Consumer Action Group envelope labels
You are part of a community of over 195,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
|
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
| | | | CAG Announcements | |
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
You will have to register before you can post.
To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old? This may be unfair
See our new Unfair Trading Guide Bought an extended warranty? Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file? Check it out Hold the Front Page!! News updates The Consumer Forums front page Have you been defaulted?
Would you like to clean up your credit file? Check it out | | | | | | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | |
28th November 2007, 09:20
|
#62 (permalink)
| | Platinum Account Customer
I am in: Scotland
Posts: 6,664
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Sorry to be pessimistic, but the substance of the complaint (in this form) would never be upheld by the ASA, so the volume of similar complaints would be immaterial.
The authority are only interested in that any advertisement must not intentionally mislead or be be deceitful - the fact that you don't happen to like what the firm stands for or the market segment they operate in is immaterial to their task.
In any event, the ASA has no powers to prevent the company sponsoring the show at all (which is the real issue here).
Last edited by buzby; 28th November 2007 at 10:29.
|
| |
28th November 2007, 17:57
|
#63 (permalink)
| | Site Team
I am in: Lancashire
Posts: 9,795
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! What you say is true buzby. Seveal of us have also complained to Chanel 5 (with no success). If they learned that BH were being investigated by the ASA that might make them take a little more notice. Maybe. |
| |
28th November 2007, 18:01
|
#64 (permalink)
| | Platinum Account Customer
I am in: Scotland
Posts: 6,664
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Just didn't want you to be unduly disappointed (as I've complained to them 7 times in the pas 6 years, 1 upheld, 2 partial, and 4 rejected! |
| |
28th November 2007, 18:13
|
#65 (permalink)
| | Gold Account Customer
I am in: West Midlands
Posts: 450
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Quote:
Originally Posted by buzby Sorry to be pessimistic, but the substance of the complaint (in this form) would never be upheld by the ASA, so the volume of similar complaints would be immaterial.
The authority are only interested in that any advertisement must not intentionally mislead or be be deceitful - the fact that you don't happen to like what the firm stands for or the market segment they operate in is immaterial to their task.
In any event, the ASA has no powers to prevent the company sponsoring the show at all (which is the real issue here). | I do accept your point, and did had a good read through the ASA site before registering my complaint (which has duly been acknowledged, by the way.) The emphasis of my complaint is the company's inappropriate advertising. By their very own admission they are targeting a particular social group, the financially vulnerable, the credit impaired and the unemployed. We all know that is Brighthouse's target customer profile, and their own research found 70% of Trisha's audience fall into this category. (I'd love to see the report that concluded this, and how it reached its findings!!!!) Their adverts are also misleading - they make no examples of the cost of the items they advertise nor is there any mention of compulsary insurance add-ons (although they do display APR 29.9%). I also think one of their particular adverts is very irresponsible - The one where the young mother says "I didn't think I could afford a new washing machine - but Brighthouse let me pay weekly!" Weekly or not, if she couldn't afford it, she couldn't afford it! And entering into an expensive credit agreement is downright foolish. Before the ASA was established, advertisements were monitored through the ITC, and their criteria was that adverts should be "legal, decent, honest and truthful". You cannot apply any of the above to Brighthouse - by any stretch of the imagination. Cheers Lefty |
| |
28th November 2007, 18:25
|
#66 (permalink)
| | Platinum Account Customer
I am in: Scotland
Posts: 6,664
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Now, I'm not supporting any sponsor, but 'inappropriateness' isn't something they deal with, and would be discounted.
As for the ITC*, they never had the Decent, Legal, Truthful - this has ALWAYS been the banner of the ASA. The change is that instead of looking after the press only, the ASAs remit extended to commercial TV.
As to your specific complaint, we're talking about their sponsorship? In that case they can make their statement in the 5-second 'bumpers' and there is no requirement to provide worked examples of credit deals (although they would if it was a standard 30 second spot, along with the relevant voice over and tiny print)!
