Thanks - will send off for these after Christmas.

And the point of this sign is......

Brighthouse will not accept part payments, which is what you are attempting to do. I have no idea why, as their refusal puts you further into debt. Send the letters to both Head Office and your local branch. Contact Trading Standards and get them into the loop. Explain your situation and your attempts to pay the arrears. Keep copies of all letters you send. If they come to your house, DO NOT let them in. They have no right to be there without a court order and certainly cannot take your possessions/enter your home forcibly without one. If they persist, contact the police. Once BH are in receipt of the letters, they will know you are aware of your rights. Above all else, try and put this to the back of your mind and enjoy Christmas.

Stomach

Beer

Well I've just looked at my credit report through a website called "annual credit report" and I'm rather confused. At the moment I have Aktiv Krapital chasing me for money (although I know this is statute barred and have sent BOG OFF letter) and this debt doesn't show. Also, Asset Link surely should have obtained a CCJ against me BEFORE they put a charge on my house? This does not show either..... However, could this be because the credit report people have only checked on my married name? Both the above debts were in my maiden name.

Demon

Stop phoning them! Everything in writing! Of course BH will say they can't do it, it's what they ALWAYS say. Send the letters recorded delivery, check they were signed for a few days later, then wait for their reply (bear in mind it will take longer than normal for them to get the letters). There has been a lot of advice posted on your thread, with template letters. Use them all to your advantage. Please, please stop phoning them.

As for silly place names:

Try

Having to work Christmas Day BAH HUMBUG....

There was a version of this read out on Radio Newcastle last night. Was nowhere near as good though! Oh yeah - and Bah Humbug....I have to work Christmas Day :mad:

I wonder if anyone else has this problem. I have been using Google Chrome as my browser for weeks, but all of a sudden, CAG doesn't like it. I can post, but I cannot edit, use smiles, quote someone or insert a picture!! I've had to revert to IE to use CAG properly. What's going on?

No. I only found CAG a few weeks back. I wouldn't know where to start. As it is already attached to my house, I kind of figured there is nothing I can do. I started a thread a while back about the interest http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172689-can-they-still-claim.html

The charge was put on by asset link, not the original creditor. They are putting interest on every month. They said they can until it reaches the amount I would have originally paid the loan company (GE Money). I haven't got a copy of the original judgement, so I don't know if this was part of Asset Link's claim. I don't know the APR, but I do know that the original debt was about £4000 - almost 12 months later I now owe almost £8000

Northampton

:lol:

Hmmm....still waiting for them to move my account. I feel the need to send another email to the "lovely" Anne Healey"

Brighthouse are bullies, and like all bullies they back down when challenged. Remember - everything in writing. Do not speak to them on the phone as they are trained to bully (in my opinion). I too consider myself a good customer and have paid one day late once in 3 years and I was treated the same. I won (see link here http://www.consumeractiongroup.co.uk/forum/brighthouse/171036-result.html)

Rules

This can happen, as I well know. I buried my head for too long and did not know about CAG. I now have an unsecured loan as a charge on my home, which effectively makes it a secured loan.....I've sure learned my lesson now! However, this process took a long time (almost 2 years I think) and it only happened because I did NOTHING Stressed2008 - you have taken a step in the right direction. Follow all the advice and have a Happy Christmas.

From what I have read on the forum, they would have to issue you with a default notice first, then, if you failed to reply to that, they would have to obtain a CCJ. Again, if you failed to comply with the judgement, they could then (possibly, if the alledged debts are enforcable ) apply for a charge to be put on your home. Not too sure what happens next, like if you still failed to pay, but I would seriously hope a judge would NOT order the sale of your home. I'm sure someone will be along soon to give you some much needed advice.

right

Just for you FB - merry christmas :grin: