Has anyone else been caught out by 12months interest free?
We purchased a suite Jan 07, we were offered the 12 month interest free option through BLACK HORSE, which we signed. The suite took 3 months for delivery, end of April 08.
We were under the illusion from the store that it was 12 months from the delivery date, but that's our word against theirs.
We were informed that Black Horse would send out a reminder with the payment slip prior to repayment. A letter dated 16 Nov 07 was sent, however this was received through our door MARCH 08, the postmark UK Mail Doncaster.
I wrote off to Black Horse stating my case, able to provide financial statements of the funds being available at that time for the suite's full purchase. They replied basically its not their fault the reminder was received late.
Black Horse have gained £337.00 through this, if the letter was received on time then they would have received nothing!
Many would say that it is indicative on you to remember these dates, but hold your hands up if you have never forgot a birthday, anniversary, oppointments etc.
Some cynics would smell a rat here! Just wondered if this scenario has happened with others.