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    • An update 2 weeks further-on for the benefit of anyone coming along later in similar circumstances or currently following for a directly related reason.     No response to date from the Hospital, either to original correspondence or subsequent chase.   No response yet from PALS, written-to with all details/copies just a week ago after allowing a period for the Hospital to respond to a chase letter and step-up and have the penalty charge cancelled.   All corres. Special Delivery.     Parking charge reminder received from CPP dated 11 days after original (no contact intended with CPP, less than zero intention of making payment this side of eternity.)     FOI request sent Re. car parking equipment reported-faults - request received and acknowledged.   MP contacted, details/copies provided, moving toward meeting Re their involvement.   To contact press, local radio etc. accordingly.     Watch this space ...            
    • Hi all, apologies for the late degree of replies, I was using a mobile earlier and could not navigate the page very well. I have been trying to reply to each individual reply but cannot see where I can do that and I used "quote" which I am informed is incorrect (apologies if this has somewhat cocked things up)   Anyway I have established a little more info , as per Andy's enquiry, James ( my friend and the client in this instance) has confirmed it was Debt Free Direct who had set up the original IVA but they went into administration and were sold onto a company called Apperture, This is the company that Equity in Finance are supposedly holding any PPI recoveries for.   It transpires that Equity In Finance were "promoted" by Debt Free Direct as being able to recover PPI costs for James on the premise that HE would be receiving any recoveries less their fee for handling the claims, there was absolutely NO transparency that they would be with-holding all funds received for any and ALL ppi claims whether involved or not.   James is calling to see me tomorrow and we are going to check his credit file and also send off SAR's to ALL parties involved in the debacle. This will include, Apperture, Equity in Finance, The IP who handled the IVA and each of the banks/ loan companies & credit card companies he has personally claimed PPI from and also the ones that Equity in Finance have handled directly.   As I say there is definitely a rabbit off somewhere - Equity in Finance have taken / been sent every penny of the PPI recoveries including the ones that they have had no involvement in and the most recent being just in the last 4 weeks, despite the IVA being advised as closed in 2013 !!   even on the initial debt of £17000 plus fees ( currently shown on debt free direct website @ circa £3500 - yes they are apparently trading again !! ) the payments made under the IVA and the recoveries under PPI  have totalled been more than £40k so James is owed a hell of a lot of money which I can see no way that these companies are legally with-holding from him.   Lets see what the SARS bring in and then we will have a more defined basis of EXACTLY what we are looking at    Thanks guys for the initial advices - I will keep you all up to date on developments but any advices in the interim would be greatly accepted    Just a few links for reference :-  https://www.credit-connect.co.uk/commercial-news/corporate-insolvency/debt-free-direct-sold-aperture/   Debt free directs current ?? website https://www.debtfreedirect.co.uk/   Debt free direct confirmation of average fees and how paid   https://www.debtfreedirect.co.uk/fees
    • I have known some just take their commision direct from the account......as long as they are only invoicing you thats fine...ignore their invoices.
    • Weak and very unlikely to be successful...... Edit to suit......     IN THE ******* county court Claim No. *********** BETWEEN: Claimant AND Defendant ************ _________________________ ________ WITNESS STATEMENT OF ********** _________________________ ________ I ******, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in the claim. The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts person in the opening paragraph.It is my understanding that they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act. 1. I understand that the claimant is an Assignee, a buyer of defunct or bad debts who are based in Jersey, which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income as confirmed in the claimants witness statement exhibit by way of the Deed of Assignment As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 2. On or around the ******, I received a claim from the County Court Business Centre, Northampton, for the amount of £****.The claimant contends that the claim is for the sum of £X in respect of monies owing under an alleged agreement with the account no. XXXXXXXXXX pursuant to The consumer credit Act 1974 (CCA).The particulars of claim fail to state when the alleged agreement was entered into but their witness statement states it was 1994 23 years ago. 3. Contained within the claimants particulars the claimant pleads that The defendant has failed to make contractual payments under the terms of the agreement and that a default notice has been served upon the defendant pursuant to S.87(1) CCA. It goes on to evidence a default notice in their exhibits which is provided by Mercers and not the actual creditor Barclaycard themselves.It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement. Given that Mercers are in fact a Debt Collect Agency they cannot be considered to be the creditor or owner of the regulated agreement. 5. On the xxxxxxxxI made a formal written request by way of a CPR 31.14 to the Claimant solicitors requesting that the Claimant provides copies of all documents mentioned in the statement of case [EXHIBIT A].  6. On the xxxxxxx I made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974 [EXHIBIT C]. The claimant has since disclosed a copy of the application which purports to be the agreement within its witness statement at point 5 exhibit HT1 and admits its very poor quality.It is averred that it is impossible to read and illegible..the court is invited to try and decipher the contents and in particular the prescribed terms pursuant to section 78 CCA1974 and sec 61 (1) c of the CCA1974. The claimant tries to get around the poor quality by trying to rely on Carey v HSBC.Carey V HSBC is irrelevant in this matter and only applies to the giving of information under section 77/78/79 and is not retrospective to agreements entered into pre April 2007.I therefore contend that section 127 (1 and 2) accordingly applies in this case. 7. Furthermore the author of the witness statement at point 6 then tries to introduce a reconstituted version of the agreement (exhibit HT2) which is no more than a set of Terms and Conditions and in no way comply with the prescribed terms of a reconstituted version which they have previously tried to rely on at point 5 of their witness statement. 8. The Claimants pleaded case is that the Defendant entered into an agreement with HSBC under account reference **********. I am uncertain as to which account this refers to. It is accepted that I have had banking products with Barclaycard in the past however I have no recollection the alleged account number the claimant refers to. Therefore the claimant is put to strict proof to disclose a true executed legible agreement on which its claim relies upon and not try to mislead the court. Until such time the claimant can comply and disclose a true executed copy of the agreement they refer to within the particulars of this claim they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974.  Statement of Truth I, ********, the Defendant, believe the facts stated within this Witness Statement to be true. Signed: _________________________ _______ Dated: _________________________ _______[/QUOTE]  
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Lefty

