Thread: BH are refusing payment

Hi Scorpio

This is a typical response from BH as they are always after the FULL balance of arrears, as a part payment still leaves you late.

A decent DCA (if there is such a thing) would agree a payment plan with you, but BH are bullies, just like Padre says, and just like you have already experienced.

BUT, I'm sorry I have to disagree with part of Padre's approach.

Yes you have offered part payment which has been refused, but that is BH's fault, and it will reflect well on you that you have made the offer, and poorly on BH that they did not accept it. For this reason alone, they won't have a leg to stand on if they take you to court. Not that they do. Padre mentioned that they have not done this for 4 years. It's been 6 years sinced I worked there, and even then, the only record I knew of was 2 years old then.

However, to use the approach of saying that you now point blank refuse to pay, puts you in a grey area, as this is itself in breach of your obligations under the Consumer Credit Act. In a case like this, it is not enough to simply refuse your obligations because of the way BH have so far acted.

If you are going to dispute ANY part of this agreement, you need to keep yourself on the right side of the law, and make sure it is only BH who are tying themselves in knots. I am sure I speak for the Site Team of CAG, when I say that CAG would never recommend a course of action that could potentially put you on this path, and basically break the law!

Keep the communication channels open, and preferably solely by writing, that way you have evidence of all communication.

PJ

don't let him into your house he has no legal powers he will be a bright house employee

Originally Posted by padre

pj you seem to be misreading my intentions and point ,of coure i wouldn't advocate anyone breaking the law the law . the customer is trying to pay. bh refuse the pmnt and in turn intentionally is putting the cust under severe pressure as all she wants to do is pay her account . SOME OF YOUR WAYS AND ADVICE SEEM A LITTLE LONG WINDED AND IN BEING SO DOESN'T ALLEVIATE THE CUSTOMERS WORRIES. YOU know as well as i do that within a very short time the shop will offer the cust a re write getting her back on track with ONE WEEKS PAYMENT .thats what the customer will want rather than a long drawm out scenario of harrassment padre

I note what you are trying to say Padre, but again I disagree. Exactly what part of.....

Scorpio09 here is exatly what i would do Tell them they now have refusedf my money so take me to court DO NOT PHONE OR VISIT ME AS I KNOW MY RIGHTS and i will go to the proper authorities and also phone head office if you do I NOW HAVE NO INTENTIONS OF PAYING YOU AND WILL CONTEST A COURT ACTION

.....isn't advising someone to break the law?

And pardon me for being long winded, but I will never advise someone to do something illegal or otherwise, which will in future harm their chances of defeating these bullies.

But like all advice here, I give it, but it's up to the individual how too interpret it and deal with it!

PJ

There is a lot of arguing happening on this thread which does not help the OP.

You have said that they have been coming to your house. They are 100% Brighthouse employees and have zero rights to access your home. Send the following letter (recorded delivery) to head office and your local branch.

Dear Sir/Madam

Account Ref xxxx

Please be advised that I will only communicate with you in writing.

Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully

Keep a copy by your front door as well. If they come again, give them a copy and slam the door. If they refuse to leave, then call the police (not 999) and tell them you have a trespasser who refuses to leave your property.