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AIBU?

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Original poster

No repayments taken ... what would you do

41 replies

Glitterzzz · 01/03/2021 14:44

Hi

Last year we applied for finance for our kitchen and it was approved. Kitchen installed and that side of things signed off.

However no payments have been taken from my DH bank account for the set repayments over 12 months which we signed up for ...

We contacted the finance company twice who can find no record at all of our application or account number . We have been told that by them a account would be created once the kitchen company put the request through for finance which they did and it was authorised .

It’s been quite a few months now and nothing. We can’t even get an account number for the finance account because according to them there isn’t one

What would you do now

OP posts:
Tal45 · 01/03/2021 15:43

Agree with PP, you don't want to not pay within the time frame due to their mistake and then find they charge you a load of interest. It might be interest free for 12 months or whatever and if you don't pay in that time a large amount of interest then gets added on. Have you contacted the kitchen company themselves?

binkyblinky · 01/03/2021 15:48

This happened to my dad with his double glazing. It was a fair few thousand pounds worth of work. They never asked for the money So my dad kept it in his savings account so he could pay when they asked for it, he even contacted them to tell them he was waiting to pay and they said they send an invoice and they came round to repair bad work. A year later still no invoice and my dad found out the company went bust. No record of the work being done so my dad had a full set of free windows, He tried to pay but nothing happened!

HollowTalk · 01/03/2021 15:58

The OP doesn't have to contact the kitchen company. The money was paid and the job has been done. It's the finance company who she's having a problem with.

Original poster
Glitterzzz · 01/03/2021 16:41

Thanks guys. The company is a very well known one and most definitely still running. My husbands credit report shows no mention of this approved finance which is also odd to us given the application and approval was made over 6 months ago... we have got a chunk of money aside that was meant for the kitchen repayments as we always intended to clear it off ASAP. it’s deffo not an agreement where you get the first 12 months with no payments ... it’s really really strange

OP posts:
VettiyaIruken · 01/03/2021 16:44

Put the payments into a savings account and write to them, tracked and signed for and keep a copy.

Ileflottante · 01/03/2021 16:47

You’ve chased them twice, I’d maybe stop chasing. 😬

Brainwave89 · 01/03/2021 16:47

You have spoken to them twice, so I would make a note of this. Bank the cash and wait for them to come back to you. Even when a debt is quite old, a creditor can still look to recover it so be prepared to pay it as and when they realise their error. However, having flagged it twice, I would not be chasing them any further.

BigPaperBag · 01/03/2021 16:50

I’m waiting with baited breath to find out who this company is so so can get a free kitchen 😂

MrsScarlett007 · 01/03/2021 17:05

It’s got to have something to do with the kitchen company not forwarding the correct details to the finance company. Wonder if it’s because they probably haven’t been fully functioning since November? Maybe their accounts have some catching up to do and eventually the error will come to light? Do you have a finance agreement set up with a reference number? Are all the bank a/c details correct?

I know the company I work for uses a finance company and usually, if there are any issues, the customer contacts us, so if I were you I’d try contacting the kitchen company direct, via email.

MagnoliaBeige · 01/03/2021 17:12

It doesn’t sound like you’ve contacted the kitchen company yet which is a little strange! They’d have a record of how you were meant to be paying and presumably can then chase up the finance company to get the wheels on motion.

Desmondo2016 · 01/03/2021 17:14

I honestly wouldn't do anything further other than save the money and plan a great holiday on it for 5 years time!

PenguinIce · 01/03/2021 17:20

Is it Homebase? I know of 2 people who have had this where payments did not start until 6-12 months later.

StoneofDestiny · 01/03/2021 17:55

Stop chasing - up to them now. Keep the money aside for when they eventually bill you.

Dontjumptoconclusions · 01/03/2021 18:32

We need a new kitchen too.. Which company is this Grin

(no seriously...)

Nameitychangity · 01/03/2021 19:26

I'm in exactly the same position just now with JD Williams. Bought two sofas in October, they were delivered in January, still no payment taken off. I chatted with online customer services shortly after purchase, who said the money would be taken when they were despatched, and it wasn't. I have chased them again on their Facebook page and left messages, but no-one has got back to me. I paid in full at time of purchase (not installments) so completely baffled why its not come off.

VikingsandDragons · 02/03/2021 15:16

Check your credit report too, see if anything has been registered on there (as well as the agreement itself, if it's showing as any payments missed)

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