Before delivery of the item purchased on credit, your bank will debit installments
You bought a computer, which you are paying on credit for. You will only receive it in a few weeks, and you will not start repaying the credit until it is delivered. However, the financial institution has already debited the amount of the loan maturities. Send him a letter to stop these withdrawals, based on the provisions of Articles L. 311-31 et seq. Of the Consumer Code. Warning: - check, when signing, that the credit offer mentions the financed good and that the sales contract and the order form mention that the payment is made on credit; - when signing the purchase order and the credit offer, do not inadvertently sign a delivery slip that would be “inadvertently” slipped into a bundle of various papers.
Dear,
On the occasion of the purchase of (nature of the provision of services or the good financed), I entered into a credit contract with your organization (contract references).
The delivery date has been set for (date) and therefore has not yet taken place. So I was surprised to find on my bank account statement that you started to withdraw the amount of the repayment deadlines, in contradiction with the provisions of articles L. 311-31 and following of the Consumer Code.
Not having yet signed a delivery slip attesting to the completion of this, it seems to me that this is an error.
I therefore ask you to please stop withdrawing the installments until the effective date of delivery.
Otherwise, I will be obliged to refer the matter to the competent court.
Please accept, Madam, Sir, the expression of my best regards.
(Signature) 67
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