Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
There have been several refernces to this on the forum. However none of it is supported by evidence as far as I can see.
I would suggest that Brighthouse's behaviour might better be described as "persistent telephoning" and even then you need to have evidence to support what you say.
Evidence includes properly logged calls, notes of times, dates conversations, caller's numbers etc.
Best of all, of course is recordings of telephone calls. (See our review section for a selection of telephone recorders - truecall is the best, although pricey).
I think that all of this kind of evidence is essential if one is going to make allegations and certainly if one is going to make a formal complaint of harassment.
I thought that the NOTW article was very bland. I can imagine that a lot was edited out at the last moment - but we'll never know.
It didn't disclose any particular wrongdoing by Brighthouse. It merely highlighted a company which is pretty aggressive about making profits.
I don't like Brighthouse's style but I saw nothing in the NOTW piece which struck me as being against the law.
I can imagine that some of the people who assisted the NOTW in the preparation of the article might be quite disappointed.
If you feel that you are able to identify wrong-doing by Brighthouse or by any other company, you must collect your evidence and be satisfied that it would be sufficient to support a complaint to Trading Standards or to the courts.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
I have said this many times and like I said in the sticky "Credit crunch vultures":
"The gloves are off, but we now need to make sure that everything we say and do is totally squeeky clean and in line with the law".
In my very first post on here when I joined in October 2008, I also stated:
"PLEASE BE AWARE! I AM NOT GOING TO TELL YOU OR ADVISE YOU TO DO ANYTHING WHICH IS ILLEGAL. LIKE IT OR NOT, YOU SIGNED A LEGALLY BINDING AGREEMENT WHICH IS REGULATED BY THE CONSUMER CREDIT ACT AND YOU ARE BOUND TO IT FOR IT'S DURATION OR UNTIL YOU SETTLE THE AGREEMENT, WHICHEVER HAPPENS FIRST.
But guess what? BH are also bound to it under the same law, and by many others including one they don't like to brag about, THE ADMINISTRATION OF JUSTICES ACT 1970, which basically sets out what you are allowed to do and not do when someone owes you money!"
We have had many discussions on these forums regarding these points, but like them or not, they are there to protect either party from any breach by the other party.
So, if you are having serious problems, please be sure to keep notes, a diarised log of events and as much real evidence as you can get. Please also be assured that we will be here to support you in every way. Above all, common sense and a cool head are what is needed.
Call the NotW article an ice-breaker. Let's face it, there are millions of people out there who don't know who they are, and a lot of those millions, because of the recession we are now in, are in the sights of BrightHouse and other sub-prime lenders hoping to cash-in on the doom and gloom of the poor.
PlumberJon
UNUS VIR OBVIAM ORBIS TERRARUM
Are you being harrassed by a DCA or Brighthouse. Click the link for OFT Debt collection guidelines. Chances are, they could be in breach of some part of sections 2 or 3 or both!
brighthouse phoned me and a store member and the manager didnt pass data protection, but discussed the account in full, ,,are these items now uninforcible, thanks for the help, they have also took payments of partners card and never asked to speak to my partner, saying we dont need the name on the card'' thats fine?,
yes people always record your calls the things i got on tape you wouldnt believe both regional manager and customer relations manager saying things that i think there directors would be abit worried about they sang to me the information they gave me from the harassment the guy was an ex police officer to all information on there case against the employee tracking systems them admitting it was harassment the list is endless and i am debating to publish the tapes for public listening. the pepole involved feathers were well ruffled when i told them by the way keep the 3.7k worth of goods wonder why