Is there anything we can do?
- Thread starter A[L]C
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Sounds like a nasty situation to be in.
First thing I would do is call Comet and explain to them the situation and say that since you are unwilling to keep paying, and so are the parents, that Comet should take their appliances back and see if this would cover the cost incurred. Offer to pay something like a small fine (say £100) in order to get this settled quickly.
First thing I would do is call Comet and explain to them the situation and say that since you are unwilling to keep paying, and so are the parents, that Comet should take their appliances back and see if this would cover the cost incurred. Offer to pay something like a small fine (say £100) in order to get this settled quickly.
whoa - proper bunch of fruit loops for parents!
Burn the house down, but save the fridge and stuff first
-- only joking.
As it has been said, the only way to get this sorted is to talk to them about it. Im sure they wouldnt want to see their daughter get into trouble coz of a stupid arguement?!
Burn the house down, but save the fridge and stuff first
-- only joking.As it has been said, the only way to get this sorted is to talk to them about it. Im sure they wouldnt want to see their daughter get into trouble coz of a stupid arguement?!
A[L]C said:so if they take the stuff back they wont have to pay it?
Yes, the Sale of Good act under HP and finance agreements state that if you do not make payments for goods bought, the supplier is entitled to have these goods back. In fact they remain their property until such time as the finance has been paid!
If you ring Comet (as above) and say that under the agreement you wish to return the goods, they are likely to say to you that you need to pay a penalty. Pay it...............it will save a whole world of pain!
A[L]C said:One thing ive just found out is that it has been passed to a debt collector
This is now serious
If the finance agreement is in your fiances name and address, they will be knocking on her door and either ask for payment or the goods.
I suggest you seek advice immediately, or contact Comet. Explain the situation and let them know that they can have the goods back.
Comet have now 'sold' the debt to the collection agency. They may say it is too late. You fiance will now have been registered with a Credit Reference Agency if DCs are involved.
I cannot stress to you enough that you must now either pay or offer either Comet or the DC the goods back. Seek advice from the CAB immediately.
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problem with dept collectors is they add there whack on top and its very high m8 so best to try and avoid that.
I would seek advice to find out if you could take the appliances back from her parents then use that to pay off some dept.
yeah yeah it leaves her mum/dad in the dog house but tbh they have been nasty very nasty so you have maid up so what.if they get angry about it then it proves they aint right any way and there heart is in the wrong place m8.
if i left me little one with someone who drank while baby sitting i would have done what you did end off.any parent would have done.
I would seek advice to find out if you could take the appliances back from her parents then use that to pay off some dept.
yeah yeah it leaves her mum/dad in the dog house but tbh they have been nasty very nasty so you have maid up so what.if they get angry about it then it proves they aint right any way and there heart is in the wrong place m8.
if i left me little one with someone who drank while baby sitting i would have done what you did end off.any parent would have done.
I've only speed read this but I work for Comet so maybe I can help.
For a start, the debt you have will be with GE Money, not Comet directly, they provide the finance services. Depending on when you made the purchase its probably 19.9% APR.
Now the fact that i'm on a Debt management plan with the CCCS (i know) means that I know that the so-called debt collectors you've been passed to are probably 'Viking Debt Collection Services' another department of GE Money , which is basically an indian call centre. Deal with GE directly as they are UK based (the number will be on your statement) and they will advise you best. The debt collectors don't add charges so don't worry, they are just there to get as much back as they can for the company.
Without sounding biased, and having debts with several creditors, GE are actually one of the better ones for helping their customers in situations like this.
As for speaking to Comet, well, I have worked in the stores for nearly six years and I can tell you now no store is going to take that lot back from you and cancel a credit agreement if you walk in there with that story. You have a loan, not a hire purchase agreement, so they won't accept used goods back.
You need to deal with the finance company directly, not Comet.
EDIT
Debt collection services are not the same thing as baliffs. This will not happen - don't worry. The worst that will happen is some iffy looking letters (also nothing to worry about) and some phonecalls from people that can't speak english properly. Even if you ignore them for about three months all they do is hand things back to the main GE office to start CCJ proceedings.
In your situation the best thing to do is to make small token payments (maybe 5-10 quid) to keep the account ticking over and like I said, talk to GE Money.
For a start, the debt you have will be with GE Money, not Comet directly, they provide the finance services. Depending on when you made the purchase its probably 19.9% APR.
Now the fact that i'm on a Debt management plan with the CCCS (i know) means that I know that the so-called debt collectors you've been passed to are probably 'Viking Debt Collection Services' another department of GE Money , which is basically an indian call centre. Deal with GE directly as they are UK based (the number will be on your statement) and they will advise you best. The debt collectors don't add charges so don't worry, they are just there to get as much back as they can for the company.
Without sounding biased, and having debts with several creditors, GE are actually one of the better ones for helping their customers in situations like this.
As for speaking to Comet, well, I have worked in the stores for nearly six years and I can tell you now no store is going to take that lot back from you and cancel a credit agreement if you walk in there with that story. You have a loan, not a hire purchase agreement, so they won't accept used goods back.
You need to deal with the finance company directly, not Comet.
EDIT
Oxbow said:
Debt collection services are not the same thing as baliffs. This will not happen - don't worry. The worst that will happen is some iffy looking letters (also nothing to worry about) and some phonecalls from people that can't speak english properly. Even if you ignore them for about three months all they do is hand things back to the main GE office to start CCJ proceedings.
In your situation the best thing to do is to make small token payments (maybe 5-10 quid) to keep the account ticking over and like I said, talk to GE Money.
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the thing is, this has been going on for ages and we didnt realise. I know we should have kept tabs on it but we thought it was dealt with and trusted her mum.
The debt is registered to her mums old address so we havent actually had any contact from the debt agency. They are actually called Lewisgroup.
What would happen if we just left it? Do you think they would finally find us? How would it affect my fiances credit rating? Would it go away (wishful thinking!)
edit:
Also, if her mum agreed, would we be able to transfer the debt over to her name?
The debt is registered to her mums old address so we havent actually had any contact from the debt agency. They are actually called Lewisgroup.
What would happen if we just left it? Do you think they would finally find us? How would it affect my fiances credit rating? Would it go away (wishful thinking!)
edit:
Also, if her mum agreed, would we be able to transfer the debt over to her name?
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A[L]C said:
Don't leave it, there is not a chance at all it will simply go away.
Talk to GE Money, not lewisgroup (which coincidentally are basically the same office) and explain the situation. The Consumer Credit Counselling Service have been very very good with giving me advice www.cccs.co.uk