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Author Topic: Dell, daylight robbery  (Read 1535 times)

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Elite Pete

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Dell, daylight robbery
« on: 26 February 2009, 22:02:54 »
I bought a PC of Dell nearly a year ago on 12 month interest free agreement and i've just called to pay it off before I get charge interest and the thieving barstewards want a £49 Early Payment Fee. I will never buy from them again >:(
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TheBoy

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Re: Dell, daylight robbery
« Reply #1 on: 26 February 2009, 22:04:11 »
Quote
I bought a PC of Dell nearly a year ago on 12 month interest free agreement and i've just called to pay it off before I get charge interest and the thieving barstewards want a £49 Early Payment Fee. I will never buy from them again >:(
Yup, a lot of companies are the same...
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jjleonard

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Re: Dell, daylight robbery
« Reply #2 on: 26 February 2009, 22:05:49 »
 :o :o

Cheeky barstewards. Mind you, how much extra would the interest be if you just left it on regular payments?

I agree though, if they offer an interest free payment period then charging an early payment fee is a bit of a cheek.
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Elite Pete

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Re: Dell, daylight robbery
« Reply #3 on: 26 February 2009, 22:10:27 »
Quote
:o :o

Cheeky barstewards. Mind you, how much extra would the interest be if you just left it on regular payments?

I agree though, if they offer an interest free payment period then charging an early payment fee is a bit of a cheek.
29.5% which isn't an option :o

If i'd have know I would have paid with my credit card which does have a genuine interest free period not that im tight or anything but you should take advantage of the offers ::)
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nick v6

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Re: Dell, daylight robbery
« Reply #4 on: 26 February 2009, 22:10:46 »
the trick is you don't pay the whole lot off
you leave about £40 or £50 then give it till your first payment is due and then pay whats left as your first payment to clear it

they can only then charge you interest on the outstanding balance which will be £40 or £50
so you will probly only pay a few quid interst and no early settlement
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Seth

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Re: Dell, daylight robbery
« Reply #5 on: 26 February 2009, 22:16:56 »
Welcome to Credit Crunch Britain - robbing mothers!
I took the plunge and bought a Mac direct from their Applestore. Absolutely top-notch service, no problems whatsoever, and very happy with it. Finding it much faster all-round than a PC. Highly recommended.
« Last Edit: 26 February 2009, 22:18:25 by Reliance505 »
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Marks DTM Calib

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Re: Dell, daylight robbery
« Reply #6 on: 26 February 2009, 22:18:20 »
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Welcome to Credit Crunch Britain - robbing mothers!
I took the plunge and bought a Mac direct from them. Absolutely no problems, and very happy with it. Finding it much faster all-round than a PC. Highly recommended.


Your the first person in the last 2 years I have heard say that.....are you comparing like for like?

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jjleonard

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Re: Dell, daylight robbery
« Reply #7 on: 26 February 2009, 22:23:16 »
Quote
the trick is you don't pay the whole lot off
you leave about £40 or £50 then give it till your first payment is due and then pay whats left as your first payment to clear it

they can only then charge you interest on the outstanding balance which will be £40 or £50
so you will probly only pay a few quid interst and no early settlement

That's a bloody good idea... I never thought of that.  :y
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Elite Pete

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Re: Dell, daylight robbery
« Reply #8 on: 26 February 2009, 22:24:48 »
Quote
the trick is you don't pay the whole lot off
you leave about £40 or £50 then give it till your first payment is due and then pay whats left as your first payment to clear it

they can only then charge you interest on the outstanding balance which will be £40 or £50
so you will probly only pay a few quid interst and no early settlement
Are you absolutely sure about this :)
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Kevin Wood

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Re: Dell, daylight robbery
« Reply #9 on: 26 February 2009, 23:55:55 »
Quote
Quote
the trick is you don't pay the whole lot off
you leave about £40 or £50 then give it till your first payment is due and then pay whats left as your first payment to clear it

they can only then charge you interest on the outstanding balance which will be £40 or £50
so you will probly only pay a few quid interst and no early settlement
Are you absolutely sure about this :)

You'll probably find that the early repayment fee is invoked as soon as you pay more than the agreed installments. Have a look what the small print says. :-/

Kevin
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Mr Skrunts

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Re: Dell, daylight robbery
« Reply #10 on: 27 February 2009, 00:32:32 »
All areements hve small print some where to rip you off, even the 0% and pay nothing for a year offers and then pay over 4 years.

Theyare all a con, have you ever managed to read the small print before signing.  Exactly. :-X
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Gaffers

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Re: Dell, daylight robbery
« Reply #11 on: 27 February 2009, 05:59:56 »
Why dont you pay all but 10p on the balance.  At 29% APR you're first payment would be around 13p  :y
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nick v6

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Re: Dell, daylight robbery
« Reply #12 on: 27 February 2009, 07:16:29 »
Quote
Quote
the trick is you don't pay the whole lot off
you leave about £40 or £50 then give it till your first payment is due and then pay whats left as your first payment to clear it

they can only then charge you interest on the outstanding balance which will be £40 or £50
so you will probly only pay a few quid interst and no early settlement
Are you absolutely sure about this :)

yes i'm sure
when i did sales for coldseal windows and safe style
i used to do alot of finace with the buy now pay later
and i used to get more commision if i sold finace so i used to tell all the people that wanted to pay cash to have the buy now pay later and its a loop hole in the finace to not pay the whole lot off leave a small amount it will then get paid off on the first instalment :y
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nick v6

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Re: Dell, daylight robbery
« Reply #13 on: 27 February 2009, 07:18:01 »
Quote
Why dont you pay all but 10p on the balance.  At 29% APR you're first payment would be around 13p  :y

don't quite work that way ;D

you have to leave about the amount of your instalments or a little bit less so its cleared on the first payment
the only interst you get is of what balance is remaining
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Martin_1962

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Re: Dell, daylight robbery
« Reply #14 on: 27 February 2009, 09:49:10 »
Quote
Quote
Quote
the trick is you don't pay the whole lot off
you leave about £40 or £50 then give it till your first payment is due and then pay whats left as your first payment to clear it

they can only then charge you interest on the outstanding balance which will be £40 or £50
so you will probly only pay a few quid interst and no early settlement
Are you absolutely sure about this :)

yes i'm sure
when i did sales for coldseal windows and safe style
i used to do alot of finace with the buy now pay later
and i used to get more commision if i sold finace so i used to tell all the people that wanted to pay cash to have the buy now pay later and its a loop hole in the finace to not pay the whole lot off leave a small amount it will then get paid off on the first instalment :y


Which era?
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