if you have contents insurance then you dont need there cover at all all u needed to do was to show your home contents policyto your collector. the collector will then remove that cover from your agreement. always the same on signing the agreement you should be taken through the agreement so you understand. never sign anything unless you understand and happy with its contents. these types of companys should ask if you have home contents cover before forcing there cover onto your agreements. if you feel u have been misold the agreement discuss it with trading standards seek there advice its free.

2 years ago purchased a indeset washing machine from b a y v on a h p agreement over 3 yrs. this machine was most problematic indeed and at a early stage began breaking down . about 6 times the washer broke down and repairs was serious problems indeed mother board had packed up on 3 occasions also a futher occasion came home kitchen area was flooded were latch was not installed properley door came open. i made my b a y v rep aware that this appliance was not right to many faults also indeset as well but my comments was just ignored no one showed no real intrest just a moaning old customer. july 1st 2009 disaster struck the washer exploded and burst into flames causing thousands of pounds of damage to my home. without delay i contacted buy as you view and told me they where sending an indeset engineer out to sort the washer out . some 3 days later indeset turned up and decided the washer was to badly damaged to repair just laughed. later that evening the area manager from b a y v came to my home inspected the damage said to me he would have to contact someone else with this matter as he had never come accross this situation before. some one would call me on monday to advise what was going on to date this call never materialised. a week later i allowed the washer to be taken for inspection to the manufacturer. started e mailing and writing to b a y v but with no response at all. confirmation came from indeset a fault had been found suprise suprise the mother board. continued to contact b a y v e mailed wrote letters even rang them up,on the phone i was finding no help at all from customer services.on several occasions i asked for a manager or director was told no we are trained to deal with customers like you. as weeks turned into months we was getting no futher . october 09 i then decided to pull the plug on b a y v would not allow them access to the property to empty the meter . but did state to them they can come in and inspect there goods at a pr arranged time agreed in writing by both of us. we then received threats from individuals into accounts regarding our non payments. we was then asked to supply the fire report late october 09.after a lot of hesitation we agreed to supply the fire report as long as they paid for it and we had a copy. b a y v paid the fee for the report to this date we have seen no copy of the fire report. b a y v then started sending us letters of breach of our agreement threats of court ect. we asked them for updated balances and also copies of all live agreements that was held with b a y v . to date this information never arrived the lack of urgencey by them to reply to letters e mails and requests where just ignored no one gave a real toss. can you imagine what it was like to live in a house with a 4 yr old 9 yr old 11 yr old 2 adults,without cooking facilities,without hot water,without washing without heating due to the serious nature of this fire damaged it had caused. middle of november 2009 eventfull day indeed spoke with male from accounts dept at b a y v very nice helpfull person explained situation to him. he stated he would try and help. the next day i got a letter from indeset insurers in italy,they stated found a fault in washing machine therefore liability would not be disputed. trading standards contacted me advised me as it was a h p agreement then the responsiblity lay with the finance company who paid the retailer. this was under the supply of goods act implied terms 1973. that company was dunraven finance looking it up same address as b a y v . some days later in the evening end of nov 09 i had a telephone call from the cheif execative of b a y v told him the story and he said he would sort it out. the next day a woman rang me and wanted to know the situation and the cost of the damage. she rang me every working day to update me. in the mean time indeset appointed loss adjusters intending to visit the house a weeks time. but never turned up due to illness,rang this lady who i know as operational director as b a y v . she seemed to grab the bull by the horns to get this resolved in december christmas looming she vetted the builders had run ins with indeset,and said one tuesday night on the phone your work will start tomorrow wed but indeset wish to look at the damage.she said they were all coming to visit our home on wednesday dinner time. she assured me the work will start wed. this director turned up along with area manager loss adjuster for indeset 2 hrs late. after a delay the builders was ordered to start work by the b a y v director. dismay of the loss adjuster indeed she insisted must be finished for christmas. the other damage was viewed and all left . we was given a hamper for our troubles. the work was completed on 23rd dec 2009.at the cost of 8,000 pound. we tried to pursue the other losses with the loss adjuster but for what he said was indeset would offer only a gesture of goodwill one of offer of 500 pound the loss adjuster was rather threatning and began using a bullying tatics against us. he gave us 21 days to consider the offer then decided to withdraw the offer then give us only 24hrs to decide,yes,or no if no then court action would be defended very vigorsouley indeed. consumer direct was contacted indeed they advised i had no claim against the manufacturer under the supply of goods implied terms 1973 act. as the machine was out of warranty so had no obligation legal action would fail. so im left with rooms to redecorate lost all meals claims lost all washing claims also deep fat fryer and kettle not replaced not even consideration of all the clothes we lost. also for our suffering not a mention of compensation. this lasted for 176 days of suffering,yes it was suffering as well. i will add know if it was not for the operational director and her no nonsense attitude this matter would not still be resolved. she was the only person at b a y v that was constructive in moving this matter forward . no other member of the b a y v team from customer service to collectors to accounts to managers did nothing at all. the attitude of the customer service team was awfull . the lack of dealing with requests for paper work never got anything from them .will they change indeed or learned something dont think so back to the old ways was told yesterday by manager that b a y v rep will call today sat at home all day today guess what no sign of b a y v rep ,told you learned nothing. this was a tremendous upset to us as a family,we found all the time it took for b a y v to listen,far to long indeed. this was a major incident to be left like this for such a lengh of time caused severe stress on us also the conditions we was forced to live in as well,for such a long period of time is a disgrace.the cost of the damage was£8000. if b a y v had more directors like the one i refer to here the company would be a far better place. not really no confidence in this company at all would not really buy again would not really recomend them to any body as well. THIS IS THE INDESET WASHER THAT BURST INTO FLAMES [/img][/img]

