🚀 go-pugleaf

In January I bought a Sony DV Cam from Dixons, i was told buy now pay in
2002... duely bought said item for �1100, with a �100 deposit.....
Got the credit agreement thru from HFC Bank, and after reading it through it
suddenly dawned on me that all was not well.
Anyway cutting a long story short the deal was Interest free NOT buy now pay
later, i've gotta pay �35 month until December then they chuck a bill for
the final balance at me otherwise its onto interest payments!

"Loz" <l.dolan@NILSVILLEvirgin.net> wrote in message
news:sfYc7.15610$tq.1706855@news6-win.server.ntlworld.com...
> http://comet.earthserv.com
> Check out the above for more info.
>
> I'm interested in hearing of similar experiences before I write a serious
> letter of complaint.
>
> Bought a nice WS/TV at Comet, went to pay with plastic whereby I was asked
> if I wanted a store/finance card by which to acquire it credit instead.
> Please Note: Being the 24th March I already had 5 weeks credit on my
credit
> card. This was in my hand at the time.
>
> I declined because I'm the kind of bod who always settles the credit card
> bill at the end of every month and doesn't purchase anything unless the
> money's in the bank (mortgage the only exception). Don't believe in paying
> for time and like to keep it all tidy on one bill.
> I explained I already had 5 weeks credit in my hand - ah but this was more
> credit again it was argued.
>
> The words "6 months interest free credit" weakened my resolve and changed
> the habit of a lifetime, I was lead into an office where a member of staff
> extracted my financial details and had me sign the forms with the words "6
> months interest free credit" still echoing in my head. But apparently not
> mentioned anywhere in the paperwork, which I was not asked to read before
> signing and so trusted the situation.
>
> I received my first statement from the finance company - which showed
> interest had been charged. I rang the store and was told that this was
> normal and that the interest paid would be deducted from a final
settlement
> occuring within the six month period. Sigh of relief.
>
> Never comfortable with the situation, on receipt of my 4th statement I
> called to pay off all the outstanding amount. Interest WAS charged and the
> finance company claimed no awareness of any interest free terms.
> I rang the store and asked what was going on, who now told me the same.
> The paperwork I had signed made no mention of any interest free terms.
> They do offer these terms on some items but not the goods that I had
> purchased.
> I suggested then that it was a mistake on their staffs' part, I refer now
to
> my first paragraph and my endeavours to avoid this type of deal.
> The attitude from thereon was "You should have read what you signed" not
> "You can take trust in what our staff tell you". Suggesting that a term of
6
> weeks may have been mentioned but not 6 months.
> I explained my adversity to store finance/cards and my preference/attempt
to
> pay by credit card that would have allowed me 5 weeks credit anyway. 6
weeks
> being NO incentive whatsoever. Nothing wrong with my hearing either. But -
> 'no chance kiddo, we got your signature and that's all that matters'.
>
> It is my word against theirs obviously, but I know that I remember the
> situation well as I was in a cautious frame of mind throughout and not too
> comfortable with it. I remember how busy they were and how I had to walk
> around to find and wait for a busy salesperson.
> Their sales staff talk to hundreds of people a day, discussing thousands
of
> different goods and selections. I can see room for confusion occurring,
> especially on a busy shopping day as it was, and I suggested this to them.
> No chance, I was told.
> The customer is apparently always wrong at Comet.
>
> Most of all though - their attitude absolutely stunk.
> The manager, a David Neil was dismissive and avoided offering any
assistance
> as to a complaints procedure. His superior was 'uncontactable' and he
would
> suggest nothing other than that I was wasting his time and mine. He could
> not explain the implications of the paperwork I had signed even though he
> had a copy in front of him. Roughly translated as - the store manager
can't
> understand what the hell his customers are signing either!
>
> The bill has been settled interest and all, a bill that I would have payed
> in full immediately and without penalty but for the misleading information
> and false pretences.
>
> They had their chance though, I suggested that in the interest of goodwill
> they could waiver the amount of the interest as I was certain it was a
> mistake on their part that cost me, their customer, this money.
> The last laugh is on Comet, every time I walk right past their door to
line
> the pockets of their competition.
>
> Please approach these situations with
> caution!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
> Any responses, please also send privately if you wish for a reply.
>
>
>