Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default Another BrightHouse OSC question

    Hi i am new here and have signed up here as the advice seems to be very good. We have been with BH now for a good few years and have to agree that their attitudes stink ! but my post is regarding the "optional" service cover. Now we have always taken this as we thought we had to, but after reading a few of the threads it seems maybe not. But what about if you do not have home cover already do you still need to take it or is it still opitional? because as like many people have pointed out alot of the stuff comes with warranty anyway.

    Thanks in advance and apologies if i have posted in the wrong thread.


  2. #2
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    Default Re: Bright house of horrors

    OSC is a waste of money! Your are protected by the Sales of Goods (Implied Terms) Act anyway. Send them the following letter and cancel it straight away:

    Item Description/Account Number XXXXXXXXXXXXXXXX

    Dear Sir

    I am writing to give the required 7 days notice, as detailed in my agreement(s) that I wish to cancel all "optional" service cover on the above product(s). To simplify matters, I have today (date) presented a copy of this letter to the store manager of Brighthouse (Branch), which has been duly acknowledged, so 7 days notice shall commence at the date of this letter.

    As stated in my agreement:

    “Your Obligations: Optional Service Cover
    Section C (b) The service cover premium is renewable each time your regular instalment is due under the agreement. If the premium is not paid Service Cover will lapse.

    Section H (3) This policy shall continue in force until you give seven days notice…”

    I shall, therefore, be making my next payment on (day) at Brighthouse (branch). This payment will not include "optional" service cover.

    I understand that I may be required to sign a revised agreement. I will only do this on the firm understanding that all payments made previously on this agreement are reflected in any revised agreement. I do not waive any of my rights under the Consumer Credit Act 1974 regarding, in particular, “early settlement” and “repossession” as set out in section J of the original agreement.

    Kind Regards
    You
    Trust me on this one - I took off my OSC and Brighthouse still had to repair my TV.....

    I am not an expert, but I can give good advice about Brighthouse

    Am learning more and more about DCA's too

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

    <------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

  3. #3
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    Default Re: Bright house of horrors

    Quote Originally Posted by clemma View Post
    OSC is a waste of money! Your are protected by the Sales of Goods (Implied Terms) Act anyway. Send them the following letter and cancel it straight away:



    Trust me on this one - I took off my OSC and Brighthouse still had to repair my TV.....
    Thaks even though we do not have home insuranceicon?


  4. #4
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    Default Re: Bright house of horrors

    You do not need home insuranceicon for the OSC - that is for the Damage Liability Cover. Dependant on how many agreements you have, it may be cheaper, on a monthly basis, to pay home insurance rather than their DLC.

    I am not an expert, but I can give good advice about Brighthouse

    Am learning more and more about DCA's too

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

    <------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

  5. #5
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    Default Re: Bright house of horrors

    Ok thanks who do we send that letter to? do we just hand it in instore? and sorry for the newbie questions but this will work and i wont look like an idiot?

    Regards


  6. #6
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    Default Re: Bright house of horrors

    Quote Originally Posted by r34gtr View Post
    Ok thanks who do we send that letter to? do we just hand it in instore? and sorry for the newbie questions but this will work and i wont look like an idiot?

    Regards
    Sorry, I meant to say - send it recorded delivery to both branch and Head Office. Head Office address is:

    Caversham Finance Ltd,
    5 Hercules Way,
    Leavesden Park,
    Watford
    WD25 7GS.

    I am not an expert, but I can give good advice about Brighthouse

    Am learning more and more about DCA's too

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

    <------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

  7. #7
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    Default Re: Bright house of horrors

    Quote Originally Posted by clemma View Post
    Sorry, I meant to say - send it recorded delivery to both branch and Head Office. Head Office address is:

    Caversham Finance Ltd,
    5 Hercules Way,
    Leavesden Park,
    Watford
    WD25 7GS.
    Many thanks much appreciated



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