Hi, I too are in a similar situatuation, and looking for advise. I fell behind with payments over Christmas, and someone from BH came out to visit me..i spoke to him on the doorstep and explained my situation to him, and he telephoned the store. He passed me the phone and i arranged to make a payment the following week. Unfortunately i was unable to meet the whole payment ( about £90 ) and i stupidly buried my head in the sand and didn't contact them to explain why. I was going to make the full payment on the 3rd Feb and hoped everthing would be OK until then. Today as i came out of the house with my children a man with a Hi Viz Jacket walked down the path and said he was here with a repossesion order for the Washing Machine (which i have had for a year) and Laptop (only had for a few months). I told him that i would not let him in to take the goods and that i would contact the store now to try and arrange payment of the arrears and bring the account up to date, he told me that Brighthouse had sold the debt to his company and he wanted the goods now. Again i told him that i would not let him in my home. He then told me that he would call the Council and the Police and they would give him access to the goods. I asked if there was a way i could arrange a payment with him believing that BH had sold the debt on. He then telephoned BH and passed the phone over to me i asked if i could pay £50 now and make another payment next Sat to bring the account up to date..they refused and wanted the total payment now or the so called Gentleman would remove goods with permission or not, and they would keep hold of the goods until account was up to date, i said that i would not be able to had over the Laptop as there was far too much personal information on it...the quite aggressive Gentleman then said he would give me 20 minuites to reformat the Laptop. I felt that my only option was to try and see if the payment would go through on my card, which it did £128...this was not spare money that i had it was a tax credit payment that had cleared today which was not due to clear until Monday, we are struggling financially at the moment, i was made redundant just before Christmas and my partner has returned to self employment and work is slow..so the money is usually used for gas and electric and the supermaket shop. After spotting a thread on this forum re the DLC not being valid, i called BH to see if i had been charged for this with the above payment their reply was yes..i quoted some of Lefty's very useful info..they told me they would need to contact the Insurance Company as as far as they were concerned the money was owed and they would get back to me on Monday...i then went on to say very politely that i felt it was unreasonable for them to demand reposession of the goods without being sent a Court Order and that the gentleman should not have threatened me with the Council and the Police to gain access. She then said he was in the store now and you can sort it out with him and passed the phone over to him...so i quoted some more of the advise from the Forum he very aggresively told me that i was wrong, i said that i would contact Trading Standards..he then told me that they knew of him and he would give me his name and they would know where to get in touch with him...at this point i was almost crying.. he told me his first name and i asked for his Sirname, he said that i wont need and put the phone down on me. Sorry if this is all rather long winded, but i would like confirmation that im right in what i said to him and where to go from here. I know im in the wrong for failing to make the payment and can't complain at the store staff as they were quite fair when i received the first visit from them. Today however was totally different, i really did feel bullied in to making the payment. The man was quite forceful, i had to send the children to the car as we were in the garden and i was afraid to open the door for them in case he tried to get in. Is it Trading Standards that i would need to make a complaint to?, as i feel this sort of enforcement should not be allowed to continue. Your views and advice would be greatly appreciated.