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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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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.

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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!

 

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

 

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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...

 

CAG- The Nation's Weekly Info Store!

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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!

 

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

 

CAG- The Nation's Weekly Info Store!

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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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