Hello, hoping someone can help..
I ordered a few days ago a sofa from a large company. Signed up for the 4 years credit etc. he was getting all the paperwork when he handed me a computer to listen to all the t&c. I was trying to control toddler dd at the time so wasn't giving it my full attention (my fault I know). Got text that night to say credit accept etc. next morning due to personal circumstances i realise that I can no longer afford this couch and I call the shop to try cancel the order. Sales advisor I dealt with not in and told he would call me the next morning. Nothing the next day so I phone again and tell him that I wish to cancel my order. Straight off he says I can't. I tell him that I simply can no longer afford this couch and I'm asking that it be cancelled. Said he would need to speak to his boss and will phone me back.
Finally a few days later, I finally manage to speak with him. He says unless that I now have proof that I can't afford this, I can't cancel. I ask him what my options are. He says that as the couch is already in production, he can try to see if anyone else has ordered the same one and he can pass it onto them and in 6 months time, I go down to the shop again and look for something else. He says I will have an 'account' with them through the form of the credit account that was first created. They will honour the couch I picked if at the time they no longer offer it or I can pick something else if my needs have changed.
The t&cs of the credit agreement state that I can cancel it within 14 days no questions asked. If I get the shop to agree to the above suggestion in that they pass that couch to the next person to order it and I go back when I'm in a financial position to order again, can I phone to cancel finance and just never go back to order anything? They way I see it I simply have a credit account created but nothing is ordered so if the credit it shut down then there is no contract with the sofa shop?
Before anyone says it, yes I know this was all my fault. It's the first time I've ever bought a sofa from a shop, and I guess I just assumed that these things had a 'cooling off' period.
Btw, regular with just a nc.