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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BRIGHTHOUSE STORES to Sponsor TRISHA TV Show !


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yep pressure is needed.

 

Lefty and i had a convo earlier buy Pm.

 

What i am thinking is maybe CAg could orgainse a small protest buy going to the studio where the show is filmed and start asking awkard questions, this is maidstone in kent.

 

There is aslo offices in Norwich on a very busy business park which i think you may find is were the production company that films and produces Trisha is based. Which is owned buy trisha and her husband. If you check out her site, link posted earlier bu lefty, you will see that it is not going to be a area where it can be ignored.

 

Maybe further conseltation is needed before we do anything daft tho.

 

I think what is needed at this stage is as many letters/emails/phone calls as possible registering objection to this sponsorship - just as Debt on our Doorstep, Steven and I have done. I can bet that there have been a few heated discussions at Town House TV, Channel 5, Brighthouse and Trisha's agent today!

 

We really need to wait and see if channel 5 want to make an "official" statement, as opposed to the response to my email (which, in all reality, would have just been simply written by a customer service monkey), and we also need to see what the Debt on our Doorstep action group present to the media.

 

(Having said that, I WILL post the full contents of the email I originally received from Channel five if I hear nothing by 5.30pm tomorrow!) ;)

 

This is early days...

 

Again, I would like to make clear that it is not so much the fact that Brighthouse is sponsoring a TV show that I (we) object to, it is the way that a particular segment of the population (ie - day time TV viewers, the unemployed, single parents, people on benefit - the SUB-PRIME) have been DELIBERATELY and SPECIFICALLY targetted by Brighthouse...

 

As the media consultancy company AMS said, "70% of Trisha's audience fit Brighthouse's customer profile..." :(

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

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i am what would fit into the subprime ppl but i dont watch trisha. I am only involved as i have read sum horrid stories on here about brighthouse.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I have today received an "official" statement from channel 5.

 

"The following is our official response regarding the sponsorship of Trisha Goddard by BrightHouse, which you can publish.

 

BrightHouse Stores is a well recognised, established trading company which conducts its business practice according to all applicable UK legislation. It is therefore a legitimate sponsorship partner for the Trisha Goddard show.

 

If there is anything further we can help you with, please do not hesitate to contact us.

 

Thank you for your interest in Five"

 

 

This statement is considerably shorter than my original response - which went into much more detail, even saying that "although some people may object to the way Brighthouse conducts it business, this does not preclude Brighthouse from sponsoring a TV show"...

 

I am happy to reproduce the full original email response from five, but in order to avoid any possible problems for the CAG I would appreciate permission from a moderator or admin first. Bigmac versus?

 

and... in other news...

 

Trisha's website has deleted the post by doodchair (Debt on our Doorstep) asking if Trisha now retracts her statement proclaiming she is "delighted to be working with Brighthouse" and a further follow up comment by myself.

 

But for those who missed it - here is a repeat! ;)

 

trisha_forum1.jpg

 

 

Stay Tuned!

 

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

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Nice post on trishas website lefty.

 

I am refraing from posting as i am a bit annoyed atm and i might say summing i regret or cause a large problem for my self.

 

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Evening, and welcome to the late edition! ;)

Firstly I would like to thank Bigmac versus for taking the time to clear up any potential legal problems regarding me reproducing my original (as opposed to the short "official") response from Channel 5.

I suggest you read it a couple of times... There's one particular point that I think is very important...

"Thank you for your recent enquiries regarding Trisha Goddard.

We were sorry to read that you are unhappy that BrightHouse sponsor this programme. This is a legitimate company which conducts its business according to all applicable UK legislation. They do not operate illegally and although some people may object to the way in which they do business, we do not believe that this should preclude them from sponsoring a television programme. Many people are unhappy with other financial service organisations for similar reasons to those stated in your e-mail but this does not stop those companies from advertising on national television.

As a commercial television channel we fund our programming and engineering costs through programme sponsorship opportunities and selling advertising time during the breaks in our schedule. However, this does not mean that we will accept advertising or sponsorship from companies that make misleading or false claims.

Nevertheless, we do appreciate your concerns and we would like to thank you for taking the time to contact us. The details of your comprehensive complaint concerning BrightHouse and its sponsorship of Trisha Goddard have been logged in our Viewer Enquiries Report. This is circulated throughout the company and will be seen by all relevant personnel.

If there is anything further we can help you with, please do not hesitate to contact us.

They do not operate illegally and although some people may object to the way in which they do business, we do not believe that this should preclude them from sponsoring a television programme.

 

So, Channel 5 are well aware of the many, many complaints made daily about Brighthouse - but this does not preclude them from sponsoring a television programme? Maybe not. But it does raise SERIOUS concerns when it is allowed to sponsor a television programme that, by their own admission, has an audience which contains a 70% Brighthouse target customer profile. This is predatory lending showing it's true colours.

With this point in mind, I have today emailed AMS Media - the agency who supplied the research to Brighthouse and Channel 5...