stormdragon as you may understand what some people view as essentials others might consider there not . when your finances are restricted ie low income benefits disability ect . your cooker breaks down your washer blows up some people havent got £300 plus to get another one so there left at the mercy of brighthouse/or buy as you view. companys no credit checks easy payments weekly.the only option some people have . as for 2nd hand goods really not ideal if gas cookers or washers ect as it might blow up or be faulty so be back to square 1. so the new item is better warranty covers ect so there is some redress. buying 2nd hand is a gamble . perhaps we should be encouraged indeed to offer constructive advice you sound more like a tory mp .

never thought buy as you view had stores what areas is this i remember crazy goerges revamped called themselves BRIGHTHOUSE.

consumer direct are nearly right i suppose. you dont own nothing until the last penny has been paid. but for damage or faulty goods your argument is with the finance provider. as you know buy as you view function under a company called dunraven finance, buy as you view dunraven finance all part as buy as you view holdings in wales. other words they drink out of the same hole. your part of the act u need to be looking at is the supply of goods act implied terms 1973. was the goods fit for there purpose in your case no.thats faulty goodsi am on about . the manner you was sold the goods or your partner was you misold the goods obviously this was not looked at or explained to you did you not understand the agreement you had signed.strange the rep was sacked so why was he sacked. think you should pursue this but remember all letters recorded delivery and keep copies of each letter sent .

hello there i would really like to know what type of help your after lefty. buy as you view complaints keep on coming and i do think what your doing might be most helpfull indeed . we seem to enter into grey areas indeed when you go into meters and also h p laws ie supply of goods act implied terms 1973. blondies letter about b a y v seem so realistic to brighthouse there methods and behaviour. having been with both companys i feel they both adopt the same tatics. you must consider that a majority of of these customers are vaunerable people either on benefits or low incomes that these customers serve or dont . perhaps the need is to advise and clarify the situations customers facefrom there dealings .cheers glen

hello and welcome to the consumer action group. as you have purchased also signed the agreements in your name only you say. then you are responsible for the goods and the payments. i do understand from my own experiences the meter are emptied every 8 weeks. i assume with your relationship ending it added extra financial pressure onto yourself. so under these sad circumstanes if b a y v and yourself cant come to some agreement over these problems. perhaps you might have the right so ask them collect the goods and end the h p agreement. perhaps indeed that a b a y v advisor or some one who knows the h p situation better than myself . in an attemp to reduce the pressure and worry on you over this matter.

We Seem To Have A Lot Of Spies On This Section. From Not Just Brighthouse, But Others As Well. It Does Seem The Site Team Have Them Insight,they Know Who They Are, Perhaps If These Companys Conducted There Buisnesses With Customers In A Decent Manner,valued There Customers. Life Would Be So Easier.

