Afternoon Lills66, Thank you very for the above comments. If you would like to make a request for a SAR i can confirm that you would need to address this to the Customer Relations Team and post is to our head office, please note that there is a £10.00 administration fee for any SAR requests. I am sorry to hear that you no longer wish to be a customer of BrightHouse. If you would still like to go ahead and terminate your account you can arrange this with your local store. Thank you very much for your custom over the years we do really appreciate it. Kind Regards,RenBrightHouse Web Relations Team

Morning lills66,Thank you for your reply.As we have your details we will be liasing with you via email as requested.Kind Regards,RenBrightHouse Web Relations Team

Good Morning, Thank you for taking the time to contact us. I hope i will be able to answer the questions raised and provide further information on our insurance policy and how the APR is calculated. APR We use a representative APR, starting from 69.9%, however some goods may have a higher APR. The APR is set at the date the agreement is created and fixed for the duration of the agreement, please note that your personal APR will vary and is based on your credit rating and repayment history. The interest is calculated daily and is based on the outstanding balance. This means that each weekly payment is made up of capital and interest. The interest payment would therefore be a bigger percentage of the weekly payment at the start of the agreement and a lower percentage as the customer gets to the end of the contract as the capital balance reduces. Please note that this is standard practice for consumer credit providers. Insurance Hire purchase agreement with BrightHouse contains an obligation to keep the relevant goods insured at all times against loss or damage caused by fire, theft or accident. You may have, or be thinking of buying, a household contents or other policy that will do this, which is perfectly acceptable. As an alternative, BrightHouse's Product Insurance Cover is available and provides cover for loss arising from the theft of your hire purchase goods or any loss or damage to them caused by fire or accident. In addition all customers who choose to take their insurance with BrightHouse also have the opportunity to change their minds within the 14 Days Cooling off period to cancel their insurance with us and provided us with proof of household contents insurance. I hope i have been able to answer your questions. For further information please contact us on 0800 526 069 and we will be happy to help. Kind Regards, Ren BrightHouse Web Relations Team

Good Morning lills66, I would just like to confirm that we received your email yesterday and the Head of Customer Relations will be in contact with you at some point today to discuss the APR with regards to your agreement. Thank you very much for taking the time to contact us and we will be in touch shortly. Please feel free to contact us at anytime on 0800 526 069 quoting your reference number and we will be happy to assist you. Kind Regards, Ren BrightHouse Web Relations Team