Last year, I purchased several items from a furniture store including a 58-inch flatscreen TV, for P7,999. On May 25 an attempted break-in at my home resulted in severe damage to this TV. Confident that my warranty was still valid, I promptly contacted the store and was instructed to obtain a police report, which I did without delay and presented to their staff.
To my utter disbelief, I was informed by the store manager that they do not repair or replace customers' damaged electronics, despite the warranty still being in effect. This response is not only shocking but also completely unacceptable. It is clear that they have no intention of honoring its commitments to customers once it has taken their money. The claim that the warranty is void because I paid off my purchase earlier than required is utterly absurd and reeks of a deliberate scam.
I find it appalling that a company would engage in such deceitful practices. The assertion that early settlement of payments voids the warranty is not only false but also a blatant attempt to avoid responsibility and shirk their obligations to your customers. This kind of behavior is unacceptable and reflects a complete lack of integrity.
I demand an immediate resolution to this matter. They must either repair the damaged TV or replace it as per the original warranty terms. I will not accept any further excuses or evasions.
I'm sorry to hear about your experience. However I don't think I have any good news for you.
I'm not an attorney so I can't offer you legal advice but as speaking as a layperson, I suspect you don't have a case here. Firstly, there's a confusion between a warranty and insurance. A warranty normally only covers manufacturing faults, usually for a year after purchase. It doesn't cover damage caused after the purchase that is no fault of the supplier.
Also, the insurance that comes with hire purchase typically only lasts for the duration of the hire purchase period and while the item remains the property of the supplier. If you settle the contract early, the property then becomes yours and all the risks associated with ownership become yours.
I'm happy to contact the store for you but I suspect you'll be out of luck.
Is this right?
I have a problem with a furniture store. I took a sound bar radio I don't remember well that I took it last year or end of 2022. Then I started my monthly instalments which was P200 last year. Last May I had family matters as I was attending to my grandmother illness and I notified them so I didn't pay for my monthly instalments up until early this year. They took the radio from me and they have blacklisted me. I cleared my balance last month and they removed me from the blacklist. Now my question is, is it fair for someone to pay full price of a good that has been taken away from you? That have been sold out with less money I paid? How can I be assisted?
Unfortunately, this is another example of how hire purchase is often misunderstood and how it can go badly wrong.
One thing that's often overlooked and misunderstood about hire purchase is the first word in the title: 'hire'. It's called hire purchase because until you've paid the final instalment, you are just hiring the item you think you're buying. You don't own it, it still belongs to the store. That means that if you fall behind with your instalments, the store is entitled to repossess their goods without notice and without going to court. This was all agreed in the hire purchase agreement you signed.
The best thing you can do is to move on and do your very best never to buy anything on hire purchase again.
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