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I recently brought a Tumble Dryer from a local company, they let people pay for things over 10 months interest free. About 3 months ago i went in to make that months payment and they told me that there was only £15 pounds left to pay, so i paid off the r

Supplement from 01/15/2007 11:59am:
remaining £15. however 2 days ago i recieved a letter saying that i was behind on my payments, so i went in and told them that i had been told that there was only £15 left which i paid.

The person that i spoke to look on the system and insisted that i still had £40 to pay. I asked how this was possible as i had previously been told by a staff member that there was only £15 left.

They informed me that they have a new till system and due to lack of training customers had been given the wrong, information.

Do i still have to pay the £40 as it was their mistake?

asked in credit, payment, rip off

duffield1 answers:

Please supplement your question - it has become truncated by the word limit! Hit "Supplementary question" to finish it off!

Supplement from 01/15/2007 12:10pm:

I'd say that yes, you have to pay it. You agreed to buy a product for a set price, and the store offered you an interest free scheme to facilitate this, so unless you had received a letter telling you that your payments were complete, you don't really have much evidence that they said that the account was now closed.

I'd be tempted to suggest to them that since they had made a mistake - and that they will be able to see that you actually paid one payment before it was due (or at least an extra £15 that you wouldn't normally pay) that they let you restart payments now, without any late payment charges or penalties.

But I do think that you should be obliged to make the remaining payments.

Sorry - that's probably not what you wanted to hear!

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englishdanny answers:

You will probably have to pay because I suspect that when you took delivery of the goods you signed an agreement regarding the credit installments. The poorly trained staff member gave you a verbal confirmation of your balance (Which was clearly wrong).

The retailer will have a copy of the original agreement which you can be sure they will use as the sole form of reference. Unfortunately the verbal conversation won't hold any legal weight.

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TallScotsGuy answers:

I agree with the 2 earlier answers. The original documentation is the one to go on...not what was said.

One thing though, if they try to charge you any penalties for missing a payment then you should challenge them on the grounds that you were told the payments had finished.

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cairina.moschata answers:

Not really a "rip-off" is it? You thought you'd got away with it but you haven't. Pay the people, you have the value of the machine let them have the money that is rightfully theirs.

Supplement from 01/15/2007 02:30pm:

btw, I have removed the 'rip-off' tag.

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