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Hello Peter my name is ***** ***** I will help you with this.
For now please let me know what is it you want to achieve please?
Hello Alex thank you for prompt reply
My objective is to pay £8,000 for the porch and not an inflated amount which involved a credit agreement which I did't want.
Indeed. What is the extra sum? Have you paid this yet?
The form filled in by the salesman is very complex and later when I checked found that I had signed up to a very long period of years to pay the agreement which would have amounted to over £20,000. And I wanted to pay cash (and still will). The annual credit rate was 26.%. So I feel that enith should re-imburse me to costs over the £8,000.
Did you try to cancel at all during a cooling off period?
I have so far paid £100 deposit to Zenith as requested on the initial visit of the salesman
Ok. When did you sign?
Does the order form have anything on it about cancellation or cooling off please?
I did not try to cancel the credit agreement as I had and still have some handwrittem notes from the salesmanwith figures of +£6840.00 and 8 monthly payments of £172.77p
Is there a cooling off period at all on the documents?
Yes. I received a letter from Barclays PF with this written upon it. It invited cancellation, but I was unaware of the costs of setting up the agreement and took the salesmans word that it wouldn't cost more than the £8. I was hoodwinked.
That is what he said £8,000?
Then you have a claim for breach of contract by false representation.
You should write to the finance provider as they are jointly liable under Section 75 of the Consumer Credit Act
Set out your position and also send a copy of letter to the porch company too
Yes I only have his word though the handwritten note starts with £8,000 and the figure which I have previously sent toyou.
They should investigate the matter
That should resolve it.
If it does not then you can sue both the porch company and the credit card company. This is breach of contract by false representation as I have outlined above. The test is this - has there been a statement which you have relied upon which induced you into the contract. If the answer is yes had it not been for that statement you would not have signed, then this us breach of contract. You relied on the statement of £8,000 which turned out to be false.
Can I clarify anything for you about this today please?
Yes Thank you. I hope to get a reply from the company eventually. Its a principal that I am argueing. I haven't been missold but harrassed into it. I trusted the young salesman but he had other objectives to follow. The Zenith company is an absolute shambles. A simple job which was poorly administered
Can I clarify anything for you about this today at all?
No and Thank you. Very prompt response. Worth £38!
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