i am an ex account manager with these clowns and my advice would be to not make any more payments and let them reposess it. the arrears would be so small(don't forget they can only claim what the goods or worth, not the value of the credit, and these depriciate over time) that court action would not be viable and most of the store managers do not know how to fill out the paperwork anyway. don't be frightned of any letters they send you in the meantime and don't get any future purchases from them. i hope this helps.

I am an ex account manager (the one who take goods). I will share some of the so called collection practices they use. All debt falls into 4 catergories 1-7 days late phone call 8-14 days phone call and home visit 15-45 days home visit, contact references, no resolve reclaim goods 46-90 home visit to claim back goods anybody over 90 days is classed as a drop off. this means you will drop off the store debt system. no further contact will be made from the store but you may be contacted by the regional debt collectors, but these only work for a week at a time in each area so don't let them scare you. you will receive a letter during each of these time frames to say that court action may occur. this NEVER happens as it would cost more than the goods are worth(unless you have three 52inch plasmas!). Brighthouse have no right of entry to your property no matter how much they tell you otherwise, never invite them in. If they stop you shutting the door on them phone the police straight away as this is tresspassing. All brighthouse goods have a book value. This is the value of the goods to the store. These depreciate in time, like motervehicles, if you are offered a buy out, make sure you are not paying too much for this and ask for the book value, they will be so shocked you might get a few quid off!!! The last bit of advice i will share is that if you have paid a third of your goods overall price you have protected goods status. this means that if brighthouse reposess your goods you are most likely entitled to your money back, all of it! If you confront them with this they will not reposess, but never take a credit rewrite as this will cancel your protective goods status. So there you have it, its a lot to take in so if you need specific advice contact me on [personal email address removed]