We called Nisbets to ask if they offered a credit facility whereby we could pay for items on DD over a period of time, a HP agreement effectively! They replied that they could. we were offered a credit facility of £700 and bought items to the value of £1300 - we paid the rest up front. I then heard nothing from Nisbets for literally weeks. No invoice, no DD letter, nothing so i called them to chase up when they would be commencing with the DD. They advised that the full outstanding amount would be taken out on 15th july. I advised them that i was told we were allowed to pay the remainder in installments but was told that this wasn't the case! Had not recieved an invoice either. When i told them that we could not afford this and that we went with their company because the credit facility could be offered, they didn't want to know. Advisors w ignorant, arrogant, rude and insulting. I made further calls, expecting a call back within '5 minutes' that never happened, leaving me to constantly chase them about this issue. Then got sent a rude solicitors letter demanding payment before the day it was even due!! Rang up to find out why and was advised that they had decided to stop my DD facility as i told them the funds would not be available in full, however they failed to tell me they were stopping it?!? (Penny credit control) I have now logged a formal complaint to the finiancial services ombudsman as their tactics are seriously questionable... I thought the mis-selling of contracts was now highly illegal regardless of whether you have t's and c's. You put your trust in a company as big as nisbets but it has taught me a valuable lesson, you are better off buying from the little guys... To add insult to injury, the fridge we bought won't hold temperature. I have called regarding this too and as yet am still awaiting a callback. Still waiting for my invoice and still waiting some sought of human being at Nisbets to speak to me with some courtesy being that they are meant to be providing 'a service'.
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