured that the refund came from their collective decision given they knew the entire situation and had all details of the investigation. The money landed in my account whether I asked for it or not.

So basically what happened is something like:

1.  You bought a sofa from SCS for, let's say, £1000

2.  The sofa is faulty and you agree with SCS that you can have a replacement.

3.  You choose a replacement sofa worth £1200.

4.  SCS knock off the £1000 you have already paid, so you only have to pay the additional £200.

5.  You have a sofa worth £1200 that you have paid £1200 for.

6.  You get your £1000 back from IKANO.

7.  Result: you have a £1200 sofa but have only paid £200 for it.

Is that what happened?  (I know it's not that straightforward because of the involvement of the finance company and payment by instalments, but if the above is approximately what happened, then you haven't fully paid for the sofa despite you thinking you have).

The confusion may be the fault of SCS but you still owe them - or IKANO - the money IKANO refunded to you.

AaronFGriffiths

What I'm disputing is the fact that no effort was made to contact me and a credit agreement has been set up again in my name without permission or even my knowledge.

Aylesbury_Duck

AaronFGriffiths said:

What I'm disputing is the fact that no effort was made to contact me and a credit agreement has been set up again in my name without permission or even my knowledge.

Why didn't you say so, instead of creating the distinct impression you want to wriggle out of paying at all, knowing you've been refunded twice.

So call them and arrange another means to pay what you owe that you're happy with.