perfect home

Perfect Home catalogue is a retailer dedicated to helping customers put together their perfect dwelling since 2006. This household goods retailer provides customers access to the finest products and services designed to improve everyday life.

Perfect Home catalogue is a great choice for those who are looking to purchase items from popular appliances, technology, furniture and other home items brands. No deposits are required. This household goods retailer considers all credit circumstances, which means customers need not have a spotless credit score.

This retailer understands that it is not always that customers are able to pay for the things they need upfront. Therefore, it offers payment flexibility, wherein customers are able to spread the order cost. Through this, customers are able to furnish their homes with the essentials in spite of limited credit options or smaller income.

In This Guide...

Perfect Home Catalogue Video

Apply for Perfect Home Catalogue

You can apply for a Perfect Home catalogue online here.

Log Into Your Perfect Home Catalogue Account

Through having a Perfect Home account, you will be able to:

  • Access your account online in an easy manner
  • Manage your payments 24/7
  • Check your outstanding balances 24/7
  • View your statements at your convenience
  • Shop and avail of deals and offers

How to Shop at Perfect Home Catalogue

  1. Browse for the product you have in mind and select it – Perfect Home offers a good spectrum of big brands – from furniture to appliances to gaming and technology. And these are offered in low weekly prices. You just need to place an item into your basket and you can then start completing your application online. Take note that you might be required to arrange for accidental and theft coverage for some items.
  1. Complete the online application form – The Perfect Home catalogue application procedure is plain and straightforward. However, you have to be more than 18 years old and a resident of the UK in order to apply. You must also be not bankrupt and you must agree to have your credit standing checked. You must also be ready with the details of your address for the last 3 years. You must also provide details of your earnings and expenses. Furthermore, you must have a debit card registered to your delivery address. Take note that payments will start upon delivery of the first item you have ordered.
  1. Wait for delivery – Once your application is approved and accepted, Perfect Home will get in touch with you to schedule the delivery of your order at a time that is convenient for you.

How to Reset Your Online Account Password With Perfect Home

The “My Account” section of the Perfect Home website allows you to reset the password to your online account.  Click on the link that says “Forgot Password” and provide the details required. This would include providing a current or the latest agreement number. If for any reason you will not be able to provide all the details, you will need to call the Perfect Home Customer Experience Centre.

How to Change Your Order

If you are looking at changing your order, you will need to contact the UK-based Perfect Home Customer Experience Centre. Once you get in touch with their customer experience team, they will see what can be done about your request.

How to Return an Item

An item found to be not suitable can be returned within 14 days upon receipt. Items cannot be returned after the 14-day period has lapsed. However, if you have already paid at least half of the outstanding amount, you can get in touch with Perfect Home to know your return options.

How to Cancel an Order

You can cancel an order any time before receipt of the item(s). For order cancellations, you will need to contact Perfect Home Customer Care hotline.

How to Pay

Perfect Home catalogue customers are required to provide continuous payment authorisation from the debit card you use. Payments will be charged on a weekly basis on a day of your choosing. You will need to provide this information during your application.

You can set up continuous payment authorisation through using a debit card that is registered to your delivery address. Please note that credit card payments are not accepted. It is important that you debit card is not past its expiry date.

Another way for you to pay is through calling the Perfect Home automated payment line. You can also choose pay online through their Quick Pay service.

How to Change the Payment Frequency

You can have the frequency of your payments changed through calling Perfect Home via telephone and speaking to an account manager.

How to Request a Statement

If you wish to review payments statement, you can do so through logging in to your account. You can also request for a paper statement through calling the Perfect Home Customer Experience Centre.

How to Update Your Contact Information

You need to inform Perfect Home catalogue before you move to a new address. You can do this through sending an email to their customer care team. It is important that you keep Perfect Home updated of part of the Hire Purchase Agreement terms and conditions.

To update your telephone numbers or email address, you just need to log in to your account. Or you can also give the Perfect Home Customer Experience Centre a call to have your telephone numbers and email address updated in their records.

How to View Your Balance Online

You can view your balance online through logging in to your account and going to the Statement section.

Applying for Credit With Perfect Home Catalogue

Hire Purchase Agreement

In this kind of credit agreement, the items you have ordered continue to be Perfect Home property until you have made your last payment. You will not be able to sell the items, nor will you be able to dispose of them while the agreement is in effect.

This agreement requires that the items should be protected from accidental damage and theft during the entire agreement term. Perfect Home can arrange coverage for accidental damage and theft on your behalf, at a cost on top of your weekly fee. If you decline to have the optional coverage arranged, you will be required to provide proof of your own coverage before delivery is made.

Effects on Credit Score

Applying for an account with Perfect Home catalogue means you will be subjected to a credit check, and this will place a mark on your credit dossier. Therefore, other finance firms will be able to see you have filed an application with this retailer.

If you keep your payments up to date, your credit score can be improved. However, if you miss any payment, your credit score might suffer a negative impact that can lead to more challenging credit application in the future.

