Jump to content


  • Tweets

  • Posts

    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

BrightHouse OSC and DLC Terms and Conditions


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4244 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

BrightHouse Optional Service Cover and Damage Liability Cover Terms and Conditions.

 

I have been able to borrow a recent BrightHouse agreement, so took the opportunity to scan the terms and conditions. This has been quite a long process, because the one thing that Optical Character Recognition software has trouble with is text formatting within contracts! :confused:

 

So after a lot of correction and re-formatting, here ya go! I have made them available in Adobe PDF format for easy download (opens in new window). If you would prefer a copy in MS Word, PM me and I'll get it to you.

 

Please note. These files are NOT hosted by CAG.

 

 

 

OPTIONAL SERVICE COVER Terms and Conditions

 

Interesting read this one. No mention anywhere of returning your product at any time. It is just a simple (non insured) service contract. (Plus it's totally worthless because BrightHouse can simply end it if they feel like it!)

 

 

 

DAMAGE LIABILITY COVER Terms and Conditions

 

More interesting reading... Now we know why BrightHouse, as a company, doesn't appear to be regulated by the FSA! DLC policies are underwritten by Caversham Insurance (Malta) Ltd (a sister company of Caversham Finance, which owns BrightHouse!)

 

Oh what a tangled web we weave...

 

Watch out for the policy excess on portable equipment, and if your goods are ever stolen they won't pay out unless there is forced entry! :eek:

 

...And to complete the set, here are the complete terms and conditions applied to a standard BrightHouse Hire Purchase Agreement

 

BRIGHTHOUSE HIRE PURCHASE TERMS AND CONDITIONS

 

OK, now a couple of things spring to mind... Firstly BrightHouse have recently been awarded "corporate membership of the Plain English Society", I'm guessing that these contracts weren't part of the appraisal process!!! :o

 

And secondly, customers are expected to have fully understood all the terms and conditions in the agreements they sign at the point of sale...

 

"STATEMENT: All charges, terms and obligations in every agreement we make with our customers are explained in easily understood language in a personal presentation in store before the agreement is signed. We then test customers on their understanding of the agreement..."

 

What do YOU think?

 

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

Link to post
Share on other sites

  • 4 months later...
That applies to EVERYSINGLE insurer possible Lefty. Even your Home Insurance will state that.

 

Not strictly true. Have you not heard of "all risk" items or policies?

 

I know of a case where BrightHouse refused a DLC claim because, in the store manager's opinion, the customer should not have left her house empty whilst on holiday...

 

BrightHouse DLC insurance isn't "real" insurance, and you know it!

 

 

With respect

 

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

Link to post
Share on other sites

I know of a case where BrightHouse refused a DLC claim because, in the store manager's opinion, the customer should not have left her house empty whilst on holiday...

 

And that has what to do with forced entry?

 

If the claimant was on holiday at the period in which his/her goods was stolen the Burglar must have either A) Forced their way in (provided s/he locked up of course.) or B) Had the key.

 

Now if the burglar had the key yes the claim may still be valid, however it is unlikely that a pickpocket can steal a key AND know which house it opens.

 

Also in the case that the claimant accidentally left his/her house unlocked whilst on holiday and was thus stolen from, well matter of factly its their own darned fault.

 

Meaning Well;

 

Artie

Link to post
Share on other sites

And that has what to do with forced entry?

 

If the claimant was on holiday at the period in which his/her goods was stolen the Burglar must have either A) Forced their way in (provided s/he locked up of course.) or B) Had the key.

 

Now if the burglar had the key yes the claim may still be valid, however it is unlikely that a pickpocket can steal a key AND know which house it opens.

 

Also in the case that the claimant accidentally left his/her house unlocked whilst on holiday and was thus stolen from, well matter of factly its their own darned fault.

 

Meaning Well;

 

Artie

 

I will say again, a BrightHouse DLC policy is NOT real insurance, and you know it!

