Free laptop. Who's fault is this?

I don't know of the legalities, but to make it easier for everyone, it's best to just offer to pay up, but as for a discount for the inconvenience (you tried to pay them, but they failed to take the payment from you).

You could also offer to give the laptop back, then you could just buy a new (better) one for the same price you'll probably end up having to pay.

Main thing I've found, is don't just back down, keep asking for a discount, they usually crave eventually :p
 
I'm more surprised the debt has been sold on and they've not added a hefty chunk to what you owe, I'd either tell them to prove you owe them anything which if they've lost the forms they'll struggle to do or just tell them they can have it over the next 12months.
 
Westyfield2 said:
Pay them the amount the laptop originally cost (not a penny more and not a penny less).

If you want to be a **** pay it to them in 12 montly installments, but TBH as it's only £700 I'd just get on with it.
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Hardly being a **** :rolleyes:

It's their mistake and no way should you now suddenly be expected to magic up £700 instantly!
As others have stated tell them you will pay it off in 12 months as originally agreed, if they get funny tell them to see you in court.
I'd be exceptionally surprised if any court in the U.K would demand anything more, it's their fault so they are the ones that need to compromise NOT YOU!
 
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They're going to get the money. They presumably have the finance agreement paperwork which binds you to pay the agreed amount, but have lost the DD paperwork.

I would however be asking them to take the money at the same monthly amount they agreed because regardless of the fact she should have noticed, she hasn't necessarily got all the money to hand.
 
Ricochet J said:
Just to reiterate, my gf no longer owns the laptop. She sold it last year.
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She obviously needs to pay for it however NO way should a mistake on the sellers behalf mean that your sister is put into financial difficulties.
Also I'm pretty sure ANY debt company has to except a reasonable repayment plan under British law, just offer to pay it as originally agreed and what-ever you do don't pay a penny more!
 
BunnyKillBot said:
If they have lost the paper work, how do they know what the agreement was? I would challenge them to prove you owe them anything.
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UncleRuckus said:
You could be a complete ****** and ask the debt company to prove that you have a signed contract between the gf and the purple shirts.
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tom_e said:
I'm more surprised the debt has been sold on and they've not added a hefty chunk to what you owe, I'd either tell them to prove you owe them anything which if they've lost the forms they'll struggle to do or just tell them they can have it over the next 12months.
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Do this. If Purple Shirt (oops, almost missed out the T ;)) contacted you politely themselves, and stated they had screwed up then I'd have no problem paying, but when the first thing you hear about it is a debt collector demanding payment, I'd be as much of a **** as possible. I have a severe dislike for debt collectors. If they have - as they've confessed - lost the signed forms, then they have no proof whatsoever that you owe them anything, or even that there was any agreement in the first place.
 
My gf got off the phone with Lowell (the debt company). They've said the debt is on her credit rating. She'll struggle to get any future credit as long as the debt shows on her record. :rolleyes:

I think we'll go to the CAB.

It's likely that we'll fold, and pay it off asap. We would like as clean a sheet as possible on our credit reports as we're looking into buying a place.
 
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Telescopi said:
I'd offer to pay in 12 monthly interest free installments - just as per my agreement, not her fault they started it late.

I wouldn't try to get a discount but I'd not be happy with payment being demanded in full immediately either. Not too sure I'd be keen on it being sold to a debt collection agency either, if that is what has happened, quite unjustified in the circumstances.
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Agreed, you also need to check if its put a mark on her credit report
 
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