Log in or sign up. It's FREE!
finance comapny and land of leatherLike this topic?
4 posts
• Page 1 of 1
finance comapny and land of leather
Back in 2008 i bought furniture from land of leather. It was on the interest free for the first year thing. I never paid within the first year because of a mix up when i was suppose to pay, Anyway there was a problem with the furniture and i wasnt happy with the quality of the leather so i was already in discussion with getting it replaced. In the long run they came and took the sofa back but still took the money out of my account for 3 months. After months and months of phone calls trying to get the money back i could no longer get through to the number so i kind of just left it and forgot about it. Today i receive a letter from a debt collecting agency looking for the money as they have been appointed to collect this debt.There is no debt, only they owe me €136. Im worried sick over this now, i have no proof they took the furniture back.... what am i suppose to do?
Re: finance comapny and land of leather
Who was the finace taken out with. Usually it's through a different company, you borrow the money from them and they pay Land of Leather. Your contract is with the finance company. It's usually a 4 yr contract with a clause that if you pay in full at the end of the 12 months you don't pay interest, if you are even a day late the years interest gets added on.
How many months was the agreement for, how many have you paid? If the agreement is with a different finance company you must inform them that the goods were returned and the agreement is to be cancelled. Did you get a different sofa as a replacement or am I Reading it correctly that you paid for over a year and have no sofa at all now The debt has been sold now to a debt collection agency so they own the debt. How much are they saying that you owe. Did you cancel the standing order? I would advise you to contact the debt collection agency and explain the situation and see what they say. Also contact land of leather, if the sofa was returned then they should have refunded the finance company. As far as I know the onus is on you to inform the finance company the goods have been returned and they cancel the contract and seek a clawback from the store. Pm me the name of the finance company, one I used to work for closed it's Irish office some time back, I'd say it's the one you dealt with.
Re: finance comapny and land of leather
Hey the finance was taken out with creative something... Yes it was over four months with the option to pay before 12 months interest free. The sofa was returned before the 12 months was over but they still went in to my account and took the money for 3 months without me noticing. So we were left with no sofa. I rang on numours occasions trying to get our 3 months back but nothing and then i just gave up . Ive tried to ring them but there is noone on the phone so i have to email them, however the debt collection agency have put the account on hold and they will contact them too.
Re: finance comapny and land of leather
The payments are taken out with a standing order so the bank will continue sending the company payments until you cancel it. The company would have had no access to your account to actually take the money.
It seems to me that the finance company are not aware that the sofa has been given back so the agreement is still active on their account and has gone into arrears. I'm surprised you haven't received letters and calls from their collections dept. If you sent the goods back for being faulty the agreement should have been cancelled (by you) and you would have been entitled to have your payments refunded. It sounds to me like you have paid a few hundred euro but have nothing to show for it? Wait and see what the debt collection agency have to say. What did LOL say when they took the sofa back? Contact a manager there and explain the situation. If the agreement hasn't been cancelled the LOL have gotten paid for the sofa from the finance company, still have the sofa and you are the one that lost out. If the agreement was cancelled they would have had to refund the money to the finance company who in turn would refund your payments. If I'm picking all this up correctly then you should be entitled to have all money you paid refunded.