CAG BRIGHTHOUSE Consumer Fact Sheet

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The CAG factsheet has just been updated slightly to reflect the increase BrightHouse have recently imposed on their late payment penalty charges.

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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However, even though the goods belong to BrightHouse at all times, this does NOT mean they can just stroll into your home and remove them if you get into payment difficulties. Unless you have actually consented to their removal, BrightHouse cannot legally remove (re-possess) them until they have:

 

a) Issued you with a default notice (in writing)

b) Given you an opportunity to put matters right (at least 7 days)

c) Applied for (and been granted) a court order

They need to allow 14 days from service Lefty not 7 days. 2 days are allowed for service if the notice is sent by first class mail.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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They need to allow 14 days from service Lefty not 7 days. 2 days are allowed for service if the notice is sent by first class mail.

 

Hi Rory

 

Just quoting from the OFT guide to Hire Purchase - you'll find the time frame may well be slightly longer for a traditional consumer credit credit agreement. (There are quite a few subtle differences when it come to Hire Purchase).

 

OFT Guide to Hire Purchase

 

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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This is a really informative article. I came across it on this website after learning about a news of the world article. There was an email released throughout brighthouse to be brought to the attention of all employees to counter specific remarks in the news of the world article.

 

I was recently recommended by a friend to take a job at BrightHouse. So I did and came upon what is supposed to be one of the most successful branches in terms of customers per square foot of shop floor space.

 

I was told in my interview about BrightHouse, specifically, one detail stuck in my mind about how the store location was decided. "Streets with charity shops on are a good start".

 

Always having worked in IT I had not experience in retail or sales so did not know what to expect. The induction consisted of a lot of reading about the company and their operations and a bombardment of propaganda and justification for their "optional service cover".

 

I said, "Ok" and moved on.

 

Watching the sales assistants work on the shop floor I noticed that there was very little to the sales process for existing customers. It was basically a case of:

 

"Hi Joe, want a TV?",

"Yeah, sure I'd like a 37"",

"We've only got a 47" or a 32"",

"I'll go for the 47" then",

"Sorry, I can't sell you that one....So 32" then",

"Alright."

 

And that is in no way a simplification, I have heard a conversation like that on more than one occasion.

