Thanks I will do, Going to speak to the store manager again tomorrow and see what he say's this time. I just feel really intimidated by him, especially now it's resorted to threats! I've only paid off half of one item and a quarter of the other so I still have to deal with them for a while yet..hopefully minus the OSC!

I read the posts on here advising to cancel OSC, because it was costing me more than I could afford each week, I did as it said on my agreement terms and conditions, I wrote them a letter informing them I was giving them 7 days notice in writing to cancel my OSC which was dated 27/04/2012 to take effect from 04/05/2012. However they have refused to acknowledge this and are now demanding 3 weeks full payment including OSC and charges for me being late with my payment, I am late because I refused to pay the amount with the OSC on and they refused to take any payment without it. They have just been to the house with a van to collect payment/or pick up goods as stated in a note they have pushed through my door..I never answered. I'm wondering where I stand legally though, I should be able to make the payments without the OSC since I cancelled it under the agreement written in the Terms and Conditions surely? But who would I complain to if I wanted to take this further, the manager at the shop just won't accept any payment so effectively it's their fault I'm in arrears, I only refused to pay for the OSC which I have cancelled ..at my wits end here..

I used Brighthouse just before Christmas last year after I had lost my job, gotten a new one but was just getting back on my feet etc and needing something for the kids for Christmas, I was told I had to take OSC and Damage Liability Insurance or I couldn't purchase any goods. However I went prepared with my home insurance documents which includes accidental damage so managed to waiver the Damage Liability even though they were still trying to talk me in to having it. After reading this thread I have wrote to Brighthouse this morning to cancel my OSC which is the big chunk of my weekly payment...I pay £23 a week and £15 of that is the OSC so this will reduce my weekly payment loads and save me some money..thank you! I will say though that I have use BAYV in the past and have had none of the hassle I have had with Brighthouse.