Information Required

There are certain requirements that need to be accomplished when you apply for a Perfect Home catalogue credit:

  • You must be 18-70 years old
  • You must be a resident of the United Kingdom
  • You must not be bankrupt
  • You must submit yourself to a credit check
  • Prepare your address details for the last 3 years
  • Prepare details on your earnings and expenses
  • You must have a debit card registered to your delivery address
  • Your account must have at least £1 available to enable Perfect Home to register the card.

Denied Credit Application

The application process involves a number of checks aside from that of the credit bureau. If your application has been declined, you will be informed of the reason. And regardless of the reason for the decline, it is highly recommended that you ask for your credit report copy.

Perfect Home Product Insurance

It is important that you keep your orders protected from accidental damage and theft at all times. In this way, if something unexpected happens, you can have peace of mind knowing help is within reach. With the Perfect Home product insurance policy, your items will have coverage in cases of accidental damage or theft.

In case a product cannot be repaired or if a product has been stolen, you will be provided with replacement under the policy. There is also the option of waiving the outstanding payments on the product that has been stolen or damaged beyond repair.

If you already have insurance, you will be asked to provide Perfect Home with the policy details during your application.

Dealing with Faulty Products

If it so happens that you received a faulty product, you will need to get in touch with the Perfect Home Customer Experience Centre. Through this, you will be able to learn more about your options. In case you have opted to set an appointment for assessment, collection or repair and you wish to make changes on the service appointment date, you will need to call the customer experience team again to have the appointment rescheduled.

If the product continues to be faulty after it has been repaired, Perfect Home will get in touch with you to discuss the option of bringing in a replacement.

Complaints Resolution

Perfect Home place great importance to its customers. This is why they endeavour to resolve any customer complaint in a fast, fair, and courteous manner. So if you have any complaint during any part of your Perfect Home experience, do not hesitate to get in touch with them right away. You can either send them a letter or call their customer service team to do so.

Perfect Home Catalogue Pros and Cons

PROS

  • Low weekly prices
  • Delivery included in the pricing
  • Easy account registration
  • No deposit required
  • No hidden charges

CONS

  • Does not accept payments made using credit cards
  • Only accepts debit card payments
  • Purchases require insurance

Perfect Home Reviews

Trustpilot

Reviews: 2,401

Excellent              81%

Great                    6%

Average               2%

Poor                      1%

Bad                        10%

You can also check what other people are saying about Perfect Home at Complaints Board.

Social Channels

You can follow Perfect Home’s social media profiles at Facebook, Twitter, YouTube and Pinterest. You can also keep updated of news from Perfect Home through their blog.

Frequently Asked Questions

How can I apply for Perfect Home Catalogue?

How can apply for Perfect Home Catalogue and see if you will be accepted in 60 seconds. Simply click this link here.

Where can I find Perfect Home Discount Codes?

Perfect Home Catalogue run various different discount and promotions across their furniture, fitness, appliances and electronic ranges. Click here to see the latest deals.

Since I arranged to get a payment break earlier this year, is it required that I pay extra interest on any deferred payments?

Perfect Home realize that COVID-19 has had a strong impact on their customers and any payment breaks you’ve taken this year are free from interest. If you’re having trouble with making a payment at this time, reach out to them at 0800 368 5384.

Can I ask for a payment break with Perfect Home?

If your income has been negatively impacted by COVID-19 and you aren’t able to keep up with your repayments, you’re entitled to request a payment deferral. This is under guidance that was released by the FCA previously this year.

They have always allowed for payment breaks as a forbearance tool. A Customer Account Manager can talk over your options if you’re struggling with monthly repayments. They’ll help you find an adequate payment arrangement you can stay on until you’re back on track.

Perfect Home will assist its customers through making difficult choices. Please contact them at 0800 368 5384 then select option 2, which will connect you with a Customer Account Manager. You should have income, bills, other debt, and expenditure information on hand when you call us.

You can find details about some other organisations that might be able to give you advice through their Money Worries page.

I need some help in general with my finances, but I’m unsure where I should go?

You can receive impartial and free debt advice when you reach out to not-for-profit debt advice agencies. Locate them by visiting https://www.moneyadviceservice.org.uk/en/tools/debt-advice-locator

If you’d like assistance with coming up with an action plan customized to your situation, you can look at the Money Advice Services Money Navigator Tool at

https://www.moneyadviceservice.org.uk/en/tools/money-navigator-tool

There is an FCA web page that offers consumer advice when it comes to how to deal with financial difficulties throughout the pandemic: https://www.fca.org.uk/consumers/dealing-financial-difficulties-coronavirus

If you’re self-employed or you need specialist advice, you can locate business debt advisors to help you via the Money Advice Service. Get more information about this here:

https://www.moneyadviceservice.org.uk/en/tools/money-navigator-tool

Locate independent advice on how you can prioritise debts through the following site:

https://www.moneyadviceservice.org.uk/en/articles/how-to-prioritise-your-debts

There are various links to helpful websites you can access through our money worries page:

https://www.perfecthome.co.uk/money-worries

I’ve gotten a payment break this year but my circumstances haven’t changed, can Perfect Home still assist me?

