Thanks I will get the SAR sorted out straight away £750 would do more than clear the remainder of the debt their interest rate is 29.9% so it will be around £980. Thanks again

Thanks for the advice everyone I will be registering with TPS now and will look in to the use of automated diallers is permitted in the credit industry anymore to. Also Jason that still doesn't excuse the fact that I was informed by Brighthouse staff that OSC was mandatory under law which was a complete lie just to make money. How many other people are you currently making massive amounts of money off and I'm guessing it's a lot seeing as the OSC on my TV is around the £7.40 mark that's PER WEEK over the last two years. Could anyone give me any advice of how I would go about claiming this back. I will be booking an appointment with Citizens Advice as well regarding this matter.

You can ignore me not reading the post properly it's been a long 36 hours

When did you sign the agreement as under the Consumer Credit Act you have a 14 day cooling off period in which you have the right to withdraw from the agreement as if you never signed any paper work.

I can assure it doesn't represent everyone on jobseekers. There are genuine people who have lost their jobs and they have no choice but to claim JSA and spend a lot of their time looking and applying for jobs and locking them in a building for 8 hours a day will not be help anyone out plus the added cost to the taxpayer to subsidise that would just cost to much it's a stupid idea, so automatically putting these people in the same category as those who do bleed the system for everything and sit at home, drink and take drugs all day is wrong. I'm not saying living a life on benefits is right it isn't I believe if you are able to contribute you should.

I have an agreement with Brighthouse and I have fallen behind by one payment because I was away visiting family over the new year, now I'm being constantly called 12 missed calls since Saturday from 8:30 in the moring to 7:40 in the evening. Would this be breaking the Protection From Harassment act 1997 section 1 prohibition from harassment which is below. Prohibition of harassment. (1)A person must not pursue a course of conduct— (a)which amounts to harassment of another, and (b)which he knows or ought to know amounts to harassment of the other. (2)For the purposes of this section, the person whose course of conduct is in question ought to know that it amounts to harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other. (3)Subsection (1) does not apply to a course of conduct if the person who pursued it shows— (a)that it was pursued for the purpose of preventing or detecting crime, (b)that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or ©that in the particular circumstances the pursuit of the course of conduct was reasonable. I also have dlc and osc but I have tried to cancel the osc with it being "optional" I thought I could but was told by staff that I can not cancel as it is now law that I have to have the cover in case anything happens to item I thought the dlc covered this side of things. Any advice is greatly appreciated thanks