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Everything posted by grahamroo

  1. Is this the direction to deal with all hire purchase companies? As they have items with bayv as well with just a handful of months left on 3 year agreements too..so far bayv have not gone to the extremes of perfect home as yet.
  2. Thanks for the advise, I thought along these lines.. just needed some clarification on the best way in handling this.
  3. Perfect home problem if any one can help. My friend has a sofa with them 1/3rd paid, they had a benefit change earlier in the year around July time and things got interrupted then onwards due to the time scale the change took. Priority debts are being paid but finding it difficult to pay perfect home the required amount. Last Monday another 'visit' took place where the foot soldier announced if payment was not made this week a bailiff would come to remove the sofas. even a message relayed through their 7 year old son who answered the door around 4 30 . The tone
  4. Thank you all for your advice and help. I will gives updates when i have them.
  5. nope nothing at companies house:???:
  6. thanks for the reply's, i am starting to agree with the judge Rinder comment ). I have done some digging on this i went on the charitycommission.gov.uk and it is not listed there, And i cant find a official address for the organisation, it seems to be run from a facebook group/page.
  7. As far as I know they just plan on sending Joe bloggs in a car. A volunteer to do so. As for reasons they are just petty a disagreement, fall out where the so called manager is always right and beyond reproach and selfishly acted in this way.
  8. I have what is probably a odd situation, if someone could advise or help i would be most grateful. My wife has been working voluntarily for a dog rescue, she was fostering a dog then we decided to adopt, the fee is £165, we have paid £95 of this through weekly payments to make it more affordable, now the person whom runs this rescue has fallen out with my wife and said shes taking the dog back! where do i stand legally? if at all? this has upset the family greatly. No paperwork has been signed, its seems to have been on trust, all receipts of payments ie bank transactions i have. An
  9. Nearly 4 weeks have passed now I have no recognition of my complaint or that it is even being looked into even though i understand 8 weeks is the usual limit but not having any confirmation of having received my letters does not seem good practice. I have had no more visits to my home or any phone calls to my landline which is pleasing but in the last couple of weeks a few calls have been made to my mobile which sounds like from a call center if they have such things, again i stated my position but was fed the same BS my local store was talking about, now i ignore that number. My
  10. i managed to return my sofas today, so that's one less headache and i received a notice if sums in arrears for my items in the post, where i find the amount in arrears on the front page for the hire purchase then addition on page 2 i am shown to be in arrears on dlc and osc plus late fees!! I still have had no written confirmation of acknowledgement of my letters or been informed that my complaints are being looked into, the e mail i received from the FCA said i should at least get a speedy reply that my problems are being investigated so i am still in the dark there, but still silent
  11. Official complaint and another offer of interim payments were sent Monday Registered post to both my local store and Head Office, i have had confirmation e mail of the letter received to head office from the brighthouse web relations team whom i thank for getting me confirmation. Also had communication with FCA who were helpful and gave me timescales etc of how to pursue matters but cannot become involved in individual disputes, but i thought it be worth to make them aware of my problems and have a case reference with them. Things have been quiet this week so far as my letters requested n
  12. things got heated today, silly me had a fall and damaged my shoulder thus needed to go to A and E for x ray. .in meantime store manager calls my home and speaks to my wife, he tells my wife that if no contact or payment was made by 9 30 Monday morning the collections team are coming for all our stuff and does not believe a word that comes out of my mouth and that i am a liar, this again upset my wife. On my return from hospital i angrily called the store, stating that he has no right speaking to my wife in that manner, i did swear oops. i again stated my financial situ
  13. ok thanks renegadeimp i will save all monies i offered as part of a weekly repayment into my arrears. i have official letters from DWP and inland revenue stating my current benefit circumstances do i produce copies for BH to show i am not making this up? I personally think it is none of their business but i am willing to show anything which supports my situation. My full JSA entitlement does not start until week starting 23rd June so anything resembling a near full payment i wont receive until 28th June which means a total of 3 weeks x 20 pound will be availabl
  14. ok..progress report, had a visit last Saturday from my local store manager saying that brighthouse don't accept repayment plans because its a hire purchase agreement and that the store had not received my letter and that brighthouse don't deal with letters anyway. he offered to extend my tv from 35 weeks remaining to 70 weeks to reduce the payment on that item. and to offer me a reduced sofa option. reluctantly and probably stupidly I verbally agreed to this RE-WRITE on my doorstep. In the meantime i have being trying to sort out my benefit but i can only get 2
  15. ok i have all missed calls kept in my phone, including the 14 since i requested no more. i have actually gone to the bother of having my landline number changed. and saved the little notes posted through my letterbox too. I will keep this ongoing log then. i fully intend to pay the 20 pound on Tuesday if they accept or not is another issue.
  16. i took my son out to a friends house this afternoon to return to another note through the letterbox instructing me to call asap, i think i will carry out my threat of contacting the ombudsman to complain at least, not really sure how to make a harassment claim though, i guess through the police, but sounds a bit silly and i dont know the legal outlines on this
  17. progress report so far.. I sent a letter to my local store Monday where i offered a payment plan of 20 pound a week to pay into the arrears less Dlc OLc until my first benefit payment next Saturday 14th June then i can pay fortnightly amounts plus the 20 towards my arrears, i thought that was a reasonable offer. and asked for no more phone calls and to remove my telephone number from database and asked for written communication only and asked for confirmation of that. Now i stand at Friday, 10 missed mobile phone calls on Thursday, a nd a NOTE posted through m
  18. everything i have logged since last Thursday. 5 calls Thursday and one visit, 6 calls Friday and a whopping 9 calls Saturday which one was taken by my wife and reduced her to tears. Today unplugged house phone and switched off mobile all day so dreading the missed call count when i switch back on.
  19. letters have been sent to my local branch and head office regarding complaints and the way that i want to move forward, and i have requested a subject access request as far as the opening step to reclaiming OSC goes. the level of calls i have had borderline ridiculous and in any other walk of life a person making that level of unwanted phone calls would get a visit from the police. I have been able to arrange replacing my sofa by the end of this week so they can collect at a time which is convenient to me, then all i have left is 2 items which will be paid by the end of December. Its a sh
  20. I have my letters done, as far as the store goes do i post it? hand in store? or give it to one of the goons who will no doubt come calling sometime today or tomorrow.
  21. i am preparing two letters one to my local store and one to head office asking for no more phone calls and to accept my repayment plan and asking for OSC and DLC to be refunded to my account and i will contact the FCA to inform them of my problems and i was thinking of contacting the financial ombudsman? are they likely to be any assistance i think that is covering all bases if anything else i have missed please point me in the right direction. Thanks to all for your advice so far
  22. 3 missed calls on my mobile in the last 20 mins as left my phone upstairs. do i get angry or just ignore
  23. Had a call this morning at 8 10, my wife took the call and was told i have until Monday to resolve the problem with either a re write which i still cant afford or pay the outstanding balance or they will collect my sofas, now my wife is upset certain that they will take them away. I wish i never got involved with these crooks in the first place.
  24. i had a visit this afternoon from man in a white van asking me about my account he mentioned about taking my items into storage whilst waiting for payments as a possibility. he was a guy who i have seen in store before, to be fair he was polite and not confrontational but again i explained i have no money to pay until my recently applied for benefits come through. I was told i will be telephoned again tomorrow afternoon. after that who knows what they have planned next.
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