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    • sorry to be blunt but you've ticked the PPI box!!... what made you do that? theres nothing there that appears to me that even indicates why you should tick that? so why the beep did you do it...   now the fact that latterly you werent sent things like T&C's etc to mull over you decision for PPI is somewhat secondary, you wouldnt of realised it was not suitable to you  so thats why im saying none of you points are concrete. scattergun attack on PPI like this always fails.   this is why im saying the only chance you might have is by now indicating you realise that it was never necessary and that THEY didn't check the info they got. i'e..your employers benefits far outweighed the benefits of the PPI policy, thus it was missold. sorry if the files below are dupes there are issues with my remote server. GISC + ABI code info case omb-decision-C.pdf local council employee PPI reclaimwon.pdf PPI council employee PPI reclaimwon.pdf
    • I'd have thought [2], [3], [4] and [5] were fairly solid reasons for claiming the PPI was mis-sold. Would be interested to know why you think otherwise.   In any case, postal application attached below. As ever, would welcome any thoughts. Cofidis application form-min.pdf
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Lefty

BrightHouse OSC and DLC Terms and Conditions

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2470 days.

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BrightHouse Optional Service Cover and Damage Liability Cover Terms and Conditions.

 

I have been able to borrow a recent BrightHouse agreement, so took the opportunity to scan the terms and conditions. This has been quite a long process, because the one thing that Optical Character Recognition software has trouble with is text formatting within contracts! :confused:

 

So after a lot of correction and re-formatting, here ya go! I have made them available in Adobe PDF format for easy download (opens in new window). If you would prefer a copy in MS Word, PM me and I'll get it to you.

 

Please note. These files are NOT hosted by CAG.

 

 

 

OPTIONAL SERVICE COVER Terms and Conditions

 

Interesting read this one. No mention anywhere of returning your product at any time. It is just a simple (non insured) service contract. (Plus it's totally worthless because BrightHouse can simply end it if they feel like it!)

 

 

 

DAMAGE LIABILITY COVER Terms and Conditions

 

More interesting reading... Now we know why BrightHouse, as a company, doesn't appear to be regulated by the FSA! DLC policies are underwritten by Caversham Insurance (Malta) Ltd (a sister company of Caversham Finance, which owns BrightHouse!)

 

Oh what a tangled web we weave...

 

Watch out for the policy excess on portable equipment, and if your goods are ever stolen they won't pay out unless there is forced entry! :eek:

 

...And to complete the set, here are the complete terms and conditions applied to a standard BrightHouse Hire Purchase Agreement

 

BRIGHTHOUSE HIRE PURCHASE TERMS AND CONDITIONS

 

OK, now a couple of things spring to mind... Firstly BrightHouse have recently been awarded "corporate membership of the Plain English Society", I'm guessing that these contracts weren't part of the appraisal process!!! :o

 

And secondly, customers are expected to have fully understood all the terms and conditions in the agreements they sign at the point of sale...

 

"STATEMENT: All charges, terms and obligations in every agreement we make with our customers are explained in easily understood language in a personal presentation in store before the agreement is signed. We then test customers on their understanding of the agreement..."

 

What do YOU think?

 

 

 

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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and if your goods are ever stolen they won't pay out unless there is forced entry! :shock:

 

That applies to EVERYSINGLE insurer possible Lefty. Even your Home Insurance will state that.

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That applies to EVERYSINGLE insurer possible Lefty. Even your Home Insurance will state that.

 

Not strictly true. Have you not heard of "all risk" items or policies?

 

I know of a case where BrightHouse refused a DLC claim because, in the store manager's opinion, the customer should not have left her house empty whilst on holiday...

 

BrightHouse DLC insurance isn't "real" insurance, and you know it!

 

 

With respect

 

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 know of a case where BrightHouse refused a DLC claim because, in the store manager's opinion, the customer should not have left her house empty whilst on holiday...

 

And that has what to do with forced entry?

 

If the claimant was on holiday at the period in which his/her goods was stolen the Burglar must have either A) Forced their way in (provided s/he locked up of course.) or B) Had the key.

 

Now if the burglar had the key yes the claim may still be valid, however it is unlikely that a pickpocket can steal a key AND know which house it opens.

 

Also in the case that the claimant accidentally left his/her house unlocked whilst on holiday and was thus stolen from, well matter of factly its their own darned fault.

 

Meaning Well;

 

Artie

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And that has what to do with forced entry?

 

If the claimant was on holiday at the period in which his/her goods was stolen the Burglar must have either A) Forced their way in (provided s/he locked up of course.) or B) Had the key.

 

Now if the burglar had the key yes the claim may still be valid, however it is unlikely that a pickpocket can steal a key AND know which house it opens.

 

Also in the case that the claimant accidentally left his/her house unlocked whilst on holiday and was thus stolen from, well matter of factly its their own darned fault.

