brighthouse (hp)

[andrew1402]

Three weeks ago my brother in law got a laptop from Brighthouse. Now they are trying to claim they have given him the wrong laptop. From what we can wrk out they are going to ask him to either swap for a cheaper laptop or pay a higher price on the one he has. It has taken them three wekks to realise they have made a mistake. They have the agreement at the shop. Where would my brother in law stand on this matter as he has already paid three weeks on the laptop.

[PGH7447]

Ownership is 9/10 of the law:D

 

Personally I would ask them why they think he has the wrong laptop, if that is the one he asked for and is paying for then they in my honest opinon dont have a leg to stand on

[davethorp]

Asking this be moved to brighthouse section where the OP can get more specialised advice

[42man]

Moving to BH section DT.....

[Lefty]

Three weeks ago my brother in law got a laptop from Brighthouse. Now they are trying to claim they have given him the wrong laptop. From what we can wrk out they are going to ask him to either swap for a cheaper laptop or pay a higher price on the one he has. It has taken them three wekks to realise they have made a mistake. They have the agreement at the shop. Where would my brother in law stand on this matter as he has already paid three weeks on the laptop.

Hi.

Your brother in law must surely have a copy of the original agreement he signed when he got the laptop? If so, the details (and laptop description/serial number) will be on it.

However, if there IS an error, and BrightHouse accidentally supplied the wrong laptop, then I would suggest you get them to cancel the agreement, return the laptop in return for a full refund of all payments you have made to date. That's only fair, after all - it's THEIR error and not yours.

You may then, if you want to, take out a completely new agreement with the correct laptop.

Simple.

Cheers

Lefty

[DCA-KING]

Hi and if you do take out a new agreement print off the letter giving 7 days notice to cancel the OSC & DLC once you have signed and paid your deposit then give them the letter and tell them theres one in the post to there head office caceling it

and watch there faces

Regards DK

[andrew1402]

Thankyou for all your help i will get my brother in law to read what you all have said

[sunsh1ne]

Hi and if you do take out a new agreement print off the letter giving 7 days notice to cancel the OSC & DLC once you have signed and paid your deposit then give them the letter and tell them theres one in the post to there head office caceling it

and watch there faces

Regards DK

why go to the bother of signing an agreement including the service cover to go through all the hassle of taking it off a week later????? if you dont want the service cover just say you dont want it before they put it on - simple!!!

[Lefty]

why go to the bother of signing an agreement including the service cover to go through all the hassle of taking it off a week later????? if you dont want the service cover just say you dont want it before they put it on - simple!!!

 

Yep. Absolutely!

 

Optional Service Cover is OPTIONAL!

 

(However, I would like to bet my last chocolate biscuit that BrightHouse would put up quite a hefty fight supplying a new laptop without Optional Service Cover. Unconventional though it may seem, DCA-KING's advice is based upon experience, and an understanding of how BrightHouse work, and is probably the easiest route.)

 

Cheers

Lefty

[DCA-KING]

Thank Lefty spot on

Brighthouse NO COVER NO LAPTOP

so play them at there own game all done and dust signed for, Oh By the way can i give you this

we can all play dirt like brighthouse

[sunsh1ne]

lol youre absolutely wrong there guys sorry - il admit to you that i in fact work for brighthouse- (no abuse please!! ) i sign people up without service cover if they dont want it and so do all my other colleagues. people are not forced AT ALL. yes i am targeted on service cover but at the end of the day if they say no - they dont have the cover.

 

Nobody forces anone to sign anything and most definately do not say that if they dont take the cover they cannot get the item - what rubbish!!

 

Brighthouse offers products on a weekly payment basis to those who could not otherwise afford it or cannot get he credit for reasons like self employment or bad credit history. people on lower incomes sometimes get into trouble with their finances, this awful service cover ensures that they are not locked into a contract of up to 3 years so if anything happens they have the option of returning the item and if they return within 6 wks once they are back on their feet they can resart the agreement with their original item and dont lose the money they have already paid. That is just one example of the benefits of optional service cover, terrible isnt it?! what other company does that?

 

ive had stuff from other companies years ago and fell into trouble when my husband left and rinsed our bank account and maxed our credit cards and left me with all the bills, not one of the companies gave a damn and some were quite rude, i am still paying for them now with nothing to show for it. if i had been a brighthouse customer i could have given it back and that would have been it and i would have been thankful.

 

sorry to go on but you must admit the advice in these forums is a little one sided? there are good points to BH too and if you are going to give advice you need to be balanced to give a true account.

 

so to get back to the matter in hand - just tell the sales advisor you dont want it. he/she will of course try to persuade you otherwise - thats our job - but just politely explain that you will have no problem paying, you have 12 month warranty and will purchase the extended warranty with acer in the 2nd yr and have no need for it. it really is that easy! have fun with the laptop!

ps get the 6920 its just fab!!