 

Goods are being pushed out on agreements like this with little regard for anything else other than the weekly sales targets. Sometimes a customer can not come into the store to make a payment without leaving with a games console or some shifty item of refurbished furniture. I know that I have seen some customers looking very uncomfortable in sales situations inside the store.

 

I think new customers are made to feel as if they are under scrutiny and they are certainly looked at under suspicion. "Guilty until proven innocent".

 

Meanwhile in the back office the Account Rep (Debt Manager) is on the telephone throughout the day desperately trying to claw back monies due on goods sold to customers who simply, couldn't afford it, or never were reliable anyway.

 

Seems like a big silly see-saw to me.

 

OSC seems extortionate to me. It is surprising how much it raises the price, The service I have seen is sub-standard. I have seen laptops come back "serviced" with the faults un-resolved. I have seen damaged white goods "serviced" sent out and come back the same day. I have seen the same (old) Xbox 360 (the old ones (with the wired pad and no hdmi output) had some fault where something burnt out inside and a red ring of light is displayed on the front) ping-pong from store to customer to store o service to store to customer...

I try not to think about it.

 

When I speak to collegues about OSC, they genuinely beleive it is the best thing ever, forget sliced bread.

When I questioned other aspects of their operations I was always met with answers like, "Because it is.". Not very helpful.

 

Not wanting a lobotomy myself I am glad I have evaded the training course so far.

 

The only person I managed to get a real discussion about my concerns with was the store manager. When I explained my strict (personal) moral code and what I think of BrightHouse he answered with something along the lines of.

 

"If you don't beleive in BrightHouse and what we offer. If you are ashamed to say you work for BrightHouse, then guess it is not for you."

 

And he is right, it isn't.

Edited by interpolite

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"If you don't beleive in BrightHouse and what we offer. If you are ashamed to say you work for BrightHouse, then guess it is not for you."

 

And he is right, it isn't.

 

He's sure is! You sound too good for the likes of Brighthouse :D Welcome to CAG by the way, and thank you for your comments - much appreciated.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Just quoting from the OFT guide to Hire Purchase
Those guidelines are from 2005. The statute changed from 7 days notice to 14 days on the 1st of October 2006.

 

The notice period is no different for HP agreements than for other consumer credit agreements.

 

Please see the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) as amended:

 

3

A specification of:--

 

(a) the provision of the agreement alleged to have been breached; and

 

(b) the nature of the alleged breach of the agreement, specifying clearly the matters complained of; and either

 

© if the breach is capable of remedy, what action is required to remedy it and the date, being a date [not less than fourteen days] after the date of service of the notice, before which that action is to be taken; or

 

(d) if the breach is not capable of remedy, the sum (if any) required to be paid as compensation for the breach and the date, being a date [not less than fourteen days] after the date of service of the notice, before which it is to be paid.

 

And schedule 2 of The Consumer Credit Act 2006 (Commencement No.1) Order 2006.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Interpolite.

 

And welcome!

 

Great insight, especially as I was right, nothing has changed at all!

 

And they say they have grown into a better organisation! They don'tgro, they only spread, like a virus!

 

PJ


PlumberJon :-D

 

UNUS VIR OBVIAM ORBIS TERRARUM

 

Are you being harrassed by a DCA or Brighthouse. Click the link for OFT Debt collection guidelines. Chances are, they could be in breach of some part of sections 2 or 3 or both!

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

 

I just give advice, I can't do it for you though!!

 

If you were helped, then please wiggle my scales, and you might get a wiggle back!!!

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Is it now a condition of employment for BH that staff must now log on this forum and try to defend the company they work for?

I've just noticed this comment.

 

Although I don't at all like BH's style, they may well have some employees who believe in the company and it is entirely reasonable that they come onto this site and express their opinions.

 

I don't think that they should be knocked down for that


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Exactly Bankfodder, it wouldn't be a discussion, if there were only one side to every story.

 

I would suggest that in fact it goes further though, in as much as the directors of BH regularly monitor the forums too!


PlumberJon :-D

 

UNUS VIR OBVIAM ORBIS TERRARUM

 

Are you being harrassed by a DCA or Brighthouse. Click the link for OFT Debt collection guidelines. Chances are, they could be in breach of some part of sections 2 or 3 or both!

