My girlfriend had a photoshoot done & got the pics on interest free credit...

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LiamC

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...payment plan. What are her rights? My girlfriend and her friend went to London for a photoshoot that she had 'won' . They had all their makeup and hair done and then had photographs taken in different outfits. This lasted for several hours, and they were then sent away for a couple of hours whilst the people 'prepared the photographs'. They were told to collect as many names and addresses as she could of people who may want a makeover (this is obviously how they get people's details in the first place). The more names they got, the more of a discount they were promised on purchasing the photographs. When they returned, they were pressured into purchasing photographs. The cost was £70.00 per photograph, and this was just on a DISC. The cost to have prints was even higher!!

She ended up spending £500.00. She said 'I don't have that kind of money' and the lady in the studio told her they offer interest free credit payment plan options. When my girlfriend informed the lady she didn't have a very good credit score, the lady said 'oh don't worry about it, we won't tell anyone' and she signed up for the finance without being credit checked.

Now she regrets it and feels robbed. She's got to pay this loan for the next year in monthly installments, and all she has to show for it is a CD with a few photographs on it.

What rights does she have? Is there any way she can get out of this? And should they have signed her up for this without a credit check? It was all done properly with direct debit etc.

Thanks.
 
dont think the credit check business is crucial for such a low amount of money - however pressure sales is illegal.

consider contacting the company she 'won' the make-over for. Find out about the studio who took the pictures and see if there is a complaints department. BUT before you do that, contact Consumer Direct on 08454 04 05 06. they will tell you your rights as a buyer, how you approach the situation of contacting the company and what you need to tell them about the situation (they give you buzz words and legislation to quote) They open an 'account' for you where the record a summary of the problem, look into the company on your behalf and find out what the governing body is for complaints

keep paying the direct debit - you will be claiming the whole amount back anyway. C.Direct will also walk you through a small claims court procedure if needs be.

Best thing in this situation is to contact cons. direct, get advice - and tell your mrs not to allow herself to get pressured into these kinds of situations!!

luck, luck, luck!
 
i would check your consumer rights which would tell you if there is a cooling off period in which you have the right to change your mind.
if there is, as i suspect there will be, then i would simply send back the disc which is their property and cancel the agreement.
i may be wrong, so dont take my word for it but check it thoroughly first, probably at citizens advice.
cheers
 
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