yes agree indeed with lefty spot on there

do so I shall now set out my client's offer below; · The offer is £500 to settle all outstanding claims against Indesit/Hotpoint. · The offer is made without admission of liability and purely as a gesture of goodwill. · The offer is non-negotiable. · No doubt you will need to consider the offer and it is therefore open to acceptance for 21 days. · If the offer is rejected or not accepted within 21 days it is withdrawn and no further offers will be made. · You are entitled to seek legal representation if you choose but my client will not be responsible for any legal costs. · In the event that the offer is rejected no further offer will be made and any subsequent claim will be vigorously

the assesor was appointed by hooverto deal with a faulty apliance that burst into flames .appliance was supplied by a company under hp agreement .item was faulty burst into flames .cost of replacement kitchen ect 8000grand . the hp co in dec2009 paid the builderhe did the work . hp co claiming back from loss adjuster delta claims . we lost clothes in washer 320.00 sent in receipts . we also had deep fat fryer cane blind ,kettle 100 pound we then had visits to laundry cost 500.00. then there was meals we had to purchase out over a grand. this whole episode lasted 176 days. no hot water. no washing facilities no heating no hot water.so due to lengh of time we thought we might be able to some compensation for all the aggro. indeset offering us 500 as a gesture of goodwill. do we take the 500.00 or go to court . but im am told the h p co are responsible as well were do i go i only have till 4pm tomorrowto decide .supply of goods act implied terms im claiming under

Please Can Some Person Help Me. Incident In July 2009.appliance Caused £8000 Damage Kitchen Area. Appliance Was Under H P Agreement. Kitchen Sorted Out Paid For By H P Company.claiming Back From Washer Company. But The Loss Adjustor Is Dealing With This Claim Is Starting To Bully Me .we Have Outstanding Matters. Not Been Resolved .washing In Laundrette Costs Food Purchased From Takeaways. Replacement Of Deep Fat Fryer Kettle Cane Kitchen Blind. Also Compensation For Stress,inconvinience,upset,ect. We Was 176 Days With Out Or 26 Weeks Without Hot Water Due To Heater Burnt No Use Of Washer Or No Use Of Kitchen Due To This Incident.lengh Of Time To Sort This Out Was Very Long. Appliance Was Faulty Insurance Co Stated In Letter The Outcome Of Investigations Showed A Defect Within The Appliance Therefore Liability Is Going To Be Accepted. The Offer Is From The Manufacturer Is To Drop All Actions Against Manufacturers Offer Is Not Addmission Of Liability But Gesture Of Goodwill.the Offer Is Non Negotiable If Not Accepted Within 24 Hrs Offer Withdrawn No Futher Offers Will Be Made Future Claims Will Be Vigorousley Defended. Where Do I Stand Do I Accept The Manufacturers Offer.or Will I Get Better Offer Through The Courts . Washer Is On Hp Were Does The Hp Co Stand Re Liability. Hope Someone Can Help Im Lost Here In Consumer Law.

perhaps you should also have quoted. keep a copy of your letter also forward your letter recorded delivery.thats very good proof of postage. very informative reply from buy as you view on this occasion.......

can understand this lady getting fustrated indeed .she seems to have major problems indeedand very disatisfied in the lack of intrest being shown in her situation . no doubt this lady is becoming more fustrated indeedthe longer this goes on . perhaps the trawlers from b a y v should perhaps try and assist this young lady into a reselotion of her problems . i agree with lefty no please contact customer services dept . perhaps it might be better to all nicolefrenzy to condense ur problem and what if no progressyou have made or in this case not made. this company are very fustrating at times always doing to little to late.

this is what will happen with b a y v refer to linda jones all my e mails she ignored also im told that customers find b a y v customer services un helpfull that is why they post on here.perhaps lefty u may reconsider keeping b a y v together with brighthouse see the connection but seperate companys

perhaps as previously stated b a y v should have there own section you may consider. i have numerous e mails from linda davies over 25 weeks resorting in no action at all. so i am not confident at all about the help customers will get from her. i also assume THE TRUTH RARE INDEED is also a member of the b a y v set up .can i suggest lefty for your consideration please. my intrest in this company is well known no im not at all complimentery about the way they preform indeed. but i found the operational director kathrine jones at b a y v in a month resolved part of my problem refurbished my kitchen cost of £8000. damaged caused by a faulty washing machine . this woman did more in a month than the rest of b a y v did in 25 weeks so this is the lady u need to sort out these consumer problems seriously . her words to me we take customer complaints very seriously.she did and quick .that is the type of person you need a lady of action not broken promises.

yes martin do u smell something fishy with all of this these consumer problems would not have started if they cared.the way i had to live for 25 weeks only kathryn jones eventually cared in dec 09.so the customer care bit im not sure???????????????????????????????

perhaps that is why we have so many people trawling this site for b a y v because ex employers are coming here exsposing the company the way it conducts buisness agreements .if your going to exspose them do it as long as it is honest.there seem to be a lot of complaints about b a y v they want to adopt the brighthouse method talking to a rep on line .keep on at them your the customer your vital to there exsitence .....

