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I am afraid I was swollowed up by Brighthouse, I have a poor credit history, (due to mortgageinterest rate), and decided to get a big tv!
I am afraid I have broken it! I know I am a very dumb blonde! I was cleaning and while wiping my table, rather enthusiastically!, my dongle flew into the screen! Causing a bullet hole and spider web! There is now a big black hole where the picture used to be.
I am up to date with my payments. I took out that stupid damage policy, but cannot figure out if I am covered. As it is with Brighthouse, I guess accidental damage may not cover me, just them!
I have not had the tv long! I am not relishing the idea of paying for a tv for the next three years, that is not useable.
I realise it is my fault, but I took out the damage cover for this kind of accident.
Do not saving the Brighthouse about about fault or anything. If you do decide to make a claim from Brighthouse you definitely do not need to go in there with this kind of self-doubt that you are expressing here.
If you make a claim from Brighthouse you must do it assertively and confidently as of right because you have paid to the policy and you are entitled to take its benefit
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 expect that they may try to call on the exclsuion in f(1)(g)
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.
Would they not have to prove that it was infact a "willful act of neglect". Rather than just an accident?
I would say that willful would constitute you knowingly doing something to cause damage, or placing the tv in a position that would cause damage, or leave it prone to an accident.
For example, if I willfuly place my TV on a bookshelf that I know cannot support it's weight, and it breaks destroying the TV. Or I decide that resting a drink on the top is a good idea and it spills.. etc.
I work for DSGi plc
(aka currys, pcworld, dixons)
Anything said by me, are not the opinions of CAG and are mine alone. I have nothing to do with the legal system in any way, the majority of my information will reflect a common sense approach.
So please seek advice from a professional if in any doubt.
Accidemts are normally caused ny neglect, I'm afraid.
In fact looking at their T&Cs - it seems difficult to me to imagine a situation where there cold be accidental damage which would not be excluded.
However, maybe I am just being very goomy about it.
Best to put in the claim and see what happens
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.
(US also willful)
• adjective1intentional; deliberate.2 stubborn and determined.
Originally Posted by Oxford Dictionary
accident
• noun1 an unfortunate incident that happens unexpectedly and unintentionally. 2 an incident that happens by chance or without apparent cause. 3 chance.
In short, you cannot willfully damage something accidentaly. I'm pretty sure they would have to prove that you willfully damaged it.
I work for DSGi plc
(aka currys, pcworld, dixons)
Anything said by me, are not the opinions of CAG and are mine alone. I have nothing to do with the legal system in any way, the majority of my information will reflect a common sense approach.
So please seek advice from a professional if in any doubt.
I broke my Brighthouse tv! What can I do?
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Originally Posted by Oxford Dictionary