Dear Sirs

I am currently researching an article concerning predatory lending and debt in the sub-prime sector. This article will primarily be for publication on the Consumer Action Group Forums Website, but will also be freely available as a fact sheet to assist Debt advice groups.

I am particularly interested in the hire purchase/retail chain, Brighthouse, and the company’s sponsorship of the TRISHA TV show on channel 5.

I see from a channel 5 press release (enclosed) that AMS Media supplied the research that revealed, “70% of Trisha's audience fit BrightHouse's target customer profile.”

Whilst it is well known that Brighthouse target the sub-prime sector – in particular low-income families, people with poor credit ratings and the unemployed, I am curious to learn how it was concluded that such a large percentage of Trisha’s viewers fall into this category.

Perhaps a more detailed description of “Brighthouse’s target customer profile” could help my research?

I have, of course, also written to Brighthouse, Channel 5 and Town House TV (the production company that makes the Trisha show), and all, with the exception of Brighthouse, have offered official statements (for publication) to assist me.

I would be very interested, and extremely grateful, to receive a statement from AMS Media.

Kindest Regards

Lefty

I would, once again, urge anyone with an interest in stamping out predatory lending, loan sharks, the likes of Provident, Log Book Loans, Cash Coverters and BRIGHTHOUSE to keep putting pressure on Channel 5.

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

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They do not operate illegally
This is true, but only just. A search on Google will show that BH were forced to change their T&Cs by the OFT to make them lawful. IMHO, all BH's T&Cs are just within the terms of the UTCCR1999 but you could argue that the package is outwith the intent of UTCCR1999.

 

 

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Emails to Brighthouse customer service on both

 

[email protected]

 

and

 

[email protected] (as advertised on their website)

 

are bouncing back and undeliverable....

 

Looks like they don't want to receive emails.

 

I have been waiting three days for a senior member from their press office to call me back. No call so far.

 

AMS Media have received the email I sent (receipt acknowledged) but have not replied.

 

Perhaps they just think we will give up and go away?

 

They don't know the folk at the CAG very well, do they! :)

 

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Evening all...

For those of you still following this, I have today lodged an official complaint with the Advertising Standards Authority. It only requires one complaint to instigate an enquiry, but several will make them sit up and really take notice!

http://www.asa.org.uk/asa

If anyone else feels the need to complain also, please do... hint, hint... ;)

This is the main body of my complaint...

I disapprove very strongly to the (advertising/product placement) sponsorship of the TRISHA GODDARD show by BRIGHTHOUSE on channel 5. Although the company’s adverts do not, on the surface, appear to break any ASA guidelines, I believe they are misleading, predatory and clearly aimed at a specific financially vulnerable social group.

Brighthouse is a high street electrical/furniture store and offers hire-purchase credit facilities to anyone – regardless of income, status and credit history. They target, in particular, the “sub-prime” - unemployed, single parents, council tenants and those with previous credit problems. Their stores are usually to be found in deprived areas – places the big banks and building societies have long abandoned.

Brighthouse have, for many years, been the target of several debt and consumer action groups, this due to their predatory lending, high interest rates and very well publicised disregard for consumer law. Also of great concern are their highly questionable contracts, sales techniques, non-negotiable extra insurance policies (often resulting in doubling the original advertised price) and “bully-boy” tactics if customers get into difficulties.

Taking their place alongside Provident (doorstep loans) and Cash Converters (the buyback store), Brighthouse join the top three UK companies that specialise in exploiting the poor and profiteering from poverty.

This is an extract from a recent press release by channel five:

BrightHouse has announced an exclusive agreement with Five to sponsor The Trisha Goddard Show. Research conducted by AMS Media, on behalf of BrightHouse, revealed that 70% of Trisha's audience fit BrightHouse's target customer profile.”

I am outraged to learn that 70% of TRISHA GODDARD’S audience has been profiled by Brighthouse as “sub-prime” or “credit-impaired” and, thus, their perfect “target” customer profile. This is UNREGULATED sub-prime predatory lender advertising.

Furthermore, Trisha Goddard has in the past covered debt and its related issues – and even endorses a debt consultation service. I believe it is highly inappropriate for her show to be sponsored by Brighthouse - and contain at least 8 adverts for the company throughout its one-hour duration. I believe this is seriously detrimental to reducing unsustainable debt amongst the less well off, unemployed and credit impaired.

Thank you.

Stay tuned!

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Sorry to be pessimistic, but the substance of the complaint (in this form) would never be upheld by the ASA, so the volume of similar complaints would be immaterial.

 

The authority are only interested in that any advertisement must not intentionally mislead or be be deceitful - the fact that you don't happen to like what the firm stands for or the market segment they operate in is immaterial to their task.

 

In any event, the ASA has no powers to prevent the company sponsoring the show at all (which is the real issue here).

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What you say is true buzby. Seveal of us have also complained to Chanel 5 (with no success). If they learned that BH were being investigated by the ASA that might make them take a little more notice. Maybe.

