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Main site > Forums > Household & Travel > Consumer Rights > SCS - Mis-Sold? Can't Cancel?
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    • User avatar
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      born again
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    • born again
    • By born again 14th Jan 20, 1:35 PM
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      What's this?

    born again
    • #2
    • 14th Jan 20, 1:35 PM
    • #2
    • 14th Jan 20, 1:35 PM
    Paid in full or deposit, balance on delivery or on finance?

    Sorry!

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      LilElvis
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    • LilElvis
    • By LilElvis 14th Jan 20, 2:10 PM
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      What's this?

    LilElvis
    • #3
    • 14th Jan 20, 2:10 PM
    • #3
    • 14th Jan 20, 2:10 PM
    There is no 14 day "cooling off period" or automatic right to cancel for purchases made in store so they did nothing wrong in not spelling it out to you. You should always assume that all sales are final and ask about any refund/ cancellation policy a store chooses to offer.

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      shaun from Africa
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    • shaun from Africa
    • By shaun from Africa 14th Jan 20, 2:16 PM
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      What's this?

    shaun from Africa
    • #4
    • 14th Jan 20, 2:16 PM
    • #4
    • 14th Jan 20, 2:16 PM
    “
    Paid in full or deposit, balance on delivery or on finance?
    Originally posted by born again ”
    How or how much they paid doesn't have any bearing on the lack of a right of cancellation.

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      Caz3121
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    • By Caz3121 14th Jan 20, 2:23 PM
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      What's this?

    Caz3121
    • #5
    • 14th Jan 20, 2:23 PM
    • #5
    • 14th Jan 20, 2:23 PM
    there are no cancellation rights for goods purchased in store. Some stores offer goodwill change of mind refunds but there is no legislation for them to do so. The default position for items purchased in store would be non-refundable unless faulty or advised otherwise.
    If you needed to know whether cancellation would be possible you should have asked the question.

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      davidmcn
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    • By davidmcn 14th Jan 20, 2:24 PM
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      What's this?

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    • #6
    • 14th Jan 20, 2:24 PM
    • #6
    • 14th Jan 20, 2:24 PM
    “
    (Thought I'd have a 14 day period to cancel)
    Originally posted by beckyH ”
    Why did you think that?

    As above, you don't have any general right to change your mind about things you buy in store. Retailers do not need to explain that to you every time you buy something.

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      born again
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    • By born again 14th Jan 20, 3:45 PM
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      What's this?

    born again
    • #7
    • 14th Jan 20, 3:45 PM
    • #7
    • 14th Jan 20, 3:45 PM
    “
    How or how much they paid doesn't have any bearing on the lack of a right of cancellation.
    Originally posted by shaun from Africa ”
    Did I say it did?

    If they paid on finance then you do have a 14 day cooling off period on the finance. Even if in store.

    How that would effect the sale is another matter.

    Sorry!

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      shaun from Africa
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    • By shaun from Africa 14th Jan 20, 3:56 PM
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    shaun from Africa
    • #8
    • 14th Jan 20, 3:56 PM
    • #8
    • 14th Jan 20, 3:56 PM
    “
    Did I say it did?
    Originally posted by born again ”
    So why ask?

    “
    How that would effect the sale is another matter.
    Originally posted by born again ”
    Cancelling the finance agreement (if there is one) has no effect on the contract of sale. All it would mean is that the money would be due now rather than at a later date.

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    • #9
    • 14th Jan 20, 4:06 PM
    • #9
    • 14th Jan 20, 4:06 PM
    Being resolved.
    Last edited by beckyH; 14-01-2020 at 5:44 PM.

    Sorry!

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      davidmcn
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    • By davidmcn 14th Jan 20, 4:12 PM
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      What's this?

    davidmcn
    “
    My main issue is that we did not get told that we wouldnt be able to cancel it.
    Originally posted by beckyH ”
    Like I said, there's no requirement for retailers to remind you every time you buy something that you don't have a general right to cancel.

    “
    The process in store is not great - there are no T&C's until after you sign? And you're signing against what the sales person has said rather than reading it on the iPad?
    ”
    And do any of the T&C's make a difference to the general principle that you can't cancel?

    “
    Main issue is it should've been read to us that we can't cancel
    ”
    Why do you think that?
    “
    Surely if we physically cannot take the sofa then we can cancel?
    ”
    No, that doesn't make a difference to it.

    Sorry!

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      waamo
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    • waamo
    • By waamo 14th Jan 20, 4:51 PM
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      What's this?

    waamo
    Try negotiating something with them. Currently, if you cancel the credit agreement, they have your deposit and nothing else.

    To get more they are going to have to sue you. That doesn't necessarily mean they will get anything. They might be willing to accept something rather than risk court and getting nothing.

    This is not a strategy I would recommend for the faint hearted though as it does carry the risk of you having to defend a court claim.

    Be nice and polite initially and try appealing to their good nature in the first instance and see what happens.
    This space for hire.

    Sorry!

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      Fosterdog
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    • By Fosterdog 14th Jan 20, 5:01 PM
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      What's this?

    Fosterdog
    “
    Try negotiating something with them. Currently, if you cancel the credit agreement, they have your deposit and nothing else.

    To get more they are going to have to sue you. That doesn't necessarily mean they will get anything. They might be willing to accept something rather than risk court and getting nothing.

    This is not a strategy I would recommend for the faint hearted though as it does carry the risk of you having to defend a court claim.

    Be nice and polite initially and try appealing to their good nature in the first instance and see what happens.
    Originally posted by waamo ”
    The problem with that is that the finance company are most likely separate to the SCS, I know they used to use creation finance but unsure if they now have a different provider. Essentially the finance company have already paid SCS in full for the sofa and OP will now legally have to pay back that loan.

    Sorry!

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      Jonathan Kelvin
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    • Jonathan Kelvin
    • By Jonathan Kelvin 14th Jan 20, 5:12 PM
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      What's this?

    Jonathan Kelvin
    “
    Hi, we paid a deposit of £100 odd pounds and the rest is on 0% finance.

    My main issue is that we did not get told that we wouldnt be able to cancel it. The process in store is not great - there are no T&C's until after you sign? And you're signing against what the sales person has said rather than reading it on the iPad? Main issue is it should've been read to us that we can't cancel - and it wasn't.

    Surely if we physically cannot take the sofa then we can cancel? We have said they can keep our deposit or take a percentage of the value! It's not due for delivery for another 3 months! Any help greatly appreciated
    Originally posted by beckyH ”
    Why would they tell you about rights that no-one has when buying a sofa? How could they know that a customer had assumed a nonexistent right that they should be told about?

    Sorry!

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