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.
Hi I have been a brighthouse customer for over ten years and was sure that you did'nt need to take the OSC out on an article, but when i recently took out my new tv firstly i was told that if i brought in my house insurance documents that i didn't need to take the OSC . Upon producing my documents i was then told that i couldnt take th tv without them, which incidently has doubled my weekly payments to them. Can someone please advise.
Firstly it sounds like you're a little confused with the BH jargon.
OSC (optional service cover) is the worthless add on that supposedly give you "peace of mind". But if your buying a new item then the Supply of Goods (Implied Terms) Act does everything you need.
DLC (damage liability cover) is the again worthless in-house insurance policy, designed to protect BH's interest in the value of their item while you are paying for it!
It is DLC that they force on you if you have not got your own house insurance.
The O in OSC means optional, therefore exercise your right to OPT out of it. Show them your insurance certificate and OPT out of the DLC too, and see how much money you save.
PJ
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!
Use this letter to ge rid of the OSC, should take 7 days. Send to your branch and a copy to Head Office.
You can also modify it where necessary to get rid of DLC.
Obviously, fill the bits in where appropriate:
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
Good luck!!
PJ
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!
OSC Charges
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Re: OSC Charges
