consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit-- Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki


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!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



The new Consumer Directory
search the web, shop online, looking for gift ideas?
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
The new Consumer Directory
search the web, shop online, looking for gift ideas?

  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
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Retailers - High Street and On-line Stores Forums > Brighthouse


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

Reply
 
LinkBack Thread Tools
Old 14th May 2008, 14:43   #21 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

I have sent the letter to Brighthouse head office in Caversham today, sent recorded delivery, also i have sent copies of all letters i have sent to Brighthouse to Trading Standards.

I have just read through sweetnsexyenglish's thread, interesting because one of the letters she received about them conducting a thorough investigation was the same letter as i recently received word by word.
BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:11   #22 (permalink)
sweetnsexyenglish
Gold Account Customer
 
sweetnsexyenglish's Avatar
Default Re: Advice Needed RE: BRIGHTHOUSE

Usual standard letters but you need to show you are not the usual standard customer!! If you look at the letter I took into the store I suggest you reword it and try it, it states your rights which several surveys show, that sales employees are not taught what the statutory right means and its more than obvious they do not know the laws as pertains to HP agreements either.
sweetnsexyenglish is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:22   #23 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Thank you for your reply and advice sweetnsexyenglish

So my laptop has now been away for 9 weeks, as lefty said above i may never see it again.

I do not expect to receive a response from Brighthouse within 14 days as they seem to ignore letters and they probably think that they are going to get away with it but they are messing with the wrong person because i will take them all the way!

So i expect to start court proceedings in 14 days.

The thing is if i do start court proceedings which is how it is probably going to end up then how much do i sue them for? As stated above i have been paying £17.24 per week since 18th November 2006, this includes £2.25 per week for the optional service cover and £5.25 for the damage liability cover.

I'm wondering what action Trading Standards may take against Brighthouse after they have received all copies of the letters that i have sent to Brighthouse.

Lefty's letter seems a good one and it states all my rights so when Brighthouse receive that letter tomorrow or friday then they are going to have a shock as they will know that i am well aware of my rights and hopefully they will start to crack.
BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:28   #24 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by sweetnsexyenglish View Post
Usual standard letters but you need to show you are not the usual standard customer!! If you look at the letter I took into the store I suggest you reword it and try it, it states your rights which several surveys show, that sales employees are not taught what the statutory right means and its more than obvious they do not know the laws as pertains to HP agreements either.
Thank you for your reply, i fully intend to show them that i am not their usual standard customer.

Are you suggesting that i should send a letter to the local store where i took the laptop into?

Do you think that Brighthouse will ignore the 14 days notice to respond positively to resolve this situation, or do you think they may actually do something about this mess? Personally i think i will not receive a reply and court action will commence.
BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:32   #25 (permalink)
sweetnsexyenglish
Gold Account Customer
 
sweetnsexyenglish's Avatar
Default Re: Advice Needed RE: BRIGHTHOUSE

My personal dealing with Trading Standards...erm to be honest I didn't feel they did much in way of my case but that could have been just my local office. I found contacting the Financial Ombudsman better as he issued out a letter straight away however I stuck to the time lines as stated by Consumer Direct & Trading Standard for letters.

Personally claim for everything you have paid as for extras Lefty may be better enabled to advise as there is no way it has gone to Acer and it has taken so long to repair but you could contact Acer and see if they are in receipt of the laptop.

Do you want it back or would you rather just be done with it and get your money and go else where? as if you'd rather an end to it go to court and get your money, if you wanted the laptop back you could request information of repairer and cut out the idiot (BH) and talk direct to the repairer with the hope that they are independent from BH.
sweetnsexyenglish is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:34   #26 (permalink)
sweetnsexyenglish
Gold Account Customer
 
sweetnsexyenglish's Avatar
Default Re: Advice Needed RE: BRIGHTHOUSE

When I dealt with Brighthouse at all times I issued a letter to local store, one to the finance company which is head office and one to the customer service email address!! It was the store that caved after reading my last letter!!

It is my understanding that BH don't tend to go to court so in my opinion I feel they would settle before it got that far but carry it through until they do, if you looked at mine you will see the area manager and head office did NOTHING, I refused it being fixed and refused a second hand item and would only settle for a brand new...branded laptop...which is how I got the Acer, however although this Acer now has a fault I am happier knowing its branded as I will send my laptop under the warranty to Acer and cut out the fools at BH who have told me I have no warranty...strange thing is the laptop was exchanged in september 2007 and is less than a year old!!

Last edited by sweetnsexyenglish; 14th May 2008 at 15:41. Reason: ps....
sweetnsexyenglish is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:46   #27 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by sweetnsexyenglish View Post
My personal dealing with Trading Standards...erm to be honest I didn't feel they did much in way of my case but that could have been just my local office. I found contacting the Financial Ombudsman better as he issued out a letter straight away however I stuck to the time lines as stated by Consumer Direct & Trading Standard for letters.

