Hilary's Blinds (Buy now pay later) - Agreement cancelled by Hillary's

Deankn

Hello, 

I ordered some Blinds to be installed in my new home from Hillary's, and my girlfriend applied and signed an agreement through Novuna as a buy no pay later agreement (9 months).

2 Months after installation of these blinds, her agreement was cancelled from Hillary's due to an error on their end, something to do with the order from the surveyor, I am not quite sure though since their Customer Service was not very good at explaining.

This week, I have had phone calls and emails from Hillary's, them telling me to sign the agreement again (even though it was never me who signed the initial agreement) or pay the account in full, which I defo cannot do. 

I am hesitant to sign the agreement myself since I have just moved into a new home (Mortgage), a new car (PCP), new phone (contract), and also had fitted wardrobes put in (another finance agreement), so my credit history has taken a bit of a hit recently due to the amount of things i have done in a short period of time. My credit history was generally pretty good (980 on clearscore / 999 on Experian), but both have gone down around 100 in the last month, and dont really want anything else affecting my score further, hence why my girlfriend taken on the agreement initially. 

Is there anything I can do, or someone I can speak too?

I have had a horrible experience with Hillary's blinds over this, and off point, but even during installation, their fitter stole £1,000 in cash from our bedside table, which I cannot prove! Personally, I just want them to come take the blinds away at this point, and not have to deal with them.

Thanks for any advice!

The_Unready

Why can't you girlfriend resign the contract?

Deankn

She can do, she doesn't really have much credit history though, since she never really had any loans/credit cards/contracts etc, so even though the first application was successful, she is also hesitant and doesn't want it to land on me.

It's not exactly a resign of the initial contract, it's an entirely new one, having us to go through an application / 3month bank statements / hard search again.

Alderbank

Deankn said:

Is there anything I can do, or someone I can speak too?

It's not your debt.

Your girlfriend can, and should, phone the lender Novuna to find out what the problem is.

Brie

It's your house but your girlfriend is funding some of the fixtures and fittings?  I'd suggest she doesn't sign anything more as it could not work out well for her.  Or perhaps there's a lot more to this that isn't being mentioned.  (sorry - seen people, women in particular, get into debt this way and there's little comeback)

Grumpy_chap

Deankn said:

Hello, 

I ordered some Blinds to be installed in my new home from Hillary's, and my girlfriend applied and signed an agreement through Novuna as a buy no pay later agreement (9 months).

2 Months after installation of these blinds, her agreement was cancelled from Hillary's due to an error on their end, something to do with the order from the surveyor, I am not quite sure though since their Customer Service was not very good at explaining.

This week, I have had phone calls and emails from Hillary's, them telling me to sign the agreement again (even though it was never me who signed the initial agreement) or pay the account in full, which I defo cannot do. 

I am hesitant to sign the agreement myself since I have just moved into a new home (Mortgage), a new car (PCP), new phone (contract), and also had fitted wardrobes put in (another finance agreement), so my credit history has taken a bit of a hit recently due to the amount of things i have done in a short period of time. My credit history was generally pretty good (980 on clearscore / 999 on Experian), but both have gone down around 100 in the last month, and dont really want anything else affecting my score further, hence why my girlfriend taken on the agreement initially. 

Is there anything I can do, or someone I can speak too?

I have had a horrible experience with Hillary's blinds over this, and off point, but even during installation, their fitter stole £1,000 in cash from our bedside table, which I cannot prove! Personally, I just want them to come take the blinds away at this point, and not have to deal with them.

Thanks for any advice!

How much is the value to be paid for the blinds?  
The order for the blinds and the finance agreement are two separate agreements.  If the blinds have been installed and to specification, there are probably no grounds to cancel that order after the event.  (Different if the blinds are faulty.)
Why can't the BNPL be processed again, either in your name or your partner's name?
Or, can you pay for the blinds using interest free CC?

Did you report the theft of the £1k to the Police?
Did you report to the Fitter at the time and / or Hillary's at the time?
Did you claim for the loss on your household insurance?
Irrespective of any of the above, have you learnt the lesson about leaving valuables and unknown persons together?