Do they have a returns policy? Tell them it clashes with the rest of your decor unless you can get them to change their mind about the insurance.Cancelled order means no commission to sales person against reduced commission if you buy without insurance.I know which I would prefer but then again I don't work for DFS. Eric
You will probably find that the comission (and perks) for selling insurance is *much* more valuable than simply selling products. Certainly when I used to work for DSG stores Group many years ago that was the case.
It ain't no more mate ;)
Simon
Dear All,
Thanks for the responses.
Am I protected under the 'cooling off' period protection consumers generally have? My friends have been telling me about this but I don't know what this is - anyone help?
Methinks cooling off period only applies to purchases made over the phone / internet etc - see .
Dear All, I have just bought a 3 and a 2 seater sofa, and filled and signed a 0% credit agreement, 1st year free with debt being paid off in year 2 and
"Kermit" wrote
Oh very funny (not).
last time is studied it it was the case that if you signed the credit agreement on their premises it invalidates the cooling off period. If you signed it off the premises then you can use the cooling off period in the credit agreement. Some companies dont follow this law and allow you to have the cooling off period regardless.
Might have changed since then
Dear All, I have just bought a 3 and a 2 seater sofa, and filled and signed a 0% credit agreement, 1st year free with debt being paid off in year 2 and
3 by equal instalments. I also paid for a 5 yr anti-stain warranty but when I read the small print (yes after the signing ... doh!) its not worth the paper its written. Exclusions include everyday soiling resulting from normal use, unidentifiable stains, and basically I have concluded that I have wasted £145.00 and could have got cheaper cover on my contents insurance. I was told by the sales rep that I could not change my mind once I signed the agreement. Is this correct? The credit agreement is with Hitachi Capital regulated under the Consumer Credit Act 1974. Any help/advice appreciated. Regards Justin [uk.legal added]Have something to add? Share your thoughts — no account required.
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