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    • I have tidied and formatted the layout ...and a few typos.The content is really your own words and evidence in support of your initial defence and therefore is not nessessary to add any further.   regards   Andy
    • I'd appreciate a bit more advice on this complaint. After the non budge phone call they've actually emailed me this morning which I've copied below.  I have now complained to the fos but haven't heard anything from them yet. Should I respo d now to this email, and if so what should I write? Or just leave it now to the ombudsman?  Thanks again   Good afternoon   Further to your recent email, I have reviewed your comments about why you didn’t complain about your loans until now, and I need some more information from you. Please be aware that without speaking with you I may not have enough information to come to a conclusion as to whether or not the 3 year exception applies to your circumstances.   Please can you provide more information to help us understand what led you to make your complaint. Was there anything specific that triggered you to make your complaint? Please provide as much information as you can.
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
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      so far so good.....
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      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
Lefty

UNFAIR TRADING REGULATIONS 2008 and BRIGHTHOUSE

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2575 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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Oh dear... Poor, poor BrightHouse...

They're going to have to really clean up their act now...

The Consumer Protection from Unfair Trading Regulations 2008

There's a few nuggets in there that BrightHouse AIN'T gonna like! :cool:

I suggest you give it a good read!

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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Oo, I like schedule 1 :)

 

and s7

 

but it repeals s78(6)(b) CCA 1974 :mad:


Steven

 

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My Wins

 

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NatWest Won unconditionally August 2007

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I like this bit, too...

Aggressive commercial practices

 

7.—(1) A commercial practice is aggressive if, in its factual context, taking account of all of its features and circumstances—

(a) it significantly impairs or is likely significantly to impair the average consumer’s freedom of choice or conduct in relation to the product concerned through the use of harassment, coercion or undue influence; and

(b) it thereby causes or is likely to cause him to take a transactional decision he would not have taken otherwise.

(2) In determining whether a commercial practice uses harassment, coercion or undue influence account shall be taken of—

(a) its timing, location, nature or persistence;

(b) the use of threatening or abusive language or behaviour;

© the exploitation by the trader of any specific misfortune or circumstance of such gravity as to impair the consumer’s judgment, of which the trader is aware, to influence the consumer’s decision with regard to the product;

(d) any onerous or disproportionate non-contractual barrier imposed by the trader where a consumer wishes to exercise rights under the contract, including rights to terminate a contract or to switch to another product or another trader; and

(e) any threat to take any action which cannot legally be taken.

(3) In this regulation—

(a) “coercion” includes the use of physical force; and

(b) “undue influence” means exploiting a position of power in relation to the consumer so as to apply pressure, even without using or threatening to use physical force, in a way which significantly limits the consumer’s ability to make an informed decision.

I think an awful lot of this can be applied to the way BrightHouse sell Optional Service Cover and Damage Liability Cover...

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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Those are the bits I liked :) These are the bits of schedule 1 I liked

10. Presenting rights given to consumers in law as a distinctive feature of the trader’s offer.

 

25. Conducting personal visits to the consumer’s home ignoring the consumer’s request to leave or not to return, except in circumstances and to the extent justified to enforce a contractual obligation.

 

26. Making persistent and unwanted solicitations by telephone, fax, e-mail or other remote media except in circumstances and to the extent justified to enforce a contractual obligation.

 

27. Requiring a consumer who wishes to claim on an insurance policy to produce documents which could not reasonably be considered relevant as to whether the claim was valid, or failing systematically to respond to pertinent correspondence, in order to dissuade a consumer from exercising his contractual rights.


Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 

GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

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Just a general point: I think some, if not most, of the major banks come under this category, as they make charges or often answer telephone calls in such a way to make a significant proportioin of customers unable to complain.

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Just on reading Lefty's post, please do be careful when interpreting these regulations.

 

regulation 7 refers to context and all relevant circumstances. Paragraph one is double limbed. It is not merely that the consumer would make a transactional decision, but also that they have been harassed or coerced into making that decision (para 1(a)). And even deciding that, the circumstances include, location and timing and use of threatening behaviour.

 

If one is in a shop and a good sales patter is being given, it is unlikely that this will fall within the meaning of the legislation. It is more likely to refer to doorstep selling or a mock auction.

 

Now I am not defending Brighthouse here. But it seems, with respect, that CAG has placed so much emphasis on these new regulations that they are seen as a miracle cure to consumer ills. They are not.

Asides not doing much than was available already (except bits sch. 1), it is the ability to enforce the regulations that determines its effectiveness. And remember that these regs are for enforcement use - not for civil contract disputes as, e.g, SoGA is. the fact that an offence has been committed does not necessitate the contract being voidable.


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we had a problem with brighthouse and their so called optional service cover when buying a washer from them, which we told them we did not want on at least 5 occasions, to which their rply was we will remove the said cover ? Mmmm. I saved every payment slip, and wrote down every transaction, when we reached the ammount that we had signed and agreed to pay for the washer(without the extra cover) we walked into brighthouse and made our final payment, to which they replied " but you still owe Z number of pounds, we explained that we had paid for the washer and that the money they were now asking for was the optional cover that we didn't want. I showed all my receipts, to which they were not too happy about, they then dissapeared into the back office and to our amazement they found the supposedly original contract which had a brand new tick darker than all the rest stating that we wanted extra cover. We left the shop and wrote a strong letter to brighthouse, sent with copies of all the slips and the contract , HA HA ! not heard anything since dont let brighthouse bully you which is what they seem to do to all their customers.

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Report it. I insisted on a new contract for my mobile phone from P4U. They printed one off stating I had elected for insurance. A request to remove resulted in "oh its ok, we know - we just wont charge you" (yeah right). several protests ended in the production of paper specifically stating taht I did not want insurance, followed by a letter to head office and trading standards.


