Hello again all, Im sorry i let this thread go cold a long time ago, fighting BrightHouse is very soul destroying. They make it as difficult as possible to get the information you require in ordert to start legal proceedings and that is only one of the reasons i gave up on this........ ...........however, ive been contacted by another badly done to BrightHouse customer who i am going to help any way i can and i have regained my passion for bringing this company to justice. Over the coming months i will be looking for BrightHouse customers past and present who have a serious passion for justice and wish to try and re claim all Late Payment Charges, Optional Service Cover and Damage Liability Cover. I am considering trying to get a 'Class Action' going, which basically is a collection of people, all of which will have paid OSC DLC etc and wish to claim it back, anyone who is named on a class action will be given the same judgement and whatever is decided would apply to all. If you think you could help, or if you know anyone who could offer free independent legal advice in an A to Z manor, then please contact me. Regards PFUK

Hi guys, Sorry I havnt been on CAG for a while, but my circumstances have changed and I am limited to how much free time I have. Anyway, why I am here this time is quite a complicated story but here goes. Over 2 years ago I subscribed to a pay weekly subscription model. The £1.99 for the first issue then x amount a week there on ones, im sure you know what I mean. For over 2 years I have paid £6.99 a week (£29.98 monthly direct debit) approximately totalling £585. Up till now I have been really happy with the collection. However, because we are nearing completion of the collection, I decided to start unpacking all of the parts and begin assembling my model. This is where the problems start. First thing I noticed wrong with my model is a slight shade difference between certain panels, mainly the bonnet, ejector roof hatch, doors, front wing section and rear wing section. It doesnt stop there. I am not the only customer experiencing these problems, if you have a look on facebook and search 007 DB5 (Official Eaglemoss page) you will see there are quite a few of us on there having problems, there are also quite a few images to view of peoples mis matched paint etc. I would like to point out, this model was advertised as "A show piece". Further to the paint issue, there may also be a problem with twisted main frames. I am only half way through assembling my model and wont know if the frame is twisted until I attach doors etc, which obviously I dont want to do until the paint issue is sorted. Eaglemoss have recently announced they will replace all of the affected parts which is good news, but they are asking that we dis assemble whats already built, which will damage screws and potentially damage parts in the process, re package it all, return it to them, then they will send us replacements. This whole situation is causing quite a few of us a lot of stress and we would all be extremely gratefull if someone could offer some advice. Regards pinkfloydianuk

We today recieved some paperwork from BrightHouse in connection with our recent SAR. The information is still incomplete, they have sent several copies of the same pages (im guessing this is where my tenner went), the pages are a supposed breakdown of telephone communications beteween ourselves and the store. These pages make up approx two thirds of what they have sent us, the rest is copies of agreements etc and just 2 pages of supposed payment information. There is still no accurate information regarding how much we have paid and when. Something tells me BrightHouse are trying to hide something. The payment information we have recieved basically goes, our weekly payment was £14.99, so if we were one week late it would be £29.98 + their Late Payment Charge, however this is not what we have recieved, they have sent me 2 pages which show a date followed by agreement number and how much was (supposedly) paid on that date, strange thing is, where we have been late it only shows £29.98 (for 2 weeks @ £14.99 per week) or £44.97 for 3 weeks etc, NO RECORD of any Late Payment Charges or Interest etc. I would love to know what they have done with my £10 SAR charge because they have not sent me the information i require to make an accurate calculation as to how much they owe me. (How Frustrating!!!) I have been advised in great detail that the FOS route would be best to go down first before starting court proceedings. So next step i think is to give Caversham Finance one last chance to get the information i require out to me. Ive heard of one person saying that their store printed out a till reciept for every payment made. This is what i want and i will make it perfectly clear this time. If i dont get what i need after this final request then i will be going at them 'all guns blazing'. I'm tired of messing around with these incompetent fools. They still have a few days before the 40 day SAR limit is up, so i will honour this and give them the chance to get their fingers out. Once there time is up i will be taking them down. pfuk

Fifelifes, You DO NOT have to have ANY cover from BrightHouse. As long as you have valid Contents Insurance then you dont need DLC. OSC is nothing more than PPI in disguise or can be described as Warranty. As you are covered by manufacturers warranty and consumer legislation, OSC is a completely unnecessary charge. Optional Service Cover CAN be cancelled at ANY point during your Agreements upon giving 7 days notice. I urge you to check you have your facts correct before posting as giving mis guiding information can lead people to not take action against these companys. Regards pfuk

Im really happy that BrightHouse victims are starting to realise their Consumer Rights. OSC is an absolute rip off and I urge each and every person who is paying this nonsense charge to cancel it. Tell everyone and anyone you know that has goods from this company to do the same. Well Done!! pfuk

If you have a smart phone there is an app called 'call recorder'. Excellent for cases like this. pfuk