 

Meaning Well;

 

Artie

 

I will say again, a BrightHouse DLC policy is NOT real insurance, and you know it!

 

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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thanks lefty you have helped save me from £2000 of debt with brighthouse:) keep up the good work

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Thanks PJ :D


:)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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can any one help me!...iam looking in to this for a freind who is beside her s i lf.said i wud give this site a go 4 her as i have so much help here my self...so here is the problem she is 9 weeks away from finishing her account with them but is in £100 arrears they are sying that they will be out in next few days to remove all goods that belong to them because she can not repay the arrears and weekly payment as soon as can they do this!!! please help if u can soi can put her mind at rest

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Hi

 

Your probably best starting this in a new thread, see below:

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=164

 

If you click on the above and choose a subject line and copy your query into it, I will comment and it will get you noticed.

 

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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hi lefty can you send me a copy of brighthouse agreement in mw cheers;)

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Hi,

 

Can someone please re-up all the Brighthouse documents please. They have all vanished from the Consumer Wiki. Have a friend who needs help. :-)

Edited by ErAs99

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im here looking for help regarding the OSC and DLC part of teh agreement i can upload copies of the agreement i took out on 10/12/2011 if its any use to anyone for scanning through the smallprint. ???

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hi does anyone have a recent copy of the terms and conditions in concern to Brighthouse's terms and conditions on hire purchase thanks, cant seem to find it on their website (not that I expect to )

thanks

Donna

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should i remove this cover?

 

They seem to bump the prices up of items.

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should i remove this cover?

 

They seem to bump the prices up of items.

 

Defiantly remove both covers ! (you will need a home contents insurance policy to remove dlc) but it would cost you a lot less and be better than brighthouses dlc. The dlc is not a propper insurance cover ...infact it is totally useless and covers nothing!! The osc, you can cancell with 7 days notice. Osc is an overpriced extended service cover which is almost forced upon customers and the salesperson is expected to sell it with every sale . It is extortinatley priced and serves to make up the loss of revenue on "skips" people who don't pay .

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Hi i have lost mobile phone lastnight when i was out with friends , i dont know if i have lost it myself or it has been taken from my bag . i have been intouch with my network provider that i have lost phone and they have put a block on it , but im wondering what i will say to brighthouse tomorrow morning when i ring them, as i do not have there dlc cover but i have my home insurance , does anyone know whether this is covered and also whether i have to report the loss to my insurance company or whether brighthouse contact them

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The links to the external documents appear to be either broken or removed !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If your home insurance includes external insurance then your phone is insured,,,,Brighthouse DLC and OSC is a complete waste of time,,,I bought a laptop from there and would have ended up paying £656 in insurances so I refused them both,,All electrical goods (new) are covered by the makers guarntee for the first year anyway..my bill started at 14.94pw and now I have removed their useless dlc and OSC it is only 8.44 pw,,big difference :)


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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my mum wrote to cancel the OSC and DLC on some items and they said she has to come into the store to do it because they have to re-write the contracts and the ONLY day that they can do that is on saturdays. is this true!? Why only saturdays can they do this? we sent the letter over a week ago expecting it to be cancelled from when we last paid but nope they took full payment and said we have to go in next weekend to pay it

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my mum wrote to cancel the OSC and DLC on some items and they said she has to come into the store to do it because they have to re-write the contracts and the ONLY day that they can do that is on saturdays. is this true!? Why only saturdays can they do this? we sent the letter over a week ago expecting it to be cancelled from when we last paid but nope they took full payment and said we have to go in next weekend to pay it

 

 

Rubbish - they are just flexing their muscles. Why on a Saturday when the store is likely to be it's most busiest ?

 

Send a letter, if need be, head it Official complaint and let them do their job.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes..we were fed the 'only Saturday' baloney,but complied cos I couldn't be bothered to argue...we gave a weeks written notice and went in the following week,had all the OSC and DLC removed,and paid the new rate straight away..I was definitely not 'feeling the love' in there,,quite the cold shoulder cos now I pay the minimum :) They do actually rehash the contract and you re sign,,make sure the figure is right tho,cos they are very good at folding pages over :)


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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seems weird to me why it has to be a saturday!? its alot of messing for us to go instore especially at weekends

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I think it's a ''power' thing,,cos they know you have cottoned onto their insurance rubbish I got all the 'what if something happens'' speil,,,I said 'it's covered by the manufacturers warranty and I can extend that if I want' £656 is what I would have paid in OSC alone if I had kept it,,,only £2 cheaper than the total cost of the thing !!


Lillibelle

 

I only know what I know cos I know it,I only give advice,I'm not legally trained nor do I pretend to be.

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closing the sticky

 

if you have issues

 

start your own thread.

 

this is for REF only.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2470 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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