I need to clarify what the manager told me is correct because i am sure he is talking bull*hit.

Clemma. I have copies of that letter and plan to make him sign it for all the agreements i want to cancel the service cover on. I will ask to see the Company Policy regarding the amendment of the agreements. I cannot cancel the DLC as my Home Insurance does not cover Hire-Purchase Goods. I spoke to the Insurance comapny myself. In the meantime does anyone have a phone number for Brighthouse's Head Office so i can clarify it with them?

I have finally got around to telling Brighthouse that i want the 'Optional' Service cover cancelled on 4 items (Tumble Dryer, Sofa, Pc Monitor and Laptop) i am paying for. I sent the cancellation letter (Thanks Lefty's Factsheet) to Brighthouse's head office by recorded delivery yesterday and handed another copy to the Manager of my local store this morning. Letter is below. Caversham Finance Limited Chiltern House MarsackStreet Caversham Reading Berkshire RG4 5AP Date - 7th January 2009 Item Description : 6KG 60cm Vent Dryer White Rhondo Multi Scat 3 Natur 19in Acer Monitor 192M Acer TM2491 Laptop Dear Sir I am writing to give the required 7 days notice, as detailed in my agreements that I wish to cancel all "optional" service cover on the above products. To simplify matters, I have today the 7th of January 2009 presented a copy of this letter to the store manager of BrightHouse Darlington , which has been duly acknowledged, so 7 days notice shall commence at the date of this letter. As stated in my agreement: “Your Obligations: Optional Service Cover Section C (b) The service cover premium is renewable each time your regular instalment is due under the agreement. If the premium is not paid Service Cover will lapse. Section H (3) This policy shall continue in force until you give seven days notice…” I shall, therefore, be making my next payment on Wednesday the 14th of January at BrightHouse Darlington. This payment will not include "optional" service cover for the above items. I understand that I may be required to sign a revised agreement. I will only do this on the firm understanding that all payments made previously on this agreement are reflected in any revised agreement. I do not waive any of my rights under the Consumer Credit Act 1974 regarding, in particular, “early settlement” and “repossession” as set out in section J of the original agreement. Kind Regards The manager called me and said he would be happy to re-write my agreements for the 4 items but not until next Saturday (the 17th of January). He wants me to bring in proof of my Income (not a lot since i lost my job) and says he can only do the re-writing of the agreements on Saturday otherwise and i quote 'It will cost you a fortune'. I am happy to go down and do this. The Manager also told me that i would lose my rights under the Consumer Credit Act 1974 regarding the early settlement and repossession set out in my current agreement. I asked why and he told me it was company policey. Is this right? I am sure it is wrong. Can anyone give me any links or advice about this? Thanks in advance.

In Febuary 2008 I bought a 'Quality Refurbished' Beko WMA 765 W Washing Machine from Brighthouse. I am paying for the Service Cover and the Damage Liability Insurance for peace of mind if anything goes wrong. Within 2 months it would 'reset' itself while spinning at full speed. An engineer arrived on the 7th of April 2008, he told me that it was the way i was loading the machine and he told me how to load the machine properly. I followed his instructions but the machine still 'reset' itself on the 1st wash after he left. Another engineeer was supposed to come out on the 9th of April 2008 and have a look at it but i got a call from the Brighthouse Service Centre telling me the engineer could not make it and they asked if the appointment could be re-arranged for the following week. I replied that no i could not do without my washing machine for that long so they arranged to pick my washing machine up and give me a loaner to use in the meantime. They did this on the 10th of April 2008. My machine was returned on the 16th of April 2008 and it was working fine until the 8th of May 2008 when another engineer had to come out as the washer was 'resetting' itself when it was supposed to spin the clothes. He said that the motor was struggling and it needed a new motor despite the machine being less than 1 year old! He ordered the new motor, told me i would get a call when it arrived and they would arrange to fit it. They called me on the 13th of May 2008 to tell me the new motor had arrived and they will send an engineer to fit it on the 22nd of May 2008. On the 27th of May 2008 i noticed the washing machine was having the same problem again so i called Brighthouse and they arranged an engineer to come out on the 31st of May 2008. By this point i was absolutly sick of the washing machine but i did notice that it only had a problem when it was spinning at full speed (1600 RPM) but it worked fine on the lower spin speeds (1200, 800 & 600 RPM). I could do the 1st wash of the day with it spinning at 1600 RPM but any further washes had to spin at a lower speed otherwise the washing machine would 'reset' itself. To prove that the machine did indeed have the described fault i set up my mobile phone, which has the facility to record video, set up the washing machine to spin at full speed and left it. My mobile phone recorded the whole thing and i showed it to the engineer when he arrived. He said it was the mainboard and he replaced it for me. On the 12th of September the washer was 'restting' itself again and the engineer came out on the 13th and replaced the mainboard again. All was fine until the 27th of November when after 2 washes the machine just churned the clothes but refuses to spin on any speed at all. The Engineer is coming out on the 1st of December, if he cannot fix it they will take it to the Service Centre and give me a loaner again. I have had enough now. I want to know if anyone can advise me as i am sick of having to do without the Washing machine every time it goes wrong and i am sick of waiting in for engineers all the time. Any advice or help will be much appreciated.