Personally claim for everything you have paid as for extras Lefty may be better enabled to advise as there is no way it has gone to Acer and it has taken so long to repair but you could contact Acer and see if they are in receipt of the laptop.

Do you want it back or would you rather just be done with it and get your money and go else where? as if you'd rather an end to it go to court and get your money, if you wanted the laptop back you could request information of repairer and cut out the idiot (BH) and talk direct to the repairer with the hope that they are independent from BH.
Thanks again, i will wait and see what Trading Standards do but i will contact the Financial Ombudsman as well if required.

I would have it back if it was fully repaired, there were 5 or 6 faults with it as well the hinges and lid falling apart but i doubt that it will actually get repaired.

That's a good idea regarding Acer, i thought about doing that once before but i never really thought about it again, it would be interesting to see whether Brighthouse actually sent it to Acer.

I have written to Brighthouse 4 times over the past 7 weeks and have not heard from the since 4th April 2008 so they have had more than enough time, The laptop was taken into my local store on 8th March 2008.


BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:48   #28 (permalink)
sweetnsexyenglish
Gold Account Customer
 
sweetnsexyenglish's Avatar
Default Re: Advice Needed RE: BRIGHTHOUSE

ps....just as with my xbox I sent it to Microsoft instead and had if fixed and back in less than 2 weeks, DHL came and collected it ,they advised me how to package it and returned it with a 3 month gold live card and even fixed the front panel which covers the usb ports that wasn't even a request by myself.
sweetnsexyenglish is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:49   #29 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by sweetnsexyenglish View Post
When I dealt with Brighthouse at all times I issued a letter to local store, one to the finance company which is head office and one to the customer service email address!! It was the store that caved after reading my last letter!!

It is my understanding that BH don't tend to go to court so in my opinion I feel they would settle before it got that far but carry it through until they do, if you looked at mine you will see the area manager and head office did NOTHING, I refused it being fixed and refused a second hand item and would only settle for a brand new...branded laptop...which is how I got the Acer, however although this Acer now has a fault I am happier knowing its branded as I will send my laptop under the warranty to Acer and cut out the fools at BH who have told me I have no warranty...strange thing is the laptop was exchanged in september 2007 and is less than a year old!!
I did send a copy of one of my letters to the local store but that was the first letter, so maybe i should send another letter to my local store tomorrow then? I'm just wondering whether to use the same letter that i sent to head office today or whether it needs to be totally reworded? maybe Lefty could help with that? your help and Lefty's help is much appreciated, i am a very determined person and i will not stop until this matter has been sorted out, i will not hesitate to take them to court.
BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:49   #30 (permalink)
Lefty
Gold Account Customer
 
Lefty's Avatar
 


I am in: West Midlands
Posts: 450
Lefty InformativeLefty InformativeLefty Informative
Default Re: Advice Needed RE: BRIGHTHOUSE

Hi again

Just a couple of little points...

1) You've got the costs of the OSC and DLC the wrong way round. OSC is £5.25 per week and DLC is £2.25 per week.

2) The letter template I gave you makes it clear what you require:

Confirmation (in writing and within 14 days) that CAVERSHAM FINANCE (trading as BRIGHTHOUSE) will facilitate a satisfactory repair to the above item, or supply a replacement item of comparable age and specification in full working order. If neither solution is practical, then a realistic partial refund would be the only recourse.

You also require a full refund for OSC payments made (84 weeks at £5.25 - total £441.00

You cannot expect to claim for the full cost of the laptop - only a repair, replacement or partial refund.

Yes. BrightHouse will almost certainly ignore all your letters.

You will get no response until their solictor is served with court papers, after which they will settle out of court.... (unless, of course, any BrightHouse employees think differently...)


Cheers
Lefty

Last edited by Lefty; 14th May 2008 at 15:53. Reason: typo
Lefty is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:54   #31 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by Lefty View Post
Hi again

Just a couple of little points...

1) You've got the costs of the OSC and DLC the wrong way round. OSC is £5.25 per week and DLC is £2.25 per week.

2) The letter template I gave you makes it clear what you require:

Confirmation (in writing and within 14 days) that CAVERSHAM FINANCE (trading as BRIGHTHOUSE) will facilitate a satisfactory repair to the above item, or supply a replacement item of comparable age and specification in full working order. If neither solution is practical, then a realistic partial refund would be the only recourse.

You also require a full refund for OSC payments made (84 weeks at £5.25 - total £441.00

You cannot expect to claim for the full cost of the laptop - only a repair, replacement or partial refund.