[EDITED] pfuk

If both items were less than 6 months old when they developed faults, you are entitled to a full refund. Write to, CAVERSHAM FINANCE LTD (BrightHouse) 5 HERCULES WAY, LEAVESDEN PARK, WATFORD, HERTS WD25 7GS Inform them that unless they satisfy your request for a full refund, you will persue the matter through County Court. I too have had faulty goods from BrightHouse and i succeeded in getting them to replace our TV which was 3 years old. For more detail see my thread at http://www.consumeractiongroup.co.uk/forum/showthread.php?336908-Sales-of-Goods-letter-to-Brighthouse-amp-OSC-Reclaiming ps to recieve a response from other site members, you will be better off starting your own thread. Regards pfuk

Thanks dx, Apologies Martin3030 for getting angry with you, but please bare in mind, all I want to do is help. I am NOT here for conflict. pfuk

Once you receive your SAR, come back and give me a shout, i will be more than happy to guide you. Regards pfuk

OK, keep us posted as to what happens with your SAR. I hope you manage to replace the items you need, i know how hard things can be sometimes so you have my sympathies. Keep on fighting and keep your chin up. pfuk

With all due respect, I have reposted them on my thread because they are relevant. I have spent many hours reading threads on CAG about BrightHouse and i am yet to find a succesfull case of OSC reclaiming which has sustainable evidence. If you know of one i would much appreciate a link to it. Yes there are a few success story's, however ALL that i have seen have been settled before they got to court. What i am striving for is to help EACH and EVERY BrightHouse customer reclaim what is rightfully theirs. To do so they ALL need to have solid evidence to provide to the court should they need it. All i am here for is to make others aware of what their rights are, i have no hidden motives.

Apologies, you have already said you returned the goods. You probably did the right thing by doing so. You should try FreeCycle and GumTree etc, there are some perfectly good items going free on these sites, only drawback is that you usually have to collect, but still definately worth considering. Are you definately going ahead with the SAR?

dx, Out of curiosity, what concrete evidence could be used in court by someone wishing to reclaim OSC? I appreciate you have said before that the OSC is nothing more than warranty in disguise. My worry is that I don't think that statement would be enough to convince a judge. This is the 'last piece of the puzzle' so to speak. DLC can be reclaimed if you have valid contents insurance. Late Payment Charges can be argued as an 'unfair contract term'. So how, in court would you prove unarguably that OSC should be refunded to the consumer? Obviously I can argue that we were mis sold as we were told we MUST have it, however this wont be the case for everyone. If I were saying to you, I took out OSC because I thought it was the right thing to do or the safe option. What advice would you give me that could be used as solid evidence? REPLY....... i dont think anybody has ever gone to court on OSC. pers i think your tac will be the "it is optional service cover" but made compulsory by sales staff on commission to sell it. much the same as PPI is optional arguement, won that one cant see why a judge won't see OSC the same. the word 'optional' is the key here. In the PPI case, as such its not mentioned, other than in the T&C's in this case the word OPTIONAL is in its title - WHY was it compulsory judge? dx POSTED BY ME....... dx, Please don't think im trying to catch you out. I aim to help as many people as possible and imho the best way would be if everyone could argue the same points. If a judge awards one case on a concrete argument then everyone will be able to do the same. People have the mis conception that BrightHouse make OSC compulsory to every customer. Unfortunately this is not the case. Some people have been given the 'Option' and Caversham Finance would undoubtedly come out with a statement from their T&C's to support this in court. What I am looking for is a sustainable argument as to why EVERY customer should have their OSC returned. Do you think this also could be argued as an 'unfair contract term'? In reality OSC doesnt really offer the Consumer any protection that they dont already have with the manufacturers warranty and current legislation. Could that fact be used to argue the OSC as being 'unfair' as it is unnecessary? pfuk

I hope you dont mind me taking the liberty of modifying your post, it is slightly confusing. If you were coerced in to thinking they wouldnt give you the goods without OSC or that they may hesitate to give you the goods without it then you have been mis sold. OSC DOES NOT insure your goods, that is what the DLC is for. From what i can gather from your post, you are saying that the store staff told you that you would be 'liable' for any faults or damages to the item(s) without OSC. This is a false statement and on this alone i believe you have a right to argue mis selling of OSC. Also, if you specified that you DID NOT want OSC on your second item but they added it anyway, then you can also claim these charges back as once again you have been mis sold (you did not want it on there). The 7 days notice is correct for cancelling OSC, so you need to include a seperate letter with your SAR giving them notice that you wish to cancel the OSC. Please post all correspondence by Recorded Delivery, i know it is more expensive but Caversham Finance will not be able to play funny buggers and say they havent received your letters. May i ask what the Item was that 'broke' what the circumstances were to it being 'broke' and how long you had it when it 'broke'. If you are still having problems with this item then you MAY be able to get a refund, repair or replacement under the SOGA or the SOGASA.