You can bank on loan help
I added a conservatory to my house and took out finance over four years to pay for it. But, three months in, the windows are sticking and I can’t get the company to fix them. Is there anything I can do? Yes, if the finance is connected to the purchase. If this is the case, and you haven’t simply taken out a personal loan, the bank are jointly and severally liable. If the firm won’t address the issues, the bank will if you lodge your complaint in writing. Ilivein myrear a flat and ka overloo s window .Butshe garden our’s toclean neighb access me togive untilshe’s refuses waiting installe d. havetried them.I hasCCTV ary shenow tempor to outbut entitled Iam job? Surely todothe deeds. access your title of r liesin detail answe include The they’ll neighb our’s It is likely over the speak to a access doubt, land. If in check who’ll , . lawyer deeds the
But Annie Johnstone thought she couldn’t lose as the salesman insisted it would save her thousands on future energy bills.
Instead, her bills stayed the same, the f irm went into liquidation and she has been battling ever since to get her money back.
Annie, 84, said: “The salesman came to my house and was very persuasive. I did sign up but, when I realised what I’d done, I tried to cancel the very next day.
“I could have bought a new boiler and radiators for that money.
“But he told me I’d lose all my cash if I pulled out. I wish I’d never set eyes on him.”
Superseal Home Improvements, based in Hillington Park, near Glasgow, cal led at Annie’s home to tel l her about the energy-saving device.
She said: “The rep said the magic box was a heating management system which could deliver savings of up to 50 per cent on my bills.
“It apparently increased the flow of water to the radiators.”
She had a cooling- off period and was entitled to cancel by law but, when she did that, Superseal responded by sending another salesman.
Annie said: “He reduced the price by £1900. I felt pressured into buying.
“I paid a £ 2000 deposit by cheque and the rest was on finance.”
Superseal signed her up to an agreement with Hitachi Capital over 87 months.
It meant she would be paying back £ 8975 over the term of the £ 4000 loan.
At the time, Superseal were run by businessman Kenneth Webster and his wife Christina.
But they both resigned and Angela Donohoe took over as director in November 2017.
Annie, of Dumfries and Galloway, cleared the loan in 2013 to avoid interest.
She later asked her