I have looked into the matter in depth and what BANG has said in their reply is exactly correct. Really accurate and professional advice.

Hiya, I am sorry to hear that you have fallen to the feet of Brighthouse. I know exactly how you feel. I have purchased beds, mattresses & a laptop from them. I never miss a payment, infact i pay four weekly. However, i was unwell on the usual Friday when i phone to make the payment, so phoned on the Monday (today). They wanted a huge amount of extra cash from me for what they called "charges". when asked, they couldnt or wouldnt explain exactly what the breakdown of these "charges" were. There attitude was terrible, no customer care, no willingness to help, or to even be nice. Just "you have to pay it and thats that". My advice to you or to anyone else. If you have goods with them, find a way to get the money together and pay them off. then never go near them again. To those who havent dealt with them, do yourselves a favour and avoid them at all costs. BRIGHTHOUSE ARE A TOTALL DISGRACE, THEY BREED ON THE MISFORTUNE OF OTHERS WHO CANNOT GET CREDIT. Points out of 10....... 0!!