4 posts
• Page 1 of 1
Who is onlineUsers browsing this forum: Asscher, moobride, mrspatpat, nohbe, SandyClaws, SorrentoWife and 52 guests |
Eric Ronan PhotographyEric's unique competitive advantage is that with most of his album packages you will receive a CD of your images in high resolution and no watermark. The Pearls Wedding BandThe Pearls are the hot new band with lead Singer Marlow. All day service, great rates. Available Now! Pure EventsAt Pure Events we provide a number of quality services, from full Wedding Planning to Chair Covers and Chocolate Fountain hire. Call 086 8146559 Michael Barry Chair Covers ExpressWe supply Chair Covers including ribbons for your wedding reception. More ribbons available on demand. TikiTano Beach Restaurant & LoungeThe venue of venues for that special day in Marbella. Sweet CreationsSweet Creations is based in County Wicklow, but designs cakes for all over Ireland. DJ Colin NortonExperienced wedding DJ offering a variety of packages Sandra GayerSoprano for all special occcasions - weddings, civila ceremonies, blessings. Call 087 7755 992 DC MediaIrish wedding films, part of DC Media, specialise in wedding videography with an eye for detail and emotion. Portlaoise Heritage HotelDesigned to reflect style, planned with meticulous care to deliver service excellence, The Portlaoise Heritage Hotel has earned itself the reputation of being the most sought after wedding venues in Ireland offering the outstanding qualities of a first class 4 * Hotel. U2R1 Wedding CarsAll our cars are immaculately presented and fully valeted inside and out for your special day. WAVEWAVE have a soulful funky acoustic sound and an extensive repertoire of classic hits from the 60's through to today. My Wedding PhotographyMy Wedding Photography ensures that your whole day is captured in detail from those key moments to those little details that make the day so special. Melos MusicMelos comprises of three singers, Feargal Harrington (tenor), Kristina Glasnovic (soprano) and Niamh Harrington (alto). Pretty as a PictureAnnounce your wedding in style with our beautifully crafted letterpress wedding invitations. BMB Films - Award Winning VideoBMB Films, an International Award Winning Production Company based in Limerick, Ireland, offering HD & broadcast quality tailored wedding films CT2 Suit HireCT2 are Dublin's leading, family run suit hire & accessories business. Nicola Young - Flute, Guitar and SingerNicola will craft a beautiful musical collaboration, merging classical, traditional and popular styles for your special day. Mimosa TrioMimosa are a versatile vocal and instrumental trio offering a huge range of music for your Church ceremony or drinks reception. Lisloughery LodgeSet on a beautiful site overlooking Lough Corrib, Lisloughrey Lodge is an idyllic boutique hotel venue for a Wedding day you will treasure forever. Beauty and the BrideSarah Hamilton is a professional makeup artist who specialises in creating the perfect look for your wedding day. Spanish Dream WeddingsSpanish Dream Weddings has managed over 150 weddings since 2007 and can now offer a little black book of the best kept wedding secrets on the Costa del Sol. Areas covered include Marbella, San Pedro, Benalmadena, Mijas, Fuengirola, Nerja, Estepona, Malaga City and some exclusive inland venues. www.DIYWedding.iewww.diywedding.ie is Ireland's first online store for making your own, unique handmade wedding invitations using our easy to use kits! Heights Hotel KillarneyAt The Heights Hotel Killarney, we care for and understand the importance of your special day. We can offer you assistance and advice on every aspect of your wedding day preparations with a dedicated member of our experienced team. Helen's PaperieHelens Paperie creates elegant timeless stationery which is exquisitely designed and lovingly crafted by hand, using luxurious papers, embellishments and ribbons. Lilies and PearlsWith over ten years experience as a Pastry Chef, and seven years of that experience working with Sugarcraft, Ann Marie is passionately committed to working with the bride and groom to design the wedding cake of their dreams. Fine Focus PhotographyAt finefocus I offer stunning and elegant professional wedding & portrait photography at affordable prices. DOUBLE COCKTAIL BAND & ALGARVE MUSIC AGENCYWINNER WOL Wedding Awards! TOP class wedding music with a personal touch for your Algarve Wedding. Bands, DJs, Traditional Irish, String Quartet, Harpist, Church singers and many more. Little Daisy FlowersAt Little Daisy Flowers, we pay big attention to those little things that say so much. Not just in the design of your flowers and the extra-special finishing touches we add to make yours original & unique, but what this means to you as a bride now and on your wedding day. We make choosing your wedding flowers not just special but easy and fun. Sacred SoundsIrelands most experienced wedding musicians available for your wedding ceremony and reception. Singers, string quartets, and more! |