As this is now included as a forced, non optional add-on, has anyone been able to reclaim it and how can you find out what proportion of a payment is "insurance"?

i unfortunately use brighthouse atm and have also used them back when it was crazy georges so i potentially have a sizeable reclaim to work on.

ive read all of those dx, doesnt really clarify how to work out what the 5* actually costs so will have to SAR them i think for all agreements going back to 1996 i think it would have been when i first used them, this could get very interesting.

you treat and calc it the same as ppi

http://www.consumeractiongroup.co.uk/forum/showthread.php?318646-PPI-Single-Premium-Your-questions-answered(1-Viewing)-nbsp

typically though it states per week the cost of the insurances

..........so i potentially have a sizeable reclaim to work on.

Oh goody, so a donation hopefully coming CAG's way then.

Certainly will be, i have now 3 ongoing issues, GEMHL, BC and soon to be BH

I think i might have to go instore and see how the 5* is written on the item tickets to check if i can work out what proportion of my 3 agreements is 5*.

Then theres all the old ones from years ago that i will need to SAR for

A lot of Brighthouse goods are end of line junk, outdated rubbish that has been superseded, stock that reputable stores no longer have on the shelves.

I dont disagree there conniff, sadly its the only option to alot of people, or similar bludgeoning companies

It is the only option for a lot, but you check with other retailers on some of there products and you will find it says 'unavailable' or 'no longer stocked'. I've found it on quite a few items and because they are such lovely people, I will find some examples and post them up.

I can't believe it is the only option, the easiest maybe. An HP laptop at Brighthouse prices is 'Buy one get 2 free at other stores cash price.

It is one of very limited options conniff, especially for those with poor credit or low income. They prey on the most deprived areas where unemployment and benefit claims are relatively high.

It is one of very limited options conniff, especially for those with poor credit or low income. They prey on the most deprived areas where unemployment and benefit claims are relatively high.

They certainly do, they use the Baird brand for OEM TV's which are similar to or the same as the Argos own brand Bush and Alba TVs which are up to five times cheaper.

Wasnt it Martin Logi Baird who invented the TV?

It was all branded under Ferguson many years ago, anyways thats off topic

Wasnt it Martin Logi Baird who invented the TV?

 

It was all branded under Ferguson many years ago, anyways thats off topic

John Logie Baird, but as to the 5* service it should be listed as a separate item on the agreement surely? if not maybe Brighthouse need a visit from Trading Standards or Rogue Traders from BBC Watchdog.

John Logie Baird.

Ahhh thats the fella

Ok so its time to get on with this one, SAR will be sent tomorrow morning

As Richard O'Brien used to say "Let the Games Begin"!!

As Richard O'Brien used to say "Let the Games Begin"!!

You're obviously older than you look

You're obviously older than you look

Crystal maze wasnt that long ago.......................................................was it?

so ive had the SAR back, 11 agreements in total over the years, now i was a bit savvy with some of them and refused to take the OSC and DLC but nonetheless 7 of them have reclaimable insurances, including the 3 live ones.

i will prepare the 7 spreadsheets and get a letter drafted up for sending over the next few days

in total and quickly totting up, there is around £1500 in insurances and i havent started on the interest side of it, some 29.9, some 64.7 and 1 is a truly eyewatering 94.7%

the older ones stem from around 15 years ago!!

im gonna be a busy boy sorting this lot out, will post back soon with updated spreadsheet info and a grand total to reclaim

Nice one - Thompsons Travel here you come

I got the sar back, very quickly to be fair. The problem with it tho is this, there was no breakdown of what was 5* and what was payment so ive used their own website to reconstitute the split based on current products of the same weekly payments and number of weeks.

Aswell as that they havent sent anything other than a short breakdown of the older accounts, no statements etc, they use the old " we dont keep info longer than 6 years" line.

Thats fine by me, the short breakdown of the older accounts shows how much the osc and dlc were so thats what ill be using in the spreadsheets.

For the current agreements, as i said, ive had to back calculate it from what they sell now.

I'll change any amounts claimed if and when they give me the breakdown.

7 spreadsheets completed using CISheet

Total of all 7 to reclaim including compound interest ...........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................£26400.01:jaw:

Good luck martin2006, give them hell.

So the "Final response" arrived and as 100% expected, for the older agreements its a "Sorry we dont have info from more than 6 years ago so we cant uphold your complaint"

Rubbish, you sent me all the info i will need in the SAR you dummies!!

For the newer agreements, "Sorry, the protection benefit Policy is included free and at no extra charge, you also initialled the explanatory notes which "indicate" our standard process has been followed"

Well my BH friends, i know your here snooping, Its not free when the cost is hidden in the inflated cost of the item in the first place, is it?

All your items are covered by Caversham Insurance (malta) Ltd, i suppose they cover them for free do they as you of course charge no extra?

As for the explanatory notes which i initialled, well you force customers to initial them, if they need the product they are trying to obtain, if you dont initial it, you wont accept the agreement, hardly what i would call a "well informed decision" on my part, more of a "if you want it, you must initial here, here, here and here or you cant have it". That my BH friends, is mis selling.

You are correct that i am not happy with your final response so we move on to round 3, LBA on its way!

You had the expected response, now will they ignore the LBA?

I was very tempted to include a copy of the completed N1 with the LBA but decided against it because they dont deserve a "Heads Up" on whats coming their way.

As they sent a FR i am not expecting anything in response to the LBA but the N1 is ready to go on deadline day and it will be issued.