hi i would just like to say that all you peolple who have complained about bright house obviously didnt listen to the sales person when they went through your HIRE PURCHASE agreement. Just to clarify a few facts: where else would you get a washer if you had a poor credit rating. lets face it no other company would take you on.most of bright houses customers are on benefits . they take a hugh risk in taking these people on, as benefits arnt always permenant. service cover is optional, however if you dont take it out could you afford to pay back half the cash and credit if your partner leaves you and you can no longer afford it. didnt think so. it is there to protect you. not only do you get unlimited service call for the whole time you are paying for it, you get a loaner item for most items and if they cant fix it then they replace it, (not with new )if you read through the t and c it does state this. if you get new well then you are lucky. if you cant afford your items for a while you can do a pick up and hold.they basically end your contract when they have items back and then re start it from where you left off when your finances are back on track.why keep hold of items that are not a necessity like tvs ps3's hifis. if you cant afford them but dont want to loose them this is your best option. how many other companys do this. the other benefit to service cover is if you return your product for what ever reason then you should be offered a re-start voucher. this is basically a voucher for all the money you have paid on that product. you have upto a year to come back and have your money taken off a simular product. ie if you return a washer then you can use the voucher towards anouther refurbished washer within the years expiry time. DAMAGE LIABILITY COVER this covers you for fire theft flood and accidental damage.yes you do have to have this.reason being that the products have to be insured. you may all sit there and think that your insuarance policy covers it but i bet it dosnt.your insuarance has to specifically state that it would pay the hire purchase company the remainder of the balance if anything should happen to it. you may say well thats stupid but just remember you dont own the product untill you have made your last payment. so there for again, as it states in the contract, the product remains brghthouse property untill you have made your last payment. a note to somebody else who made a comment about them having your details when trying to pay for your daughters account.if you want to pay by cheque then you must have a cheque gaurentee card this would be the details that they would need. so by you holding back that info you have proberbly worsend your daughters situation. where in the world would take a cheque whithout cheque gaurentee card. you people need to grow up and come into this century.oh yes by the way they are underthe fsa and finacial ombusmen.