🚀 go-pugleaf

GH <mrblonde@YourBra.sundissential.co.uk> wrote in message
news:DQZc7.12819$pv6.800377@news1.cableinet.net...
> 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!

Are Dixons associated with Comet as well? Just so I know who to avoid in
relation to this incident.

> "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.
> >
> >
> >
>
>