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

 

I just give advice, I can't do it for you though!!

 

If you were helped, then please wiggle my scales, and you might get a wiggle back!!!

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Those guidelines are from 2005. The statute changed from 7 days notice to 14 days on the 1st of October 2006.

 

The notice period is no different for HP agreements than for other consumer credit agreements.

 

Please see the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) as amended:

 

 

 

And schedule 2 of The Consumer Credit Act 2006 (Commencement No.1) Order 2006.

 

Thanks for picking up on that Rory. Have ammended the factsheet accordingly!

 

Appreciated

 

 

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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This is a really informative article. I came across it on this website after learning about a news of the world article. There was an email released throughout brighthouse to be brought to the attention of all employees to counter specific remarks in the news of the world article.

 

 

Hi interpolite. Welcome to CAG. Thanks for your post. Very informative, too.

 

I must say, though, the part of your quote I have highlighted in bold I find a little hard to believe... Having said that, there ARE a high proportion of, quite clearly, BrightHouse employees contributing to the comments...

 

A national company the size and status of BrightHouse surely don't need their staff to provide unregulated and unapproved PR comments to the media? In my experience, one thing BrightHouse always take great care over is what they DO and NO NOT say to the media... They ALWAYS provide very carefully written and meticulously prepared statements...

 

As has been seen here (CAG) on many occassions, over enthusiastic BrightHouse staff have logged onto these boards and done more harm to the company in five minutes than even the most steadfast anti-BrightHouse campaigner could ever hope to achieve in a year!!! (not disagreeing with Bankfodder, of course. I, too, welcome balanced debate on this forum)

 

 

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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I must say, though, the part of your quote I have highlighted in bold I find a little hard to believe... Having said that, there ARE a high proportion of, quite clearly, BrightHouse employees contributing to the comments...

 

I assure you that this happened this Monday morning. Happen it had not been sent I am sure a lot of employees would have been un aware of an article in the news of the world. It advised on how to approach questions regarding the article customers may have read in the news of the world.

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I assure you that this happened this Monday morning. Happen it had not been sent I am sure a lot of employees would have been un aware of an article in the news of the world. It advised on how to approach questions regarding the article customers may have read in the news of the world.

 

OK. Thanks for the info... (by the way, I wasn't saying I didn't believe you, just that it was hard to believe BrightHouse would act in such a way.)

I still await the company's official response with great interest.

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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3 - DAMAGE LIABILITY COVER (DLC)

“Damage Liability Cover” insurance policies are underwritten by BrightHouse themselves (through associate company Caversham Insurance (Malta) Ltd), and added to your hire purchase agreement as yet another additional weekly/monthly payment.

 

“…We may require you to take out Damage Liability Cover if you do not have home contents cover…”

 

Actually, there is very little “may require” about it. This additional insurance policy (around £250 on a £800 cash price product) is loaded AUTOMATICALLY and will only be removed if you can supply proof of "suitable" home contents insurance. (Of course, BrightHouse reserve the right to determine what is and what is not "suitable". In fact, very few home contents policies will specifically include items subject to a hire purchase agreement, and agree to settle with the finance company in the result of a claim.)

 

Nevertheless, you are led to believe this insurance covers the goods for damage, theft, fire, flood etc. But, unlike “real” home contents insurance it WILL NOT provide you with any replacement should it become necessary (not even like-for-like), and will only ever, at best, release you from your agreement with BrightHouse. You end up with NOTHING. In fact, you may even end up with a policy excess to pay (up to £100 in some cases) particularly on portable items – laptops, cameras and game consoles for instance.

 

Furthermore, in the event of a claim, the store manager will have the final say as to whether the policy should apply. He may, for instance, decide the goods where stolen or damaged because you didn’t secure or look after them adequately

 

Most people - even those who live in "high risk" insurance areas - can insure the entire contents of their home for less than BrightHouse charge for Damage Liability Cover on a single item!

 

“…It is a term of our contract, and in the interest of the customer, that the goods are insured. If a customer has home contents insurance this may well provide the necessary cover. Where a customer does not have home contents insurance, they may obtain cover through our Damage Liability Cover. Damage Liability Cover extends insurance cover on the product payments. Damage Liability Cover means that in the event of products being damaged by a fire, or accident, any outstanding payments on a valid claim will be waived.”

