Buying on credit? Seven times think.

The fact that banks can arrange to laugh lovers to buy on credit after 2008 we have learned a lot. And wishing diminished. However, incidents and puzzles occur not only in our Palestine. In a completely safe and law-abiding Britain as there are cases.
System purchases, loans and installment works here is very clear. God forbid you, however, to get into the gap in the crack, which is in any system.
Our history began in December 1998. Richard Derkin, a resident of the Scottish city of Aberdeen, went to the computer store network. He needed a laptop with a built-in modem. Suitable car cost £ 1,500.
Derkin paid £ 50 deposit, the remaining amount has issued a loan that the bank provided through the store. Coming home with a new computer, Richard Derkin discovered that he is good, but the main is not there. Without modem he could not connect to the Internet and receive e-mail.

Frustrated Richard Derkin packed computer and returned it to the store, thinking that this all exhausted.

Soon, the bank began to receive letters of recall on the payment of contributions. "What other fees! I returned the computer, store annulled installments! "- Outraged Derkin, and all the letters from the bank threw continue to cart.

Bank without receiving payment on the loan, referred the case to the national Derkina credit agency. This organization treated tens of thousands of daily trading firms, banks or financial institutions to learn - with whom they are dealing. Reliable customer or not.

The fact that the good name of Richard Derkina black mark appeared, he learned when he looked after the house in the subtropical Malaga for 300 thousand pounds and tried to take in the bank for deposit. The request was denied. Sorry, sir, but your credit rating ...

Derkin applied to the credit agency, find out the reason was furious and filed for bank in court. British court certainly fair to uncover the truth, protect the offended. The trouble is that the paper up to the court by lawyers. These highly qualified specialists for each hour of work take about as much as a whole day gets office plankton.

Derkin not give up. Lasted months, the account grew lawyers. Finally, in 2008, 10 years later, he won the case in Aberdeen. The judge determined the compensation of 116 thousand pounds.

The Bank, however, appealed, claiming that the store did not tell him the bank to cancel the installment of the loan and did not return. Contract and the sale contract and the loan - lawyers said the bank - are two different things. Cancel one does not automatically mean the abolition of the other.

Court overturned its decision on compensation. Derkin bit between their teeth. It was too late to give up and unprofitable. Accounts from lawyers for many years up to the level of a quarter million.

"The Guardian" wrote that the case reached the Supreme Court. Attorneys Richard Derkina received smart. "We protect the interests of not only our client - they said - but in his face all the consumers of the country, which may be in the same situation. With them will demand repayment of the loan on the goods they do not own »

To summarize - 16 years of litigation and bashing nerves (with the possible health effects), 250 thousand pounds spending on lawyers

With that money could buy 166 laptops.

At prices '98. And at current prices - all 300.

These 300 computers would be piled up to the ceiling.

In an apartment not enter.