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Help with Brighthouse please


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Hi everyone.

 

I have a PS3 with only 11 weeks left to pay it off and recentley had some money troubles, and due to this built up arrears of £160. Someone from the store came to my home yesterday demanding the money, so i said i will come to the store today and talk about my options cause i couldnt give her that amount of money due to being on benifits.. So i have been. I offered them 1 weeks payment of £20 and another weeks payment plus a bit extra for the arreras next week, and then pay weekly + extra as iam back on my feet now, but they wasnt intrested they wanted the money upfront. I said take me to court then and they said that the courts would be on there side (Brighthouse side). And they said that they dont except part payments. I cant apply for a reset as i had one in Nov 07 and i dont want to give the goods back as i havnt long left on the aggreements. At the end of the day i have offered a payment and they refused it.

 

I just got that fed up with them not resoning with me i just walked out of the store.

 

Please help, Charlie xx

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Guest Old_andrew2018

Hi

Charlie firstly don't worry we have a few experts who know how to deal with brighthouse, I've sent a personal message to one such person, they are not on-line at the moment.

 

It could be worth writing the no callers letter, hold fire for a short time, until an expert gives advice

 

Regards

 

Andy

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Hi everyone.

I have a PS3 with only 11 weeks left to pay it off and recentley had some money troubles, and due to this built up arrears of £160. Someone from the store came to my home yesterday demanding the money, so i said i will come to the store today and talk about my options cause i couldnt give her that amount of money due to being on benifits.. So i have been. I offered them 1 weeks payment of £20 and another weeks payment plus a bit extra for the arreras next week, and then pay weekly + extra as iam back on my feet now, but they wasnt intrested they wanted the money upfront. I said take me to court then and they said that the courts would be on there side (Brighthouse side). And they said that they dont except part payments. I cant apply for a reset as i had one in Nov 07 and i dont want to give the goods back as i havnt long left on the aggreements. At the end of the day i have offered a payment and they refused it.

I just got that fed up with them not resoning with me i just walked out of the store.

Please help, Charlie xx

Hi there.

Is the PS3 the ONLY item you have from BrightHouse, or do you have other items, too? The weekly payment for a PS3 is less than £20 per week - even if you have optional service cover and damage liability cover.

If you have arrears of £160, that would mean you haven't made a payment in over 8 weeks.

In view of the above, if you haven't made a payment in that long, your optional service cover has lapsed (8 weeks ago) and THE PREMIUMS FOR IT SHOULD NOT BE CHARGED.

I would write a letter to head office (copied to the store) offering your regular weekly payment plus a reasonable amount off your arrears. I would also request the removal (back dated to when it lapsed) of optional service cover.

Use a letter similar to this one:

(Send recorded delivery to head office, and copy to your local store)

 

Account(s) number(s) XXXXXXXXX

 

Dear Sirs

 

I have recently been experiencing some financial difficulties and, as a result, have fallen behind with my weekly payments to BrightHouse. This is most regrettable, so please accept my apologies

 

I am receipt of a default notice for £XXXX

 

I do not wish to return the goods voluntarily, and as I cannot afford to pay this amount in one instalment, I would like to offer the sum of £(reasonable amount) per week on top of my regular weekly payment of £XX to clear my arrears over the next XX weeks. This payment plan can start immediately.

 

I have made this proposal (and made an offer of payment) at my local store, but my payment was refused. I was told that BrightHouse will not/cannot accept “part payments”. This “policy” only places my account(s) further into arrears and invokes further penalty charges. I find this both immoral, unfair and in direct contravention to OFT guidelines regarding the collection of debt.

 

Naturally, I hope you will accept my offer (above) and allow me time to bring my account(s) up to date in both a fair and affordable way. Of course, by accepting my offer, and by me maintaining regular payments (on time) you agree NOT to apply any further “penalty” or “late payment” charges to my account(s).

 

Please confirm in writing your acceptance or refusal of my offer in order for me to make the necessary payment arrangements, or to prepare for my defence in the County Court as appropriate.

 

Kindest Regards

 

YOU

 

 

cc - BrightHouse local store

your local Trading Standards (this never hurts)

You do need to sort this pretty quickly, because if BrightHouse DO decide to go to court for a repossession order, you need to be able to show you have made every effort to address the situation, and you are not just deliberately avoiding payment.

In the meantime, BrightHouse cannot enter your home and repossess their goods without a court order.

Get back if you need any further help - and give our BrightHouse fact sheet a good read. You'll find it HERE

Good luck!

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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Hi there,

Thanks for that. I sent one of those letters a few weeks ago and i never heard anything back. I told them this and they wasnt interseted. My weekly payment for a ps3 is £20.67. This is my only item from them.

 

I even offered a payment in store yesterday and they wouldnt except it and said if it went to court the court would take Brighthouses side.

 

Should i send another letter?

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Hi there,

Thanks for that. I sent one of those letters a few weeks ago and i never heard anything back. I told them this and they wasnt interseted. My weekly payment for a ps3 is £20.67. This is my only item from them.

I even offered a payment in store yesterday and they wouldnt except it and said if it went to court the court would take Brighthouses side.

Should i send another letter?

Yep. Write again (send recorded delivery) and use the letter I gave you in the previous post.

If you are willing to pay - and BrightHouse aren't prepared to accept your payments - then the only way to sort this out would be in the county court. But... BrightHouse very rarely go to court! (this is a statement of FACT)!

To be honest, going to court would be the best thing to happen. The court certainly would not automatically take BrightHouse's side, in fact the court may be interested in exactly how much you have been charged for a PS3 - because all details of the credit agreement has to be disclosed.

Cheers

Lefty

 

It will also show the court just how much you have paid already!

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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Hi all

 

Wrote the letter that u advised me to, and once again i have had no response. I posted it first class on fri evening so that should have got it Saturday or Monday at the latest. So they cant be that desperate for there payment.

 

What would be my next course of action.

 

Thanks in advance

Charlie

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Hi Charliegirl,

Did you send the letter recorded delivery as Lefty advised or was it just normal first class? If it was just sent first class then that would be easier for Brighthouse to deny receiving your letter.

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