SCS - Mis-Sold? Can't Cancel?

Fosterdog · 14 January 2020 at 6:01PM

waamo wrote: »

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.

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.

Jonathan_Kelvin · 14 January 2020 at 6:12PM

beckyH wrote: »

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

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?

SCS - Mis-Sold? Can't Cancel?

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