 

Basically, “Optional Service Cover” (above) and “Damage Liability Cover” is just one big payment protection policy split into two (thus disguising its true purpose) and, typically, BrightHouse will rely on your lack of knowledge and understanding when applying it. The two policies combined – and based upon a typical £800 cash price product – will eventually add around an extra £850.00 to your agreement.

 

With this in mind, and taking into account the inflated “cash” price and 29.9% APR, it means that, on average, goods purchased from BrightHouse, with Optional Service Cover and Damage Liability Cover policies attached, will end up being almost FOUR times as expensive than if you had purchased them (outright) elsewhere. By their own admission, BrightHouse claim that around 90% of their customers have Optional Service Cover and Damage Liability Cover attached to their agreements.

 

(You can view a full copy of BrightHouse Damage Liability Cover Terms and Conditions HERE (Adobe Acrobat format - opens in new window)

 

 

 

And furthermore, BH will take great pleasure in telling you that if you are behind with your payments, as your DLC and OSC are weekly renewable services, then they will NOT be in force!

 

So if something happens to your item, it WILL NOT be covered!

 

And you have been paying all this money for nothing!

 

So the solution is to try a get your own household contents insurance. As Lefty has already said, even in some of the most crime stricken communities, it is still cheaper to get your whole house insured than one item's DLC at Brighthouse, especially when you consider the added benefits, such as:

 

1) you will cover all the items in your house

2) portable items will be covered when out of the house ie, cameras, jewellery, laptops etc

3) certain policies may be new for old replacement

4) THE BIGGY - even if you are late at BH for the item and you need to make a claim, then as you are paying your insurance elsewhere, it WILL STILL BE COVERED!

 

Obviously you have to read the small print and make sure your insurance will cover everything you need it for, but this is the best way, and no matter what happens with BH, you will have a better REAL insurance that will give you total peace of mind!

 

So ask your insurance provider, and when enquiring, make sure you are covered for items that you are responsible for that are subject to a Hire Purchase agreement.

 

PJ


PlumberJon :-D

 

UNUS VIR OBVIAM ORBIS TERRARUM

 

Are you being harrassed by a DCA or Brighthouse. Click the link for OFT Debt collection guidelines. Chances are, they could be in breach of some part of sections 2 or 3 or both!

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

 

I just give advice, I can't do it for you though!!

 

If you were helped, then please wiggle my scales, and you might get a wiggle back!!!

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Well i just got my last wage a couple of weeks ago along with my p45 to find out that my "lovely ex manager" has charged me for not returning the uniform to store (i returned it to another local branch) My final wage was minus £100 can u believe it.

While i worked there i saw numerous staff come and go if they didn't meet their targets not one of them returned their uniforms and certainly didn't get charged like i did.

If i knew that she wasn't so far up the area mangers backside i would most certainly taken it further but what chance do any of us stand against a company like this.

Still looking for another job at the moment very hard to come by. But still glad i'm outta there, It seems she got her wish of having an all male store as i walked past the other day i had been replaced with yet another guy.

All the other staff i worked with was great, sometimes they may seem stressed but they will with cruella breathing down their necks "profits targets 60 + new agreements. Its a joke and i'm well out of it.

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Hi, i may have read somewhere on this site you where doing a Buy As You View fact sheet. Is this true and if so could you point me in the right direction. Thanks in advance x

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Could we have a update on this thread for Bright house please.

 

 

They have now changed the way they work....

. The over priced insurance is now included in the price of the goods

and you no longer have a choice to take it or not.

 

They refuse to give you a break down of the cost of the goods and insurance and say you can only buy goods off them with it included.

 

The late fee payment is now £5.50 per agreement and if you have any thing in the yellow money

(extra money pushed as a place to save) you no can no longer take it out.

 

Seems to me they are breaking the consumer law on several points and since we no longer have OFT are just taking the pee.

 

A friend whom I was unable to talk out of buying from them, just bought a Xbox one through them costing over £1500..... retail price £389 from PC World.co.uk

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BH did this last September

plenty of threads on it already

 

 

dx


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