Brighthouse

[DCA-KING]

Hi my wife had a laptop from brighthouse and after reading about them on here i had a look at the hp agreement and it is as follows
laptop(load of cr*p)
price £632.41
terms 104 weeks @ £7.79
Total Credit Charge £177.75
Total payable £ 810.16
Now comes the best part
she pays Terms 104 @ £13.79
made up of payment £7.79
Optional service cover £4.20
Damage Liabillity £1.80
Making it £13.79
Now total amount payable is £1434.16

The total she has paid to this company to date (today) is £826.23


so i sent them a letter today after reading on here and we have cancelled the Optional service cover & Damage Liabillity
as the bloody thing has broken down twice in 12 months and they wont replace it just repair it
so shes been without it for 12 weeks in total while its being repaired
is there anything else we can do about it
Regards
PS at least they wont be screwing anymore money out of us with there cover plans

[DCA-KING]

Hi Just a update brighthouse telephoned today
asking for my wife to come down and sign a new agreement before they will take cover off her account i stated that she does not drive and have asked them to post out a new agreement so that we can read it otherwise if she dont go in they will not take off the cover
HELP

[sequenci]

I personally wouldn't sign a new agreement.

Have you ever defaulted on payments?

[DCA-KING]

No never defaulted i want the to cancel my option service cover
they say they cant untill i sign a new agreement is this legal
i sent it to there head office and one to the brighthouse store lady came on the phone stating that i would need to sign a new one or she wont remove it
i also wanted to have the damage liabillity cover removed they sated that they cant to this unless i prove that it is covered on my home insurance
any help many thanks
i think its a case of reporting them to oft ts everyone i can think of
as i dont want to sign another copy as they might stitch me up knowing that company

[DCA-KING]

Just a quick update having read throught the agreement time and time again i have found no mention of having to show that the item will be covered on your home insurance
thats all is stated in the DLC and OSC is you must have them 7 days notice that you want to cancel also i says nothing about having to sign a new agreement to have them canceled
what is my legal postion
as i want to fight these to the bitter end
and set up so that other can follow suit
regards chris

[DCA-KING]

Also found this on OFT website

The Office of Fair Trading: Caversham Finance Ltd

[The GodMother]

Well this sounds familiar, lots of threads about this company on the general debt forum.

Dont sign a new credit agreement and speak to the OFT and your local Trading satndards about this they should be able to advise you on what to do.

l would aslo spend a few hours going threw the threads regarding brighthouse on the other forums.

Chrissi

[The GodMother]

Oh and BTW it is up to the store manager if they replace or refund and item you are buying off them when you dont have there cover and it is covered under the household policy.

Normally the managers say it cant be replaced or refunded so you are stuck paying for a faulty item.

Chrissi

[DCA-KING]

Hi Latest from brighthouse head office on Friday
The store manager has agreed that there is no problem with removing SC & DLC and i would need to sign a new agreement
with the amended terms (safe gaurd my early set and other part j) so i told her where in the agreement does it state that i have to sign a new one she told me it doesnt(that i knew) and that i would need show them that its covered on my home insurance it doesnt (that i knew) i told her to tell the store to post out the new agreement and i will show it to trading standards and if its ok and im safe gaurded i will sign it and post it back
she told me no problem
anyway i contacted consumer wales who spoke with trading standards and they told me that I DONT HAVE TO SIGN A NEW ONE AS PARTS A, B, C, D, SET OUT THE TERMS AND REPAYMENT AND THAT THE SC AND DLC ARE IN OTHER PARTS
anyway waiting for trading standards to contact me about it and they will take it up
had a phone call sat morning of store manager and he will BRING THE AGREEMENT TO MY HOUSE FOR ME TO SIGN (i told him put it in the post he told me noway i told him ok dont bother i will just wait till tarding standards contact me as i have a letter from your head office (sat post) saying you will lets wait and see his next move

[rory32]

Well done welshnutter. Stick to your guns and keepTrading Standards informed every step of the way.

[The GodMother]

just a question welsh nutter will that letter say that SC and DLC removal will not need to sign a new agreement and that you dont need to proe Home insurance will cover it?

[DCA-KING]

Hi the letter states that the SC & DLC will be removed
AFTER SPEAKING WITH COUNSUMER WALES THEY PHONE TRADING STANDARDS WHO TOLD CONSUMER WALES HAS IT DOES NOT STATE ANYWHERE IN THE AGREEMENT THAT YOU HAVE TO SHOW PROOF THAT THE ITEM IS COVERED ON YOUR HOME INSURANCE (THEN YOU DONT) ALSO AS THE HP AGREEMENT SHOWS THE ITEM COST, INTEREST, APR, AND TERMS IN A DIFF BOX TO THE SC & DLC THEN THERE IS NO NEED TO SIGN A NEW AGREEMENT I hope this clears anything up if you need any Q please feel free to contact me

[The GodMother]

Ok now i think all the shop manager needs to do is run and hid as you have in writing you dont need a new contract.

I would contact them about the manager saying what he did.

[DCA-KING]

I have and now im just sitting back waiting for trading standards to contact me as the girl from consumer wales as passed it all on to them

[The GodMother]

Go for it. These ppl should be classed as rouge traders.

[kevinob]

Hello Welshnutter

Well done for not aggreeing to their proposals.

Once you have signed an amended aggreement you forfeit your CURRENT early settlement, repossession and termination rights.

You have probably passed the the repossession figure which means they would have to apply through the courts to take back your goods.

Did you ask for the extra warranty?
If the answer is no and you can prove that they did not tell you of this extra cover they can be held accountable for irresponsible lending.

HFC and HBOS have recently been fined for selling payment insurance on customer loans without checking the customer needs first. Channel 4 are also researching a programme on Brighthouse.

If you need anymore advice you can contact me directly at
(edit)

[rory32]

I would always advise that people do not receive advice by e-mail or PM - no matter how well intentioned that advice is. Advice on the open forum can be corrected if not completely correct.

[DCA-KING]

Anything i need to know i ask here has some people have diff opinions and others are allways around to help corect any info