The baboons did it! Good day sir. I really need your help and advice. I bought a TV at from a furniture store on a hire purchase contract. Unfortunately yesterday the baboons entered my house. I tried chasing them but the other one hit the TV and broke the screen. The lady from the store is saying they can never help me. Can you help?
One of the few good things about hire purchase is that it usually includes an insurance policy that covers you if the goods you’re buying are stolen or damaged in a fire or if you lose your job due to retrenchment. The details of each policy can be different, but they protect you if one of those things happens. It also offers protection for the store and that’s what they care about most. They want the money you promised to pay them and this will help them get it.
However, it all depends on the small print in the insurance policy. I’ve never heard of a claim for this situation before and you might think it’s reasonable that the policy covers damage by baboons. I’ll contact their Head Office and see what they say about this. I’m not very optimistic, but let’s see.
Why are they still deducting?
I desperately need your advice and assistance, I had bought a bed through high purchase at a furniture store in Maun. I cleared the debt in early February and the shop assistant sent the relevant paperwork stopping the direct debit order to their Headquarters. Surprisingly they tried to get the money but unfortunately I didn't have the funds in my FNB account. Consequently this led to negatives in my account and charges for lack of honouring stop order.
I lodged the complaint with the Maun shop where I bought the bed. They called the office and their feedback was really disappointing. They indicated that nothing has been done and the same thing is going to happen on the 5th of April. I am really hurt, I feel they are being unfair to me. Despite my visits to their office to make sure they stop the debit order, I received a text that threatened me for skipping a month therefore legal action will be taken against me and I should pay the outstanding amount.
It’s totally unacceptable that you are being treated this way. You cleared your debt two months ago and the payment should’ve stopped two months ago. I don’t think we shoud care about why they continued to deduct the payments from you, what we need to see is them stopping them immediately. We also need to see them repay you for the deductions they made improperly and all of the costs associated with this. They should refund any banking fees or penalties you have to pay and, just as importantly, they need to assure you that your credit record has not been affected by this in any way.
They also need to call off the debt collectors or lawyers. They have instructed to recover money from you. You don’t owe them any money so they have no excuse for bothering you about this. I’ve already contacted their Head Office about the situation and I’m waiting for their response. I imagine you’ll receive an apology from them and a refund for all of these costs very shortly.
If any furniture stores are reading this, it’s really important that they go away and look at the procedures they have. Their computer systems must be able to automatically stop the deductions when someone has fully repaid their debt. It shouldn’t require manual interventions by staff at store level. This should be automatic. It’s 2026 and consumers are entitled to expect better than this.
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