yes i must say very intresting reading .i think is the fact that welsh girl s mother is a customer having a valid problem with b a y v .the only person i found willing to help at b a y v was a loveley welsh lady kathrine jones director she grabs the bull by the horns.all the secret b a y v people know who i am this lady intervened when no one showed intrest when there washer burst into flames . 176 days me and mrs and 3 kids from 4 to 11 lived like hermits for 25 weeks . we had no facilities no heating nowashing no cooking for 176days . no one gave a dam from b a y v to indeset . but give the woman her dues she got builders in stood no nonsense without katherine jones this would not have happened.no praises for no other in this company she does care . but seperate b a y v im not impressed with at all have customer service problems . i was speaking to some one the other day and they had been threatened over the phone due to non payment sounded like brighthouse .lessons must be learned you cant treat customers like crap they pay your wages ........

everything i say about b a y v is honest factual and can be substantiated.a company i will never ever deal with or recomend any customer to . to leave a young family in this state for 6mths show very little intrest in the situation ,also all the other complaints on this site with regard this company.not really glowing references at all dramatic failures i would say.

so what are you saying here we are dealing with an honest company .my trust as diminished .previous post above im very concerned sounds like there taking all there customers for a ride here miselling this that the other

any advice please

sorry finance company aware of incident ??, incident 1st july 2009 matter rectified on 23rd dec 2009. so had 6 months without use of goods due to damaged . finance co sorted out damage to area paid over £8,000 .admitted liability on the faulty product , the goods replaced under the insurance cover i had with finance co ? recovered under supply of goods act implied terms, so should i pay for goods that i could not use during this period finance co says yes ?i say no as i had no goods in working order. also on agreement hp states diffrent makes of product than on the agreement.new goods supplied for damaged goods ?????????? do we need new agreements .?????????? to validate

BOUGHT SEVERAL HOUSEHOLD APPLIANCES ON HP .A HOUSEHOLD APPLIANCE BECAME FAULTY BURST INTO FLAMES, CAUSED SEVERE DAMAGE TO MY PROPERTY AND THE APPLIANCES. FROM JULY 1ST 2009 TO 23RD DEC 2009, WAS WITHOUT USE OF THESE ITEMS FOR THIS PERIOD . REPLACED BY INSURERS , BUT DIFFRENT MAKES OF APPLIANCE THAN WE HAD PREVIOUSLY .BASICLY SAME ITEMS ,BUT NOT HAS PREVIOUS HP AGREEMENT. IM TOLD DONT WORRY THIS WILL BE OK . IM NOT SURE IT WILL?????????? ALSO THE CO SAYING I AM IN BREACH OF THE HP AGREEMENT AND ARREARS WAS OVER £400. ASKING FOR PAYMENT TO BRING ACCOUNT UP TO DATE . NEVER HAD USE OF ITEMS DURING PERIOD STATED,SHOULD I PAY ?????? AM I STILL LIABLE ????

I still work for this company and you are right they are rip off merchants! You are complaining about interest charges and bad service - there is more!! How many of you have been mis sold warranty and insurance? Was it all properly explained to you?? I doubt it because when we are selling it we dont really know how to explain it ourselves!! Lots of customers who are sold the insurance already have insurance!! They are making a fortune out of it because nearly everybody is mis led into having it. We cant do anything about it because if we dont sell it we get a bo**ocking and are threatened with our job. If you try to stand up to them here or dont do as you are told you are in big trouble - some have and they are just sacked. If the insurance or warranty or interest or anything else wasnt explained to you properly write to the bosses, not Customer Service. Tell them you want to send all the goods back and you want all the money that you have paid given back because you have been mis sold products and services. Write to Graham Clarke, Chief Executive, Buy As You View Ltd, Kingsway Buildings,Kingsway, Bridgend Industrial Estate, Bridgend, CF31 3RY who by the way also used to be one of the top bosses at Brighthouse!! If he doesnt sort the problem out for you write to Adrian Hill, Chairman, at the same address or why not write to them both at the same time!! The other thing which most people seem to be ignoring is - have you noticed how we are all having the fact that interest charges are at an all time low rate? BAYV havent reduced theirs!! In fact I think they have gone up during the last couple of years!! The bosses also told us the company is now owned by the banks which makes it worse!!There is a lot more going on here which people should know about so I will come back shortly with some more. In the meantime keep me informed about how you have got on with your complaints and whether my advice has helped - good luck!! WHAT DO U RECKON TO THIS THEN