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T-mobile is doing really an unfair trade with me. they are involving moorcroft debt recovery limited to help them squeezing the consumer blood. can anybody help me.

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I suggest that you start your own thread to get a better response.


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I suggest that you start your own thread to get a better response.

 

In the right section too ;)


All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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can someone please explain how the repeling of s78(6)(b) CCA 1974 in the unfair trading regulations works?

 

is this to do with the 30 days they have to repsond is this now not the case

 

thanks

 

ANTZ

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answered (sort of) on the other thread you posted in


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I could not pay off my Brighthouse quick enough, never again!! my advise to anyone is to avoid them at all costs.

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I took out a tv with bright house last year I make all my payments on time yet they start hounding me five days proir to the payment date and they dont just call me they have rung my mum hundredsof times even though I told them not to ,my mum has severe ms which I told them and they still rung sometimes as early as 7 oclock in the morning they pester me constantly and are aggressive in manner and tone ,I had aphone call today as i answerd it someone was screaming down the phone at me saying that they had been calling me 24/7 and that i was ignoring there calls which i wasnt he told me that i constantly have excuses which is untrue and that if i didnt pay by tomorrow at 12 they were sending round the baliffs in the afternoon even more so he was ringing from his own mobile phone so my number would have been on his phone as he left the store i feel betrayed by brighthouse and need help i want all of the money i have paid till know back as i dont trust the company.

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first of all calm down , they cant send balliffs , only a member of there staff, you can tell them to leave and if they dont call the police

 

have asked one of the members that know a lot about them to come on the thread for you "Clemma"


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I took out a tv with bright house last year I make all my payments on time yet they start hounding me five days proir to the payment date and they dont just call me they have rung my mum hundredsof times even though I told them not to ,my mum has severe ms which I told them and they still rung sometimes as early as 7 oclock in the morning they pester me constantly and are aggressive in manner and tone ,I had aphone call today as i answerd it someone was screaming down the phone at me saying that they had been calling me 24/7 and that i was ignoring there calls which i wasnt he told me that i constantly have excuses which is untrue and that if i didnt pay by tomorrow at 12 they were sending round the baliffs in the afternoon even more so he was ringing from his own mobile phone so my number would have been on his phone as he left the store i feel betrayed by brighthouse and need help i want all of the money i have paid till know back as i dont trust the company.

 

You really need to start you own thread about this - but for now, let me reassure you that Brighthouse have NO rights to enter your home without a court order. I am going to need a little more information - how long have you had your goods etc., etc.

 

As for the phone calls, send them the following letter, by recorded delivery ASAP. You can also include the one about home visits as well. As soon as you start your own thread, send me a PM and I WILL come onto it and give you all the advice you need.

 

Letters:

 

-HARASSMENT WARNING-

 

WARNING;PROTECTION FROM HARASSMENT ACT 1997;

 

WARNING; COMMUNICATIONS ACT 2003, S127.

 

TELEPHONE NUMBER

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sir/Madam

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

 

Yours faithfully,

 

AND

 

Dear Sir/Madam

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing.

 

Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully

 

Your local paperboy has more rights to be on your property than the goons from Brighthouse. If they turn up, keep a copy of this letter by the door, give it to them, then slam the door on them (using whatever words you feel appropriate). If they still will not leave, then call the police (not 999) and ask them to attend as you are being threatened and intimidated. They will take you seriously.

 

Ok, as for bailiffs - as kiptower stated, they are just store staff. Only a court can send bailiffs. Before that can happen Brighthouse have to obtain a CCJ against you, which you then fail to pay. HOWEVER, Brighthouse NEVER take anyone to court - I know of no cases. If they phone, hang up - if they persist, then you continue to hang up. DO NOT SPEAK TO THEM - as you can tell, the bully, intimidate and threaten you. Everything they say is rubbish - you must now do EVERYTHING in writing!

 

As for why you are making no payments - put this to them in writing too (also to Head Office) explaining the situation.

 

Hope some of this helps - if you need more advice, then like I said, start a new thread - HERE and send me a private message. Please, please remain calm.

 

Oh, and as for getting your money back - this won't happen. You have entered a Hire Purchase agreement, and the money you have paid so far has been for the hire of the goods.


:)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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If this is not in the right place can it be moved? im not sure how to make a new thread?

 

i currently have several items with brighthouse with a weekly payment of£32 i recently got into arreas with them currently 6 weeks behind i have had the goods for around a year some of the items 2 years i would like to know where i stand, sometime ago not sure exactly how long ago roughly 9-12 months i renewed the contracts as i got into arreas before i was not told at the time of signing the agreements that the other ones i signed would become void ( 1/3payment protection and other things) i stupidly thought they were just helping me out, also i did not recieve copies of the new agreements but i still have copies of the old ones.i am not out to just not pay them at all i just cant afford to catch up on the arreas owed but if i offer to pay anything that is part payment they wont accept it also i get charged again if i only make a part payment i owe around £180 and i have £100 sat here that i can give them that they wont accept saying they will only take full payment of the arreas owed, i just cant afford this yet at least not for another few weeks until all my money has been sorted (partner was laid off) they are constantly ringing me and knocking at the door and im finding myself hiding in, i do not know what else to do, the men they send round are always rude and pushy asking to come in, i also had to have ago at them because they were discussing my account with my partner are they allowed to do this? i just need to know what right i have as a customer

 

thanks in advance :)

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Hi Lefty .How do I start a new thread on Brighthouse Please ?

 

 

Go here

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?164-BrightHouse-and-other-rent-to-own-Hire-Purchase-Stores

 

and click on the blue button which says " + Post New Thread "


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