Interest free credit, or maybe just free :)

The_blue

The_blue

The_blue

Soldato
Joined
25 Oct 2002
Posts
4,198
Location
Derbyshire
we took out 1500 quid on Ikeas interest free credit mid January, so far we have had nothing in the post from them and no money taken.....

If and when the catch up on me will they start the 12 payments from then or take a bulk payment to x months on the first go?

Don't want to ask them as i'm hoping they stuffed it up :) (long story involving dumb blond gal setting it up)
 
I'd get in touch. What happens when they ask you for back payment? I don't think ingnorance is an excuse. ;)

I may well be wrong, very wrong.
 
The_blue said:
we took out 1500 quid on Ikeas interest free credit mid January, so far we have had nothing in the post from them and no money taken.....

If and when the catch up on me will they start the 12 payments from then or take a bulk payment to x months on the first go?

Don't want to ask them as i'm hoping they stuffed it up :) (long story involving dumb blond gal setting it up)
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I'd get intouch personally but if your hoping they have stuffed up then why not put the money away that you would have been paying every month, then if they do what a bulk payment you have it and some interest on it too, to help you pay it off
 
Ikea are really really bad when it comes to taking your hard earned cash. Following story truly happened :-

Wife and I skip in to Ikea and buy 2 sofas to have delivered. Ikea tell us that they take the money whena deliveryu date comes up and then deliver the sofas. They fail to contact us for 2 weeks, then when we contact them they say they will take the money from our credit card and deliver. A couple of weeks pass....We telephone again and ask them to deliver. We are diverted to the "escalation manager", who apologies and tells us Ikea will pay for the cushion covers as compensation (about £200 quids worth). Sofa covers arrive. Still no sofas.
We complain again and ask them to take the monay and deliver the sofas. Eventually, after 2 more weeks, the sofas arrive.
We then realise they haven't taken the money....We call them three seperate times over 3 weeks and ask them to take the money.
They don't take the money.
We give up.
Upshot? They pay us £200 for two sofas. We don't feel guilty as we tried and tried and tried to get them to take the money.

Therefore, I would say to the OP, try contacting them but I doubt you will have to pay, they seem to prefer to give their furniture away.
 
The difference between Retsef and the OP though is they took out credit rather than paying so they actually owe the finance company rather than IKEA.

Did you put your direct debit details on the form? If you have, it's not unusual for them to just start taking the money out without contacting you first. It's up to you though, after 3 months if they are still not taking the money, its likely they have your direct debit/contact details wrong. The danger is that they may be putting each month down as a missed payment which is going to hit your credit rating.
 
kibblerok said:
get a copy of your credit report and find out if anything was set up or anyone searched it
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Thats a very good idea. If there's no search/account, you'll probably get away with it (Not that I would recommend doing that ;) )
 
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