This is what I suggest, firstly go to your local CAB and inform them of what has happened, I am sure they will give you advice along these lines: talk to the store manager tell him/her that you did not ask for a new agreement, you were not in arrears with the original one, add that it is not your problem if they lost copy of the first agreement. If you get no joy here then ask for the following, the number for customer complaints, the number for Head Office or contact details for the Area/Regional Manager. I could of course give you all this information, but i dont think this is the place to do it. Get your complaint down in writing, a letter from the CAB would help too. Take a copy of your old agreement into them and say....here I kept mine use this for your records just reinstate my old original agreement. !! Good Luck Oh let me know which store your agreement was with.

Yes they are, but unfortunately the procedure for scanning the agreements was a total disaster when it was launched and many agreements were destroyed without being scanned. This is continuing to happen up to today, and I would imagine will continue to happen as some of the managers just dont know what they should be doing. The company is generally a mess, I know I work for them.

I am amazed they are even admitting to this ! It is true, I know that they have lost hundreds if not in excess of 1000 agreements. Please if this effects you, take sound advice before signing a further agreement. What they have done is closed down your old agreement and started a new one for the same product, it would appear they have not 'knocked' anything off your new agreement other than the amount you had paid on the previous one, this is common practice with them. They put their managers under unbearable pressure to keep the customer numbers up that sometimes unwise decisions are made by the managers. They make these unwise decisions out of ignorance,they are all inadequately trained and the senior management are always changing the rules and targets, which means that nobody really knows what to do in any given circumstance. The main driving force is the unbelievably high bonuses that the store managers and above can receive, in some cases the bonuses can exceed their annual salary. Another thing your Advance Money (yellow money) cannot dissapear, why not as for a statement on all of you accounts live and ended, they cannot refuse and your advance money should show up somewhere on there.

Perfecthome is in no way connected to Brighthouse, Perfecthome began as part of what was the Homebuy Group, who went into administration in September 2006. At this point they (homebuy) had only opened 2 stores under the name of Perfecthome, these are the Birkenhead and Ashton Stores. 3 people got together with the backing of a Venture Capitalist and put the money up to buy them, taking from Homebuy a good few members of staff. Perfecthome(temple Retail and Finance) now have over 30 stores, and sadly are no better than Brighthouse, in fact they are probably worse because they have never attempted to correct the many bad practices Brighthouse employ. Somebody asked what TAD was, well it stands for Theft and Accidental Damage, but really just masks another way of getting money from you. Many store managers are told not to sell any product unless the customer takes out the TAD policy as well. You all must remember these companies are not giving you credit, you are actually buying on HP !! and the laws regarding this type of purchase are very very different to credit agreements.