 

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

Link to post
Share on other sites

  • 4 months later...
  • 3 weeks later...

can any one help me!...iam looking in to this for a freind who is beside her s i lf.said i wud give this site a go 4 her as i have so much help here my self...so here is the problem she is 9 weeks away from finishing her account with them but is in £100 arrears they are sying that they will be out in next few days to remove all goods that belong to them because she can not repay the arrears and weekly payment as soon as can they do this!!! please help if u can soi can put her mind at rest

Link to post
Share on other sites

Hi

 

Your probably best starting this in a new thread, see below:

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=164

 

If you click on the above and choose a subject line and copy your query into it, I will comment and it will get you noticed.

 

PJ

PlumberJon :-D

 

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!

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

 

I just give advice, I can't do it for you though!!

 

If you were helped, then please wiggle my scales, and you might get a wiggle back!!!

Link to post
Share on other sites

  • 8 months later...
  • 2 years later...
  • 1 month later...
  • 3 months later...
  • 1 month later...
  • 3 weeks later...
should i remove this cover?

 

They seem to bump the prices up of items.

 

Defiantly remove both covers ! (you will need a home contents insurance policy to remove dlc) but it would cost you a lot less and be better than brighthouses dlc. The dlc is not a propper insurance cover ...infact it is totally useless and covers nothing!! The osc, you can cancell with 7 days notice. Osc is an overpriced extended service cover which is almost forced upon customers and the salesperson is expected to sell it with every sale . It is extortinatley priced and serves to make up the loss of revenue on "skips" people who don't pay .

Link to post
Share on other sites

  • 1 month later...

Hi i have lost mobile phone lastnight when i was out with friends , i dont know if i have lost it myself or it has been taken from my bag . i have been intouch with my network provider that i have lost phone and they have put a block on it , but im wondering what i will say to brighthouse tomorrow morning when i ring them, as i do not have there dlc cover but i have my home insurance , does anyone know whether this is covered and also whether i have to report the loss to my insurance company or whether brighthouse contact them

Link to post
Share on other sites

  • 1 month later...

The links to the external documents appear to be either broken or removed !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

If your home insurance includes external insurance then your phone is insured,,,,Brighthouse DLC and OSC is a complete waste of time,,,I bought a laptop from there and would have ended up paying £656 in insurances so I refused them both,,All electrical goods (new) are covered by the makers guarntee for the first year anyway..my bill started at 14.94pw and now I have removed their useless dlc and OSC it is only 8.44 pw,,big difference :)

Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

Link to post
Share on other sites

my mum wrote to cancel the OSC and DLC on some items and they said she has to come into the store to do it because they have to re-write the contracts and the ONLY day that they can do that is on saturdays. is this true!? Why only saturdays can they do this? we sent the letter over a week ago expecting it to be cancelled from when we last paid but nope they took full payment and said we have to go in next weekend to pay it

Link to post
Share on other sites

my mum wrote to cancel the OSC and DLC on some items and they said she has to come into the store to do it because they have to re-write the contracts and the ONLY day that they can do that is on saturdays. is this true!? Why only saturdays can they do this? we sent the letter over a week ago expecting it to be cancelled from when we last paid but nope they took full payment and said we have to go in next weekend to pay it

 

 

Rubbish - they are just flexing their muscles. Why on a Saturday when the store is likely to be it's most busiest ?

 

Send a letter, if need be, head it Official complaint and let them do their job.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Yes..we were fed the 'only Saturday' baloney,but complied cos I couldn't be bothered to argue...we gave a weeks written notice and went in the following week,had all the OSC and DLC removed,and paid the new rate straight away..I was definitely not 'feeling the love' in there,,quite the cold shoulder cos now I pay the minimum :) They do actually rehash the contract and you re sign,,make sure the figure is right tho,cos they are very good at folding pages over :)

Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

Link to post
Share on other sites

I think it's a ''power' thing,,cos they know you have cottoned onto their insurance rubbish I got all the 'what if something happens'' speil,,,I said 'it's covered by the manufacturers warranty and I can extend that if I want' £656 is what I would have paid in OSC alone if I had kept it,,,only £2 cheaper than the total cost of the thing !!

Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

Link to post
Share on other sites

  • 2 weeks later...

closing the sticky

 

if you have issues

 

start your own thread.

 

this is for REF only.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4244 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...