i got a tv from bh total cash price was £999.13 payable for 156wks at £9.22 per week with an interest of £439.19 total amount in all £1438.32 for some reason ive been paying £16.32 wk an extra £7.10 when i questioned this i got told i had to pay the insurance as i didnt have house insurance after a good few mths of paying it every1 seem to think it was alot to pay and was wrong , i phoned up the store and they said it was insurance and i had to pay it in case of theift or fire damage as house ins doesnt always cover it they assured me it was right and i couldnt get out of this agreement , i carried on paying up until about 4wks ago whilst trying to look into what was legally right and wrong with sometimes money trouble i miss a couple of weeks but always catch up at the end of the month bringing bk to date even to the point that nearly every week from starting the agreement ive had to pay a late fee charge i seem to have recalled it being £5.00 i will have to look that up , bh said ive been charged £3.00 , after joining this site out of my wits with worry on what to do i decided to phone today and i spoke to the manager i explaind that on the agreement ive got it doesnt say anything else apart from the £9.22 i should be paying for the tv i tried to explain that and he said i had to bring the agreement instore and i was paying insurance of £2.70 and i might of taken out dlc cover i remember clearly i hadn't taken dlc out so all this time ive been paying well over the odds for the tv ,i asked the manager for a print out of all the payments ive made last 2yrs which i brought it roughly to total of£1749.28 thats without late payment charges nearly working out every wk , the manager said he couldnt print a copy of payment out as the system wouldnt let him because i wasnt up to date with the payments and if i made a payment there and then he would send me a copy , he tried his best to put me down and said if i didnt pay some1 would be round to collect the tv i said i wanted to look into this as so many people think the ins is wrong , i ask them to stop the phone calls which i constantly get day in day out and the constant knock at the door , he denied they have been harrasing me and said they had every right to visit as it was there goods not mine and wanted to know why ive took 2yrs to queerey it i did tell him i spoke to some1 after few mths and they said i had to pay it and finish the agreement he said i didnt stand a chance taking them to court as i wasnt intitled to any of this back no 1 has ever won a case on this please help as im so confused with it all i was thinking to go straight to cba in the morning to see what they had to say , if any1 could help me it would be appreciated so much thanku x

hi just wanted to know how i could find out how many late payment charges ive been charged esp if ive not always paid by credit card thanku

payment is due on a sat and somtimes due to financial difficultes or not being able to get to a phone in time i always get charged £5.00 on top of paying roughly £9.00 for the tv i purchased and being told i had to take out their D L C insurance which was about £7.00 just for the 1 item per week im sure if added up with all the late payments ive paid over the months i would of paid for the tv twice over , im behind on a couple of payments due to loss of hours in work everyday i get a call on my phone and every week 2 or 3 times having them knock on my door im scared to think they will take the tv back after all the money ive payed me and my 2 children sit dreeding the the doorbell ringing incase its them any advice would be appreciated