But will the police do anything? This guy says not. Like this guy (who is actually the store manager of my local store) said; he's not technically doing anything wrong - as I have 'his' (Bright house's) property and he just wants it back.

Can't, only got a cheap mobile I did threaten to film him using the webcam on the laptop though and he wasn't bothered.

Right so that guy has just been again after a few days' break. Menacing looking man standing by the van door and this guy knocking my door saying he wanted to take the stuff back. He did agree that he can't do anything without a court order, but said that they won't take it to court until after 90 days. I currrently owe 18 days which is £170-something. He was quite aggressive in his manner, kept saying the same thing over and over (you've got our stuff, that's theft) and also kept saying until they apply for the court order, they WILL keep turning up at my door and phoning. I said if they need to contact me it needs to be in writing and he said BH don't do that. He also kept saying I know nothing about BH and my rights, and when I told him that if he turns up again I will phone the police to get him removed, he said the police won't be interested and won't do anything. So, how much of what he said was true, and what do I do when he turns up again? This whole conversation only lasted 5-10 mins, so if I did ring the police next tie he came round, he'd be gone by the time they turned up anyway. What do I do from here?

Ok, thanks. One final thing - when he turns up again should I answer the door and explain I'm having problems paying? Offer a small repayment? Phone the store? Or none of the above...? I'm just worried if I keep ignoring him/the phonecalls and don't let the store know I'm having problems paying, then it'll go against me if/when it goes to court, but also scared that if I open the door to him he'll manage to get in, either by pushing past me or putting his foot in the door or something.

Are you sure I can cancel the insurances? I thought one was an essential one if you didn't have your own home insuarnce? He's dropped a note through the door each time he's come round asking me to phone him by the end of today, it does have his name on it but he drives a big, white plain van - are you SURE he's not a bailiff?! Why else would he turn up in a van and not a car or BH company van?

Will they still need a court order even though I haven't paid much off my agreements? Should I write to the store/head office/someone to offer a lower payment than they would no doubt ask for? They're visiting almost daily and I can only see that getting worse...need them off my back asap but can't afford to pay everything I owe in one go

Hi, I have three agreements with Brighthouse to a total of £38 a week, only taken out in August but due to an unexpected council tax bill (double the amount I thought, as it had arrears added from a previous property) I missed a week - then once you miss one, it's difficult to catch up with all the charges etc. since I defaulted on Xmas Eve, this one guy has been to my house around 7 times. I answered the door once and told him i would be paid on friday to get rid of him, thursday comes along and he's at my door again, so I don't answer. I also don't answer any of the 30+ calls I get from the per day; I know I'm not doing myself any favours, but can't afford to pay with all the charges that have been added on, and can't afford to get the goods repossessed as I'm a single mum to three young children and can't be without a fridge or a sofa to sit on! Last time I spoke to this guy who keeps turning up at my door, he said they would have to refer for collection and I said 'so be it' kind of thing. He's just been again, spent 20 minutes knocking forcefully and then a further 10 minutes parked right outside my window (there is a communal driveway running past my house) which was very disconcerting. He's left now, but where do I go from here? Can they repossess my goods now, seeing as I've only paid a few months' worth of the agreements? (and my final one was only taken out a couple of weeks ago) Please help, I'm really worried and am having to sit with my curtains closed all day!