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Nan | I am renting furniture and I've made a total of $1,360 in payments. Are the lamps and tables mine? |
I am renting furniture and paying biweekly. I've made a total of $1,360 worth of payments. That exceeds the cash price the rental co. is charging for two lamps, and 3 end tables. I have not paid enough towards the sofa and loveseat. Am I entitled to keep the lamps and tables if I wanted to end the rental agreement? |
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geom1974
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There is no way anyone on yahoo answers can answer this question- read your rental contract or call the place you are renting the stuff from
wow. I got a thumbs down :(
sorry that I'm not telling you what you want to hear but last time I checked people aren't psychic and with the inadequate amout of info given I stand by what I said. |
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mike mann
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no, but if you really want to, you can just stop paying for it. they may send the cops, but if they do, just tell the cops it is a civil matter and they (cops) must leave you alone because it is a contractual agreement. if you dont open your door, or just tell the people to f'off, they really cant force their way into your house. if they are any good, they can go to a judge to sue you, but in many cases if you have paid the fair market value or the "cash price" they really wont pursue it, because they make money renting things not chasing people in court. if you do stop paying on it, it will eventually 2-4 months be "skipped" where they charge the item off and stop chasing you. the account may later be sold to a collection agency though. if you just dont want the sofa and loveseat, just put it outside, give them a call, and tell them to screw off when they try to collect the tables and lamps. they will probally skip you off for the merchandise, but wont really chase you for $300 worth of merchandise. you just wont be able to rent from the same company again unless you provide them with a fake ssn |
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Amanda H
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No. A very small amount of that goes towards the eventual purcash and the rest is the 'rental fee'. You'd have to calll them to inquire as to the balance-- but I'm sure you dont own them. Especially if you mean that you've paid $1360 towards the tables, lamps AND couches-- becuase the bulk of that is probably rental fo rthe couches too. You dont pay off pieces at a time. |
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Weatherman
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NO
You RENT, therefore you haven't paid to buy them |
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BoomChikkaBoom
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Usually the items are yours at the end of the lease period ... but check your contract to be sure.
You will have paid the full retail value several times over by the time you get to the end of your contract. The cash price has nothing to do with your agreement.
If you "lease" a $200 item at a rent-to-own center for $15 a week, by the time your lease ends 78 weeks (18 months) later, you will have paid $1,170.00 for a $200 item.
That's a 388% interest rate. |
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Cheryl E
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doesn't matter what you have paid..it matters what the contract says that you signed. the contract is the legal binding agreement and will be upheld by the law. |
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DharKhon
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The only way you can keep the lamps and tables if you decide to terminate the contract early is if its stated so in the contract. I'm currently renting to own a laptop computer, the value of which is about half of what I am actually having to pay for it, but that doesnt mean its mine when I pay the laptop's value, its mine when I finish the contract, making the payments on time and not terminating it early. |
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alananavarro22
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No... you have to pay the entire contract off so that the lamps can be yours. |
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Phoenix, Wise Guru
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Only if the agreement you signed specifies such.
You should have thought about that before you decided to rent.
You are NOT entitled to keep the items just because you paid a lot in rent. If you rented a home for 30 years and paid as much in that time as it was worth, would the house be yours? NO, because you signed an agreement to rent. |
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starla_c
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No, you are obligated for the total amount of payments in your contract. If you terminate the rental agreement you may not keep any of the furniture unless your contract states you can. |
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kingstubborn
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What does the rent-to-own agreement say?
The cash price is irrelevant, as you basically have financed these items and in that business they can charge an arm and leg as interest. |
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