Hello. We have had no choice but to work with brighthouse as we werent able to get credit when my husband returned to the UK. We had to get a cooker, washer etc through them. While for the most part is has been bearable, we have had issues of fraud with "new items" that werent. We have had issues with being told a set of items agreement was suppose to be up this past august and now suddenly it is janurary for them to finish(over three years for a cooker and fridge). We got an xbox360 from them for the kids, we were told it was new. We have had it just a few weeks over a year, paid off, last night the "red lights of death" happened to it. We thought no problem we will call microsoft as it should still be under warrently. We called, gave the serial number to find out it was registered to a "steve". it is not covered and we wasted 400£ on the xbox for nothing as we cant afford the repair cost. I contacted bright house to ask why we were told it was a "new xbox360" when it wasnt and they say they can not send us a copy of the information on that item because it is paid off. And yes while you are in arrears your insurance coverage doesnt apply...you still pay for it. they keep tacking it on when you are in arears but you cant use it. Not only that, but yes we were told point blank, we couldnt get an agreement on any appliance unless we purchased the insurance with it. That was on top of the "warrently coverage". that doesnt sound like it is optional to me.