hi im new on here

i could do with some help regarding brighthouse

my marridge broke down 2 years ago and im not proud to say i had to use brighthouse for a tv fridge and washing machine

my weekly payments are £48.00

i took out the tv and washing machine in june 2016 and the fridge november 2016

i kept up with payments until september this year when my hours at work were cut by 50 hours pm

i contacted my store but they were very rude and would not lower my payments

as a result i am constantly in arrears

when i phone to make payment there is always a extra 12.00 added

today i had to pay 61.00

i have the osc and other insurance

can i claim this back

as i suffer with anxiety and the constant texts calls and visits every week are making me stressed

thankyou.

yes you can reclaim the OSC/DLC from day one.

and if these £12 fees are penalty fees for being late/over then those as well

at THEIR int rate too.

STOP PHONING THEM

writing only from now on

and use BACS to pay them online too.

hi dx thankyou

the 12.00 are penalty fees .

i was told i cannot pay by bacs

they had my card details but i cancelled my card and call the automated payment line

i have been reading the posts on here and do i send the letters to my store and head office

the calls and texts will start again tomorrow

what i paid today was for last saturday .

You can pay by bacs. They cant stop you. You also dont have to pay their penalty charges.

If you have their bank details, pay by bacs, and use your agreement as a reference number. Then inform BH what you have done. If you get calls and texts, block them and send them to your providers spam number

oh dear

time to get reclaiming those fees

and the insurances

have you all the statements?

if you are ringing

how are you paying ..new card?

pop them in this

put BH apr in cell d15

CISheet v101.xls

thankyou dx yes new card. i will get it all together and let you know the outcome thankyou feel a lot better about it now.

just remember they have zero legal powers

esp their stupid agents

they are NOT BAILIFFS

so if you get some dirty mac brigade from them at the door

tell 'em to leave or you'll call police 101

yes

i have the pleasure of him every week without fail

im currently setting up a debt management plan with step change

can brighthouse be added to this

i have been paying for my tv and washer for 18 months and will not give them back

with all the money i have paid ive probably paid the purchase price already .thanks

Yes of course you can

And its more like 3 times over

What other debts have you

Its better to do the DMP yourself

i have outstanding debt to provident and water rates

i was managing ok but when i lost 50 hours a month it really set me back

provident have let me do half payments for 6 weeks

but now want full again and i cant afford 60 per week .

its mainly the harrassment from brighthouse that stresses me

i will never ever use them again

they are like vultures and dont care

they were all smiley and happy when i used to go in store to pay

but as soon as i was in finacial trouble they changed

one woman staff member is really horrible

so i refuse to go in anymore.

You TELL Provi what they'll get, they DO NOT dictate to you what you will pay, it doesn't work like that.

Do your own I&E form and work out what YOU can realistically afford to pay, if that's £1 a month then so be it.

Is it wast water or clean water rates you're having trouble with?

well you ignore them and do your own thing

there is really stuff all BH can do

they never goto court and never will

pay what you can COMFORTABLY pay when you can.

as for provi

same there too.

do you have a doorstep agent that comes?

water rates can get a CCJ and p'haps the most priority here

funnel your funds toward paying that off

drop ALL THE REST

to

send all of 'em our offer letter of £xx for xxmts

if they freeze all charges and interest

its in the debt collection section of the library

thankyou my ex husband used to pay the water rates but stopped

i had it transferred into my name and got stuck with all the arrears

i owe about 1500

im currently paying 50 .00 per month.

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

im really trying to get myself straight but it seems a uphill struggle at the moment.

text the doorstep agent too not to call anymore

you are dealing direct with provi

send those letters!!

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

Tell the 'agent' to stop calling you, if he persists then you will make a complaint of harassment to the local police and show them the evidence of his harassment.

Have you checked your water providers web site to see if they have any schemes that help people with their water bills if they get into difficulty? United utilities have a scheme that matches pound for pound what you pay!

your bank will have the details of where the money went when you paid by card so ask them.

They may have it all to hand undar a faster payments ref and if not you can set that up so you can pay by phone/internet/in branch without giving your details to Brighthouse

also agree with the other posters,

get your statements together and tally up all of the unlawful penalty charges

then let them know that you are now wise to all of this chicanery

you will be after a refund plus interest and dont care if it is the easy way or the hard way because the longer they delay it the more interest you will earn on the money!