Yes. BrightHouse will almost certainly ignore all your letters.

You will no response until their solictor is served withg court papers, after which they will settle out of court.... (unless, of course, any BrightHouse employees think differently...)


Cheers
Lefty

Hi Lefty,

Thank you again, You are right about me getting the OSC and DLC the wrong way around, sorry about that, I just checked my agreement and you have got it right lol.

I sent a letter to head office today using that template you gave me, thanks again.

Do you think i should send a letter using your template to my local store? or would that be pointless?

Thanks about the part about claiming a full refund for OSC payments, i shall make that known as well then.

Cheers.

BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 15:55   #32 (permalink)
sweetnsexyenglish
Gold Account Customer
 
sweetnsexyenglish's Avatar
Default Re: Advice Needed RE: BRIGHTHOUSE

The strangest thing is the problems with the hinges sounds like the one they sold me, and that was a BH own product not an Acer...i'm wondering if it really is an Acer lol as I now have to Acer laptops non as old as yours so touch wood no problems with the hidges but that other laptop feel apart before my very eyes as was also purchased in 2006....see where I am going?

The original laptops they were selling was taken out of the catologue and they started selling their own which one company confirmed was made by two different companies and was a BH product, the name made up by BH.

As its been so long I personally WOULD contact the Financial Ombudsman regardless of what Trading Standard advise!! And make sure he knows how many times you have issued letters.
sweetnsexyenglish is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 16:01   #33 (permalink)
Lefty
Gold Account Customer
 
Lefty's Avatar
 


I am in: West Midlands
Posts: 450
Lefty InformativeLefty InformativeLefty Informative
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by BrighthouseRipOff View Post
Hi Lefty,
Quote:
Originally Posted by BrighthouseRipOff View Post

Thank you again, You are right about me getting the OSC and DLC the wrong way around, sorry about that, I just checked my agreement and you have got it right lol.

I sent a letter to head office today using that template you gave me, thanks again.

Do you think i should send a letter using your template to my local store? or would that be pointless?

Thanks about the part about claiming a full refund for OSC payments, i shall make that known as well then.

Cheers.


Yes, copy all letters to the store your account is with.

Also (as we've already agreed) copy all letters to Trading Standards.

End your letters like this:

Yours Faithfully,
You

cc
Caversham Finance (Trading as BrightHouse)
BrightHouse Store (branch name)
Trading Standards (your local)
Lefty is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 16:02   #34 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by sweetnsexyenglish View Post
The strangest thing is the problems with the hinges sounds like the one they sold me, and that was a BH own product not an Acer...i'm wondering if it really is an Acer lol as I now have to Acer laptops non as old as yours so touch wood no problems with the hidges but that other laptop feel apart before my very eyes as was also purchased in 2006....see where I am going?

The original laptops they were selling was taken out of the catologue and they started selling their own which one company confirmed was made by two different companies and was a BH product, the name made up by BH.

As its been so long I personally WOULD contact the Financial Ombudsman regardless of what Trading Standard advise!! And make sure he knows how many times you have issued letters.
Thanks again, well Acer are well known apparently for being faulty!

Ok i will send a letter to the Financial Ombudsman first thing in the morning, do you think i should bother sending a letter to my local store? or should i just leave that one?
BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 16:03   #35 (permalink)
BrighthouseRipOff
Basic Account Customer
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by Lefty View Post

Yes, copy all letters to the store your account is with.

Also (as we've already agreed) copy all letters to Trading Standards.

End your letters like this:

Yours Faithfully,
You

cc
Caversham Finance (Trading as BrightHouse)
BrightHouse Store (branch name)
Trading Standards (your local)
Cheers Lefty

As i said above copies of all letters were sent to Trading Standards today.

So what should i put in my letter to the local store? do i use that template again from yesterday? thanks.
BrighthouseRipOff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th May 2008, 16:04   #36 (permalink)
sweetnsexyenglish
Gold Account Customer
 
sweetnsexyenglish's Avatar
Default Re: Advice Needed RE: BRIGHTHOUSE

Quote:
Originally Posted by Lefty View Post
Hi again

Just a couple of little points...

1) You've got the costs of the OSC and DLC the wrong way round. OSC is £5.25 per week and DLC is £2.25 per week.

2) The letter template I gave you makes it clear what you require:

Confirmation (in writing and within 14 days) that CAVERSHAM FINANCE (trading as BRIGHTHOUSE) will facilitate a satisfactory repair to the above item, or supply a replacement item of comparable age and specification in full working order. If neither solution is practical, then a realistic partial refund would be the only recourse.

You also require a full refund for OSC payments made (84 weeks at £5.25 - total £441.00

You cannot expect to claim for