If you’ve had difficulties with your repayments due to your income being affected by COVID-19, you’re welcome to request a payment deferral under the guidance that’s been released by the FCA. It does not matter if you’ve already gotten a deferral.

Perfect Home allowed for payment breaks as one of their several forbearance tools that our Customer Account Managers are able to discuss with you. Don’t worry if you’ve had issues making your regularly scheduled monthly repayments to them. They can find an alternative payment arrangement that’s suitable until you’ve gotten back on track.

When you call them at 0800 368 5384, be sure to choose option 2 so that you get put through to a Customer Account Manager. They’ll be happy to help you, but it would be easier for them if you have details of your bills and other types of expenditures, as well as your income readily available when you place the call.

If my income has become affected or I’ve lost income due to the COVID-19 pandemic, what should I do?

Give them a call and try not to panic. They will work through any issues you’re having with making payments by setting up an alternative arrangement.

Contact them by calling 0800 368 5384, select option 2 so you can talk to a Customer Account Manager. They will likely ask you a few questions but this only allows them to look into your situation and provide you with a favourable outcome.

My item’s broken, will Perfect Home be able to repair it?

This completely depends on what the item is. Since they go through reputable industry experts to conduct repairs and they are working on different time frames, they may not be able to give you an accurate time estimate.

At this time, appliance service repair partners have prioritised repair of essential items such as fridge freezers, washing machines, and cookers. Dishwashers are not included on this list at the moment.

Please note that you’ll have to wait until you’re no longer in self-isolation if you’re self-isolating at the time you reach out to them with a repair service request.

If I’m in need of an essential household item, can I still place an order?

All of the items that are listed on Perfecthome.co.uk can still be ordered.

I normally pay using my PayPoint Card but I’m in isolation, how else would I be able to pay?

There’s numerous options available to you so that you can keep your account up to date while in your home.

Continuous Payment Authority -for this, it’s necessary to use a debit card as we don’t accept credit car payments. This card needs to be registered to the address you give for delivery. It needs to be within the expiry date.

Feel free to pay in these additional ways:

  • Call the automated payment line 0800 368 5384 and select option 3.
  • Click https://perfect-home-keyivr.com and use the Quick Pay service.
  • Online through your My Account.

We’re fully operational at the moment, so you can call and talk to one of our friendly agents at 0800 368 5384.

If I’m waiting to have an item collected from my property, will this still happen?

At the present time, all of our scheduled collections will happen still. However, we’ll make it a point to adhere to social distancing and we ask that you do the same. If a collection slot is missed, we won’t rearrange it without any further notice.

The Delivery of Dining and Bedroom Furniture, Sofas, Mattresses & Garden Furniture

We’ll deliver to the room of your choice and we’ll unpack sofas but we can’t unpack or assemble dining or bedroom furniture at this time. Our delivery team members are going to sign any paperwork themselves so that they limit contact.

Please let us know if you or anyone else if your household is self-isolating due to potential exposure. In this instance, we’ll deliver items to your front door. Tell us if this is the case as soon as possible.

Delivery of Large Audio & Televisions Above 43″

We’ll deliver these items to the room of your choice and unpack them. The delivery team will sign paperwork so that they limit contact. Be sure to let us know as soon as possible if there’s anyone if your household who is self-isolating and we’ll only deliver to your front door.

Delivery of 32″ Televisions, Gaming, Computing, Tablets, Phones, Floorcare & Microwaves

We offer contact free delivery of such items. The DPD team member(s) dropping them off will take a photo of your property as well as a proof of delivery name so they don’t have to ask for your signature.

Perfect Home Delivery of Appliances

We’ll deliver appliances to the room you choose but we can’t unpack or install them. All installation services have been suspended at this time. Our delivery team will sign paperwork to limit contact. Let us know right away if there is any member of your household who is self-isolating so we can plan to deliver your items to your front door.

Servicing of Dining and Bedroom Furniture, Sofas, Mattresses & Garden Furniture

Repairs may take longer than usual at this time, especially if it’s something for which you need replacement parts. We’re working hard to get through requests as fast as possible.

If you need repairs that require a service provider to go into your home, they operate normally within the limits of government guidance. We will not be able t book repairs in your home if you’re self-isolating.

Servicing of Technology & Televisions

We still offer repairs on such items, though we’re taking precautions in order to keep you and our repair engineers safe. Because of the guidelines, it may take longer to complete repairs. DPD has a new “Swap It” process for collections so that we eliminate contact and adhere to social distancing. Drivers only need to touch the “Swap It” packaging and you’ll only touch the items that they’re swapping and receiving.


Company Details
  • Company Name: TEMPLE FINANCE LIMITED
  • Registration Number: 05671852
  • Incorporation Date: 2006-01-11
  • Status: Active
Loan Details
  • APR 119.9%
  • Loan Amount Up to 130 weeks
  • Repayment Duration: See Website
Contact Perfect Home Catalogue
  • via Post: Eagle Court 2 Hatchford Way, Sheldon, Birmingham, England, B26 3RZ