The Mustard wrote: » I hope his professional indemnity insurance is in order!
The Mustard wrote: » What does this have to do with professional indemnity insurance?
The Mustard wrote: » Whether the OP wants to take a chance regarding whether he gets sued or not, the credit rating is a different issue. This relates to the Irish Credit Bureau. My understanding is that only debts arising out of legal actions by lenders are recorded by the Irish Credit Bureau. I am assuming that DFS is not a lender here. Apart from the registration of a debt in the Central Office, (which I reckon is unlikely for the amount in question), I don't see how this is going to affect the OP's credit rating. The OP may be taking a chance, but he isn't a fool.
Bepolite wrote: » On thing your post reminded me of is that most of DFS' stuff is sold on credit. This might be where people are getting the credit thing from?
whomitconcerns wrote: » not really...advising people to ignore their contracts and agreements with a "Stick it to the man, sure they are big companies/banks and why should the ordinary person have to deal with any consequenses of their decisions." is pretty much as fundamental as Ireland's problems get and the advice you are giveing the OP.
howyegettinon1 wrote: » Yeah thats a good question, i had already called the bank to ask if they could and they told me they shouldnt but its a posibility and there is nothing they can do except maybe cancel my card. Also the sales man asked for the first and last 4 digits of the card, but just thinking now the middle 4 digits would be on the reciept from chip and pin, so i cancelled my card and moved all my money to another accout just in case they try something like that
Jimfo1970 wrote: » howyegettinon1 DFS are up €200 so they will hardly follow you. If the truth be known that's all the €1428 couch cost them anyways so I would not worry too much. I don't know how we all get brain washed in to buying from these large pressure retailers. I purchased from a large retailer recently who has since gone out of business and paid up front but got no couch.
goz83 wrote: » The op is being a sneaky coward. That's not an insult, it's a fact. Cancelling credit cards and the like. OP, it's still possible to draw funds against the card. This happened to me when i had a genuine dispute with a service provider and they had breached the contract. I had to charge back from a cancelled credit card on three occasions. I won each time, because i had the paperwork to prove they were in breach. In your case, YOU are in breach. DFS may be inflexible besterds, but the OP agreed to it and then put his tail between his legs, where there is ample room and took steps to hide the money owed to DFS.
lulu1 wrote: » Is it the done thing now to sign a contract when you buy a couch just shows how long it is since i bought a sofa
howyegettinon1 wrote: » Your having a laugh!! This is called thinking ahead, dont know about you but I dont have 1200 to throw away with the wind. Contract or no contract it's my money and im not handing it over that easy. If any one is sneaky it would be DFS who would try to withdraw funds from my account without my permision. What if I was on holiday in different counrty and they took my money for food and accommodation??? What then??
goz83 wrote: » I wouldn't buy DFS furniture and at €1200, I wouldn't expect much tbh. The quality of the furniture is not the issue though. The OP gladly paid a €200 deposit. A deposit is not a "Well ye can change yer mind and it'll be grand". A deposit is (see 2 for this context)https://www.google.ie/#q=define+deposit&safe=off
howyegettinon1 wrote: » I advised each time I am not buying this couch and I don’t have the money to pay for it, if you like to take legal action work away. 3-4 calls later I told them again I have no money and will not be buying the couch and to stop calling my phone as you are disturbing me.
daveohdave wrote: » So you're a liar as well as a cheat then?
goz83 wrote: » DFS have not been sneaky. YOU have been sneaky. If you really believed you were in the right, you would not have cancelled your card and would have applied for a charge back. But, you knew you were in the wrong and that you had signed a contract, so the bank would have backed the retailer on foot of the contract. You will probably get away with it in the end. But some of these collection companies can be right pests and you'll probably wish you had paid the money you agreed to pay.
Bepolite wrote: » Can we stop making out like DFS are at some massive loss here. All you have here is a store-manager not wanting a sofa sale dropping off his figures for the month.
