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jan7777

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  1. Hi Mal No I didn't inform EON as I am in the process of switching suppliers to co-op and never opened any of the previous tenants letters as they were not addressed to me ! They left a letter on the side with no meter key and no instructions on how to obtain credit or a key ! They put £5 credit on it , left off my house alarm and my freezer has defrosted as a result ! Surely this can't be right , there was no copy of any warrant and from what I believe a warrant has to be signed the same day and I find it hard to believe a magistrate has signed a warrant on sunday morning before 10am as that is when they came ?
  2. Hi I have just come home after a weekend away to find EON have been in my house , left off my house alarm , changed my meter to a key meter and left a letter for the lady who used to live here saying she owes £7,200.00 I have only rented this house since late august this year and the Lady the letters have been addressed to was taken into care nearly 12 months ago from what the neighbours tell me , she was 80 and had dementia . I never opened her letters but have come home to a pre payment meter being fitted in my absence as my home was empty and no alarm on and a defrosted freezer ! The locks have not been drilled as my key still works ... I don't understand how EON can do this ? I have never received a letter addressed to the occupier or I would of opened it , there is mail only addressed to the previous old lady ? Is this legal ? They have come into my home and disabled my house alarm without my being here and just left a note on the windowsill saying there is £5 credit and the lady must pay £8 each week ? Please advise ASAP MANY THANKS JAN
  3. Hi My friend pays £93.00 per week to brighthouse and has got herself in a complete mess with charges for late payments etc. She is a single mum with a teenage son who suffers badly from attention deficit disorder.He is constantly hard work and can be violent towards her and damages the house if bored. All the purchases from Brighthouse are items with which to keep him entertained. He is on medication but it has its problems to say the least. Untill somebody has a personal insight into ADHD please don't underestimate the condition and the effects it has on people caring for them ! Firstly Brighthouse should never allowed her to take on this many agreements knowing full well her income was not enough for her to live on and make payments of £93.00 per weeki. Before anyone else says it ...She should never have got into the situation and i 100% agree in hindsight ! Brighthouse are aware of the situation regarding her son and regularly phone her offering new products which unfortunatley have put her in really serious debt.She has missed 2 payments in 3yrs and each occassion they have harrasessed her by phone and added loads extra to her next payment. Im trying to help her cancel her optional cover so her payments can reduced but they have never given her a copy of the agreements only a statement now and then which says shes paying optional service cover but doesn't specify any amount ! She has asked 3 times for copies of the statements and they keep fobbing her off saying they are to busy. If there is a legal letter to request the agreenment copies or any other help please let us know ? All help will be sincerly appreciated .
  4. *_HOW DEBT COLLECTORS TRACE YOU_* I recently moved home and was about to re-direct my mail thru royal mail. I noticed a comment in the terms & conditions for re-direction that concerned me I searched for more info on who Royal Mail informed of my new address and was amazed to learn that they share all members of my household’s details with a certain company whose name I cannot provide under the site rules. It is a totally separate company to royal mail but directly linked to one of the largest credit reference agencies and they hold unbelievable amounts of info on everyone and actually offer tracing services amongst other data collection products which are available to anyone who purchases a license. They say they sell only to companies but I registered quite easily with them in order to watch the videos they use to promote their products and they regularly email me offering new product info etc. You wouldn’t believe how easy it is to use their software to trace people and every member of their household using their software. Apparently British gas is responsible for 98% of their database records. British Gas directly inform them of their customers whereabouts should they have a gas bill in their name and pass it to Royal Mail who provide every scrap of info linking a person from an old address to a new one. Mail that isn’t even re-directed thru their re-direction service to an address provided confidentially by a customer is still reported to this company and easily accessed using their software! In other words even if you only inform certain people i.e. your bank of your new address and all your mail still goes to your previous address Royal Mail hold links to any and every letter to every address corresponding with yours and people in your household’s names. Including every variation of your name i.e.; initials, full name, Miss or Ms Etc. Debt collecting agencies can freely access all this as long as they pay for the license and a few pennies per search. This has got to be a breach of data protection laws in some way? Anyone knows anything about this please reply?