*Did you mean the ITCA, which provided copy clearance services for advertisers, this has been replaced by the BACC but has no regulatory function - all they can do is recommend. |
| |
28th November 2007, 18:33
|
#67 (permalink)
| | Gold Account Customer
I am in: West Midlands
Posts: 450
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Quote:
Originally Posted by buzby As for the ITC*, they never had the Decent, Legal, Truthful - this has ALWAYS been the banner of the ASA. The change is that instead of looking after the press only, the ASAs remit extended to commercial TV.
*Did you mean the ITCA, which provided copy clearance services for advertisers, this has been replaced by the BACC but has no regulatory function - all they can do is recommend. | Must admit, I'm not 100% sure on that one, but I do remember the adverts that said, "television commercials must be legal, decent, honest and truthful. If they're not, then we're here to "ITC" that they are!" (and then down came a big rubber stamp with the ITC logo) !
Cheers
Lefty |
| |
28th November 2007, 18:49
|
#68 (permalink)
| | Gold Account Customer
I am in: West Midlands
Posts: 450
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Another official complaint lodged. http://www.ofcom.org.uk/complain/ads/ OFCOM have a specific complaint process for TV sponsorship and product placement. Cheers Lefty |
| |
28th November 2007, 20:18
|
#69 (permalink)
| | Platinum Account Customer
I am in: Scotland
Posts: 6,664
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! We'll not fall out over it, as it's all history anyway. I'd like to complain to OFCOM about the (now ended) Cadbury's sponsorship of Coronation Street. It kept reminding my wife to buy more of it.... |
| |
28th November 2007, 23:25
|
#70 (permalink)
| | Platinum Account Customer | Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Quote:
Originally Posted by buzby We'll not fall out over it, as it's all history anyway. I'd like to complain to OFCOM about the (now ended) Cadbury's sponsorship of Coronation Street. It kept reminding my wife to buy more of it.... |
Yip it wont change anything but at least by doing so you feel better, well i do anyway.
Complaint confirmation number given. |
| |
28th November 2007, 23:34
|
#71 (permalink)
| | Platinum Account Customer | Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Quote:
Originally Posted by Lefty Their adverts are also misleading - they make no examples of the cost of the items they advertise nor is there any mention of compulsary insurance add-ons (although they do display APR 29.9%). . Cheers Lefty | Has someone got an example brighthouse advert?
Is the compulsory insurance included in the total charge for credit, and hence the APR?
Might need to do some reading up... |
| |
29th November 2007, 00:24
|
#72 (permalink)
| | Site Team
I am in: Lancashire
Posts: 9,795
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Quote:
Originally Posted by tomterm8 Has someone got an example brighthouse advert?
Is the compulsory insurance included in the total charge for credit, and hence the APR?
Might need to do some reading up... | Here Compulsary insurance is on top of APR ay 29.9%. Often you are pressurised into taking out breeakdown cover as well. Total price inlcuding interest, insurancve etc is more than 3 times what you would pay at Argos or Comet. THis is hidden because of the 'all you pay each week is....' con. |
| |
29th November 2007, 00:40
|
#73 (permalink)
| | Gold Account Customer
I am in: West Midlands
Posts: 450
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Quote:
Originally Posted by tomterm8 Has someone got an example brighthouse advert?
Is the compulsory insurance included in the total charge for credit, and hence the APR?
Might need to do some reading up... | Hi Tomterm8
If you haven't done so already, give this recent thread the once over. Very typical of Brighthouse. http://www.consumeractiongroup.co.uk...ice-cover.html
Cheers
Lefty |
| |
29th November 2007, 01:12
|
#74 (permalink)
| | Site Team
I am in: Lancashire
Posts: 9,795
| Re: BRIGHTHOUSE STORES to Sponsor TRISHA TV Show ! Here is a typical example - Whirpool washing machine
What they don't tell you is that if you don't have house contents insurance you have to take their damage liability insurance out as well. On the example here that will add a further £250 to the total bill.
So we have:
Cash price - £421.54
INterest @29.9% - £185.30
'OPtional' servise cover - £327.60
Damage liability inusrance £250
TOTAL: 1184.44
Best price on Kelkoo £335 (plus £35 P&P) |
| | |