i kno none of u r goin 2 lyk this but i am a sales advisor for brighthouse in north england. i am afraid to point out tht most of the cases reported on this forum r pretty unique. if u hav goods from bright house service cover is optional and this is explained when you sign your first agreement, HOWEVER DLC is not optional and i kno from experience tht 9 out of 10 customers get the 2 confused. it is completely your choice if u want service cover or not but if you dont hav ur own house insurance or your house insurance doesnt cover hire purchase products then u have to hav damage liability cover (always check with ur insurers). ur agreement is a Hire purchase agreement therefore the products r still owned by bright house until u make the final payment THEREFORE if u return your product (which by the way you can only do so with service cover unless you pay or have paid half of the total amount payable) any money you have paid is classed as rent for the period u had the product, BUT if u hav service cover u r entitled to a re-start voucher which will state how much you hav paid and (providing brighthouse can find a product of a similar age and value to the product you returned). im afraid to report that the length of time it takes for products like laptops and phones is a maximum of 8 weeks but after 6 weeks u should b askin your store for a service report. bright house's service department has major room for improvment but it is beyond the stores control so please try to be patient with staff that can only make a phone call to chase up something tht is in for service. i am also sorry to report tht if anything is stolen outside of your home or where ther is no sign of a break in then it not coverd by brighthouse's insurance AND brighthouse's insurance DOES NOT replace anything! on another note brighthouse can repossess anything tht is in any arrears wether it be 7 days or 77 days (sorry). if you have paid more than a third of the total amount payable they need a court order. BE WARNED if u sell anything you have got from bright house before you pay it off then brighthouse can repossess anything you have should they find out no matter how much u have paid. im sure ull all b pleased to kno tht brighthouse staff r not by any means well paid. in fact probably 40% off customers earn more per month than the staff tht sign them up and i mean both people on benefits and full time workers. ull b also pleased to kno tht i hav been tryin for a promotion for the best part of 7 months and despite hitting my targets week in week out i hav been declined on numerous occasions which has driven me to post this. brighthouse staff are sometimes treated worse than the customer which may b the reason some staff pass mistreatment onto the customer although ull find the most ignorant staff are the best paid or hav the best jobs. sorry for the hard points in this post but ther r also positives for the customer. BHEmployee