 

 

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Sorry to be pessimistic, but the substance of the complaint (in this form) would never be upheld by the ASA, so the volume of similar complaints would be immaterial.

 

The authority are only interested in that any advertisement must not intentionally mislead or be be deceitful - the fact that you don't happen to like what the firm stands for or the market segment they operate in is immaterial to their task.

 

In any event, the ASA has no powers to prevent the company sponsoring the show at all (which is the real issue here).

 

I do accept your point, and did had a good read through the ASA site before registering my complaint (which has duly been acknowledged, by the way.)

The emphasis of my complaint is the company's inappropriate advertising. By their very own admission they are targeting a particular social group, the financially vulnerable, the credit impaired and the unemployed. We all know that is Brighthouse's target customer profile, and their own research found 70% of Trisha's audience fall into this category. (I'd love to see the report that concluded this, and how it reached its findings!!!!)

Their adverts are also misleading - they make no examples of the cost of the items they advertise nor is there any mention of compulsary insurance add-ons (although they do display APR 29.9%). I also think one of their particular adverts is very irresponsible - The one where the young mother says "I didn't think I could afford a new washing machine - but Brighthouse let me pay weekly!" Weekly or not, if she couldn't afford it, she couldn't afford it! And entering into an expensive credit agreement is downright foolish.

Before the ASA was established, advertisements were monitored through the ITC, and their criteria was that adverts should be "legal, decent, honest and truthful".

You cannot apply any of the above to Brighthouse - by any stretch of the imagination.

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

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Now, I'm not supporting any sponsor, but 'inappropriateness' isn't something they deal with, and would be discounted.

 

As for the ITC*, they never had the Decent, Legal, Truthful - this has ALWAYS been the banner of the ASA. The change is that instead of looking after the press only, the ASAs remit extended to commercial TV.

 

As to your specific complaint, we're talking about their sponsorship? In that case they can make their statement in the 5-second 'bumpers' and there is no requirement to provide worked examples of credit deals (although they would if it was a standard 30 second spot, along with the relevant voice over and tiny print)!

 

*Did you mean the ITCA, which provided copy clearance services for advertisers, this has been replaced by the BACC but has no regulatory function - all they can do is recommend.

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As for the ITC*, they never had the Decent, Legal, Truthful - this has ALWAYS been the banner of the ASA. The change is that instead of looking after the press only, the ASAs remit extended to commercial TV.

 

*Did you mean the ITCA, which provided copy clearance services for advertisers, this has been replaced by the BACC but has no regulatory function - all they can do is recommend.

 

Must admit, I'm not 100% sure on that one, but I do remember the adverts that said, "television commercials must be legal, decent, honest and truthful. If they're not, then we're here to "ITC" that they are!" (and then down came a big rubber stamp with the ITC logo) ! ;)

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Another official complaint lodged.

http://www.ofcom.org.uk/complain/ads/

OFCOM have a specific complaint process for TV sponsorship and product placement.

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

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We'll not fall out over it, as it's all history anyway. I'd like to complain to OFCOM about the (now ended) Cadbury's sponsorship of Coronation Street. It kept reminding my wife to buy more of it....

 

 

 

:lol:

 

 

Yip it wont change anything but at least by doing so you feel better, well i do anyway.

Complaint confirmation number given.

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Their adverts are also misleading - they make no examples of the cost of the items they advertise nor is there any mention of compulsary insurance add-ons (although they do display APR 29.9%). .

 

 

Cheers

Lefty

 

Has someone got an example brighthouse advert?

 

Is the compulsory insurance included in the total charge for credit, and hence the APR?

 

Might need to do some reading up...

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Has someone got an example brighthouse advert?

 

Is the compulsory insurance included in the total charge for credit, and hence the APR?

 

Might need to do some reading up...

Here Compulsary insurance is on top of APR ay 29.9%. Often you are pressurised into taking out breeakdown cover as well. Total price inlcuding interest, insurancve etc is more than 3 times what you would pay at Argos or Comet. THis is hidden because of the 'all you pay each week is....' con.

 

 

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Has someone got an example brighthouse advert?

 

Is the compulsory insurance included in the total charge for credit, and hence the APR?

 

Might need to do some reading up...

 

Hi Tomterm8

 

If you haven't done so already, give this recent thread the once over. Very typical of Brighthouse.

 

http://www.consumeractiongroup.co.uk/forum/other-stores/121808-brighthouse-optional-service-cover.html

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

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Here is a typical example - Whirpool washing machine

 

What they don't tell you is that if you don't have house contents insurance you have to take their damage liability insurance out as well. On the example here that will add a further £250 to the total bill.

 

So we have:

 

Cash price - £421.54

INterest @29.9% - £185.30

'OPtional' servise cover - £327.60

Damage liability inusrance £250

 

TOTAL: 1184.44

 

Best price on Kelkoo £335 (plus £35 P&P)

 

 

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