Yes i know. I have bought 2 items from Brighthouse that are Quality Refurbished. My washing machine has been nothing but trouble. It would reset itself while spinning at full speed, several engineers came out but they all thought i was making it up till i filmed the washer with my camera phone and showed them!! My washer has now had 1 new motor and 2 new mainboards and it is less than 1 year old!! I got an Acer laptop which has had problems too. The keys fell off once while i was typing and 1 of the USB ports stopped working so they sent it away and repaired it for me. Then the sound stopped working last month so i took it back again, they sent it away and it took them 5 weeks to repair and return it to me. I just got it back today after hassling them. I did get a new Acer pc monitor off them, i had it for 2 weeks and it has had to go in for repair already. All i get is a grey screen. But i am still paying for it even though i cannot use it.

I have been a BrightHouse customer since April 2007. I originally got a new sofa (unable to sit on the old 1) and a refurbished TV. Within weeks the sofa was making an awful creaking noise whenever i sat on it. Brighthouse sent an engineer out who had to fix it. The supports were not fixed to the frame of the sofa!! The TV has never had any problems at all. I got a Tumble Dryer a few months later and i have never had any problems with that either. I also got a Acer laptop for my sister (My mum makes the payments). As i had received good service from Brighthouse in Feb 2008 i signed an agreement for a new washing machine (mine was 7 years old, on it's last spin & i am unable to wash items by hand due to skin problems) so i got a Quality Refurbished one from Brighthouse. Within 2 months it would get so far through spinning then 'reset itself'. An engineer came out and said it was the way i was loading the machine. I followed his instructions but the machine still did it on the same day. They were supposed to send another engineer out 2 days later but they phoned me on the day, told me he was ill and asked if i could wait another 2 weeks. I said you must be joking so they arranged to pick my machine up and leave me a loaner which they did. I got my machine back the following week and it was fine for another month then the same problem came back. Engineer came out again and said it needed a new motor as it sounded like the motor was struggling. It took 3 weeks for them to order and fit the new motor. I tested the machine after they fitted the new and i still had the same problem. I realised that it only did it on the 1600 spin speed. They arranged to send out an engineer and as i knew he did not believe that the machine had a problem i set my camera phone up to record what the washing machine was doing. He replaced the mainboard and i showed him the video i had recorded onto my phone. I still have problems with the door of the washer as i have to press it in to make it start a wash cycle and have to push the door in again to release the door. Apparantly it's just something those washers do. The Laptop has been in for repair twice. 1st time the keys came off and 1 of the USB ports would not work. 2nd time the sound stopped working and it took them 5 weeks to repair and return it to me. In October 2008 i signed an agreement for an Acer 19" Widescreen Flat Monitor for my pc. I had to wait for them to request it from another store (non in stock) which took nearly 2 weeks after they 'forgot to put it on the van'. I had the monitor only 2 weeks and when i switched it on it came up with a grey screen so i phoned Brighthouse and they immediately blamed my pc but i told them i had my old monitor working fine. They arranged a Service Call but instead of sending an engineer out they just picked it up and took it away. So now i am paying for a monitor i cannot use and am stuck using the old 1. I am just glad i did not get rid of my old 1 now.

This information is gold dust. Brighthouse are not very happy with you are they Lefty? Well i am very happy with you. I just joined today as i have had problems with brighthouse. Power to the people!!

Thank you very much. I will make sure the manager gets a copy tomorrow and will send the other 1 by recorded delivery to the head office.

Hi. I am a single mother and have several agreements with Brighthouse. I am really annoyed with them at the moment as they have taken 5 weeks to repair and return my sister's laptop. In October i had paid my TV off so i took an agreement out to buy myself a new pc monitor as a treat. They gave me £20 off so i was really happy until last week after only having the monitor for 2 weeks when i switched it on i only got a grey screen, they have picked it up and i do not know when i will get it back. I am really annoyed as i still have to pay for it even though i am having to use my old monitor. It was the same with the laptop. The problem is that if you miss a payment they are straight on the phone asking when they are going to get paid but they are not so quick to get repairs done for you. I have told this to the staff and the manager several times and they take no notice of me. Every agreement i have taken out i have been told that i have to take Service Cover otherwise they will not give me credit. I have read somewhere that i do not have to take service cover as it breaches FSA guidelines. Is that right and if so can someone point me in the right direction?