  5. Hi ive just sent a private message to you , if poss could u have a quick look ? Thanks Jan
  6. Hi You have raised many superb points regarding debts passed onto debt collecting agencies. When an agreement/loan is passed to dca its a got to be a debt from quite some time ago ! If the debt was originally secured against your home then the debt would never have been passed onto a dca as the original lender would put a charge on your house etc themselves.Oviously they couldn't , so they sell on the debt. So how come months/years later a dca can end up putting a charge on your property when the original agreement never involved your property maybe as u purchased the house years later ? Thats not the terms u originally agreed to regardless that you are in default surely ?
  7. Thankyou ! I think you have probably just saved lots of people lots of money.
  8. Thanks Lefty for properly explaining the meaning of Hire Purchase. (I know what I mean but sometimes don’t explain myself as well as you have)I believe there have been 13,000 views following this subject; obviously it is of great concern to many! I think maybe there has been so much interest in this topic simply because both PH & BH have thousands of customers who don't fully understand the contract they have entered into. Could someone fully explain in PLAIN ENGLISH the options and choices available to customers of Perfect Home & Bright House before they enter into agreements/contracts and how to cancel optional features they may have signed up for but no longer require. Specifically their COVERPLUS WARRANTY (otherwise known as FIXED SUM-LOAN AGREEMENT) & OPTIONAL SERVICE COVER PLAN! I hope someone can provide a conclusive & clear definition of Perfect Homes & Bright house agreements/contracts as it will offer people a choice of making a fully informed decision before entering into agreements/contracts they feel obliged or required to agree to. There are so many diverse reasons people find themselves in financial difficulties, bad choices, bad decisions and bad luck are just some of the contributing factors. Anyone shopping with either store will usually have some form of bad credit history. I’m in the process of dragging myself out of the horrors of having a bad credit profile myself so I’m not preaching or looking down my nose at anyone in any way. Perfect Homes staff are really pleasant, the products are good, the actual hire purchase fees are not much different to many other store prices, the APR% is slightly inflated but not extortionate. Obviously cash is limited for PH & BH customers or they would buy elsewhere a lot cheaper. The problem I have is with the Coverplus Warranty or Option Service Cover Plans. These plans are not fully explained and usually skirted over at the time of signing the contract/agreement and automatically included in the weekly payments. The reason for this is that the staff receive an incentive/commission on each plan they sell. The added expense of the optional cover plans is not taken into consideration when staff calculate the maximum credit allowance a customer can spend in proportion to their income which can mislead/ influence customers into entering an agreement that they may have decided against if they had been fully informed. Should they default then COVERPLUS/ OPTIONAL SERVICE PLANS & TAD are no longer valid which means a load of wasted cash on protection/service plans that don't protect at all when needed. Both stores are aware that some of their customers are at a disadvantage regarding their choice of stores with whom they may obtain credit and PH & BH take full advantage of the fact. Customers of these shops mostly have a limited income and the overpriced, unnecessary COVERPLUS Plans etc are only helping keep people in further debt. Obviously I would expect to pay a higher APR on my agreements than if I had a good credit record as the store is taking a financial risk allowing me credit and I accept that completely. When you buy new shoes the salesperson will usually try and sell you a special cleaner or polish at an over inflated price , we all usually have something similar at home or can buy cheaper elsewhere so we say NO because we know we don't need it and it would be a waste of our money . The CoverPlus /Optional Service plans are exactly the same in principal. BY OPTING OUT of such plans peoples weekly payments would be reduced dramatically therefore allowing people the chance of comfortably affording the item for the duration of the hire purchase agreement.
  9. WOW !!! What a venomous response Queen Donna. A last word before i end this inane conversation. YOU CANNOT take out a hire purchase agreement with any store,especially the PH & BH you are referring to in your ill informed post,then decide you don't want the item after the initial cooling off period WITHOUT incurring a financial penalty of some form. Yet again did you understand the contract before you agreed and signed for it ? The repayments are calculated over a specific period of time so you are financially responsible to make the payments until the full amount is settled and the item then becomes your own. If for whatever reason a customer finds they can no longer afford to make the payments they agreed to make then the item may be returned to the store but you will never be allowed any other item ever again as you have breeched their contract terms and as such you become a liability even by their standards. Im sure others following this will be inclined to agree that the intention of this site is to help and share experiences with others in situations requiring HONEST advice from members of the public not to use it as a platform to repair a failing company image. Which store do you work for again ?
  10. The fixed sum loan agreement is Perfecthome's termanolgy for what was previously known as "OPTIONAL SERVICE COVER". On their latest summary schedule/contract it is referred to as COVERPLUS WARRANTY. Page 4 of the summary Jan 2010 (in small print)explains "The OPTIONAL Fixed sum Loan Agreement is in respect of Coverplus warranty" Defination of optional is: Not compulsory or automatic, discretionary, elective, facultative or possible, available as choice. The opposite of "Optional" is; Compulsory, forced, mandatory, obligatory, required. The sales staff earn "commission" by selling the Coverplus so it is not in their interest to fully inform the buyer of his CHOICES and may lean their sales technique towards the Antonym of Optional. If cover is taken out at point of sale then write to the store manager and Temple Finance stating that you wish to cancel the Coverplus and are giving 7 days notice to take effect from that date...(there are some excellent letters /templates on this site which are brilliant for this purpose. Don't feel pressured into refusing the coverplus before signing the contract as it is an optional service and in no way should affect the purchase/agreement. Please look for one of the letters posted previously with regard cancelling the cover as they are excellent and worked for me even though the store manager came up with every reason not to accept it in the end he had no choice as i exercised my rights as a consumer. Fixed Sum Loan Agreement in my opinion is not plain english as required under The Consumer Credit Act , why not call it by the correct name OPTIONAL COVERPLUS WARRANTY ! Hope this helped & sorry for rambling ! J
  11. Hi Im glad you have had a good experience and in no way do i believe either PerfectHomes or Brighthouse bully anyone into purchasing their goods. My concern is not about "bullying" its about their predatory lending to some vunerable sectors of the public. Not everyone has been as fortunate as yourself during the buying process and have understood the terms of the contracts thoroughly as they have been insufficiently explained unlike in your experience. The Optional Service Cover or Coverplus was also explained to you ? Also you said you can "hand back goods if you don't like the service" Can you hand it back after 1 week ? 10 weeks or 3 months and not pay any charges ? If thats correct i could have a new tv etc for months get fed up and give it back ? PerfectHomes are always advertising for new staff I don't know your location but if you check out their recruitment page you should be able to find a position within their company ! Good luck ! J
  12. Hi Im probably in the wrong place to post regarding Brighthouse if so i apologise in advance. Most in fact the majority of these complaints also similiar to Perfect Home problems appear to derive from the initial point of sale and the customer not being fully advised by the copmpany sales staff as to the context of the agreement they are about to sign in PLAIN ENGLISH or their rights to refuse the "optional cover". If the above are not fully explained is that not considered a breach of the Consumer Protection From Unfair Trading Regs 2008 with regard the Misleading Omissions6....Paragraph 2( c.)..The commercial practise provides material,information which is unclear,unintelligible,am bigious leading to (d) the commercial practise fails to identify its commercial intentand as a result it causes or is LIKELY TO CAUSE THE AVERAGE CUSTOMER TO TAKE A TRANSACTIONAL DECISION HE/SHEWOULD NOT OF TAKEN OTHERWISE ! I have researched deeply into both Perfect Home & Brighthouse and have collated enough information that i am confident exposing them for many legal reasons and many consumer credit contaventions. I am unsure if you would find the info of use but am happy to give it all to you in order for you to find the correct path to prevent people being lured into such agreements without being made fully aware of their alternatives. Many thanks Jan Consumer Protection from Unfair Trading Regs 2008 Follow this link to our CPUT entry in the library. Using CPUT you can complain to Trading Standards about Unfair Commercial Practices. Complaining under CPUT is easy to do. It costs no money and carries no risk. However, you may also need to bring your own direct action to produce a solution to your own problem or to get compensation.
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