A few weeks ago, a consumer contacted us because of a huge problem they had got themselves into after buying things on credit from Supreme Furnishers. This customer had gone to Supreme a year ago and bought a microwave oven, a TV stand, and, he thought, a queen-sized bed all on a 2-year credit agreement. Shortly afterwards, he contacted Supreme because the bed hadn't turned up. Supreme told him that they had no record of him ever ordering a bed from them and only had details of the other items.
The customer then had a slight temper tantrum and told Supreme to take everything away. Bad move.
They came along, took away the goods he had bought, and he thought everything was settled. Well, he did until this year when he went to a bank to get a loan only to be turned down when the bank found he had been listed by Supreme with ITC.
When we contacted, Supreme told us that when they picked up the goods, the customer signed a "Voluntary Repossession Order". This stated that he acknowledged that he owed Supreme for the outstanding credit scheme payments, minus any resale value Supreme could get for the items.
The customer had just assumed that by returning the goods, he could just walk away from the whole situation.
Wrong.
