Novuna Personal Finance

OnceUponADisney

I recently signed a credit agreement for a new kitchen from B&Q.  Delivery expected 2nd August with installation booked for a couple of weeks later.  The credit agreement stated first payment will be taken one month following the date of the agreement or, if later, the date of supply of the goods/services.  They have already taken the first payment more than two months before good are even expected.  Is there anything I can do about this?     

[Deleted User]

You could complain to the firm if it caused you financial problems, whether that would get a refund is not predictable

Ebe_Scrooge

As above, you could complain if the terms of the agreement explicitly state that the first payment would be taken on supply of goods.  The question is, is it really worth it?  It just means you'll start and finish paying for the kitchen a couple of months earlier than you were planning to - it'll not make any difference to the overall amount you pay.

OnceUponADisney

No, it won't make any difference to the overall amount, however, the planning and purchase of the kitchen was based around other events and I signed the agreement based on not being charged until goods had been received.  I hadn't budgeted for these payments to commence until after 2nd August.  Going forward I can budget for them, but I have had to dip in to savings which had been earmarked for something else to cover this payment.