beware this mail order trap
June 18, 2007 12:47pm CST
I have just read an article whereby somebody had ordered goods from a catalogue just before she closed her account because she was getting married and moving house. Several years later a debt collector chased her for a considerable sum of money and her name appeared on a credit black list. It seemed that when she had bought the goods ( a camera ) an insurance policy was also processed, which by the time it was sent to her, went to the house where she no longer lived. The company spent all that time chasing her and she had great difficulty in getting this debt quashed, the catalogue eventually agreed she did not owe it and she also had great difficulty getting the matter removed from her credit rating in spite of the fact that the catalogue agreed that she left her account perfectly in order and owing nothing. So, the moral of the story is read the small print and check that you are not agreeing for the firm which sells the goods to take out extended warranty, insurance or any other item, or you too could end up with this sort of muddle to sort out. I could not believe my eyes when I read the article, and yes, it was news to me and YES I am going to be very, very careful to avoid that particular trap in the future. I hope this post helps others to avoid it too.
20 Jun 07
Apparently all this is in the small print but as you know almost nobody reads the small print. She paid for everything she had bought, they set up the insurance and charged her after she had moved and the rest just snowballed. is scary. puts me off mail order!
21 Jun 07
It is pretty bad, all that time too, why not just cancel the policy when she didn't pay it, some companies are pretty unscrupulous. I do mail order for clothes if they ever arrive and ooks but big things we go and get from the shop usually. I have bought my new bathroom suite on-line ut that kind of thing doesn't tend to have much more than a guarantee. It comes next week, yippee.
21 Jun 07
Yup, I think the catalogue company think they were a teensy bit remiss too now that the story has been all over the Sunday Mail! I was horrified as I really did not realise that could happen. I never take out the insurance as the legal guarantee actually covers the goods and if they break down outside of the legal quarantee they are usually out of the warrantee time anyway. Oh, bathroom suite, what colour, or have you put that into a different post?