[Lefty]

lol youre absolutely wrong there guys sorry - il admit to you that i in fact work for brighthouse- (no abuse please!! )

 

Have you declared your interest (as a BrightHouse employee) to the admin of this site? And have BrightHouse authorised you to speak on their behalf? You should think very carefully about this before posting further.

 

i sign people up without service cover if they dont want it and so do all my other colleagues. people are not forced AT ALL. yes i am targeted on service cover but at the end of the day if they say no - they dont have the cover.

 

Nobody forces anone to sign anything and most definately do not say that if they dont take the cover they cannot get the item - what rubbish!!

 

It's not rubbish. We have documented evidence to the contrary.

 

Brighthouse offers products on a weekly payment basis to those who could not otherwise afford it or cannot get he credit for reasons like self employment or bad credit history. people on lower incomes sometimes get into trouble with their finances, this awful service cover ensures that they are not locked into a contract of up to 3 years so if anything happens they have the option of returning the item and if they return within 6 wks once they are back on their feet they can resart the agreement with their original item and dont lose the money they have already paid. That is just one example of the benefits of optional service cover, terrible isnt it?! what other company does that?

 

Please point me to the specific paragraph(s) in the terms and conditions for Optional Service Cover where it states this. For your ease of reference, you will find a copy of the terms and conditions HERE

 

ive had stuff from other companies years ago and fell into trouble when my husband left and rinsed our bank account and maxed our credit cards and left me with all the bills, not one of the companies gave a damn and some were quite rude, i am still paying for them now with nothing to show for it. if i had been a brighthouse customer i could have given it back and that would have been it and i would have been thankful.

 

...and you would have quite happily written off everything you had paid to date?

 

sorry to go on but you must admit the advice in these forums is a little one sided? there are good points to BH too and if you are going to give advice you need to be balanced to give a true account.

 

Please read our BrightHouse Fact Sheet HERE. BrightHouse was given an opportunity to respond to its findings, and the company's responses were published along with it. Not one sided at all.

 

so to get back to the matter in hand - just tell the sales advisor you dont want it. he/she will of course try to persuade you otherwise - thats our job - but just politely explain that you will have no problem paying, you have 12 month warranty and will purchase the extended warranty with acer in the 2nd yr and have no need for it. it really is that easy! have fun with the laptop!

 

Actually, ACER'S twelve months manufacturer's warranty is in ADDITION to you statutory rights, which in the case of a hire purchase agreement refer to the SUPPLY OF GOODS (IMPLIED TERMS) ACT 1973. Contrary to popular belief, you consumer rights do NOT expire after twelve months.

 

ps get the 6920 its just fab!!

 

 

With the greatest of respect

 

Lefty

Edited October 12, 2008 by Lefty

[sunsh1ne]

Lefty, I think you may have got a bit confused . Please show me where it even mentions Optional Service Cover in the link you have attached! You will find it is for DLC. I am speaking of the Optional Service Cover (OSC) not the Damage Liability Cover (DLC) - which is totally different.

In brief -OSC - repair and returnibility. DLC - Fire, theft and accidental damage.

 

I have gone through countless numbers of agreement closes since I started and have no need to quote which bit says what I know it is available, I have done it for customers myself.

 

I am not interested in getting all technical and having some silly war of quotes and seeing who knows the law better. This is my oppinion and my own, I have never hinted that I am speaking on behalf of anyone but myself. I am merely putting another side to this thread which is indeed one sided just like all the other threads in these forums and you know it. I have read many threads and been astounded at these "facts" that people come up with that are just blatantly not true, I know!

 

As for my debts- yes i would have loved to have had the choice of returning the stuff with nothing more to pay - what have i got to show for the debts I am still paying off?

 

I have said my piece and your oppinion is your own too but not all cases posted in these forums are typical of every BH store across the country and it is unfair to tarnish all stores with the same brush.

 

All I am saying is that the Optional service cover is just that, optional.

[Lefty]

Lefty, I think you may have got a bit confused . Please show me where it even mentions Optional Service Cover in the link you have attached! You will find it is for DLC. I am speaking of the Optional Service Cover (OSC) not the Damage Liability Cover (DLC) - which is totally different.

In brief -OSC - repair and returnibility. DLC - Fire, theft and accidental damage.

My bad! I simply pasted in the wrong link, sorry...

I completely understand the difference between OSC and DLC... (well, when I say "difference", I use that term lightly... I firmly believe they are BOTH just a hugely inflated payment protection policy split into two.)

This is the link I should have provided:

BrightHouse Optional Service Cover Terms and Conditions

I, too, am not interested in a battle of quotes to see who knows the law better, but any advice I give on these forums is backed up with both and wealth of experience AND a full understanding of BrightHouse policies and operational procedures.

The reason these forums may appear to be one sided is because people come here with problems... Very few people (other than obvious BrightHouse employees) come here with positive experiences.

I am really pleased you have taken the time to contribute here. Your views are most welcome!

Cheers

Lefty

[andrew1402]

hang on a minute i didn't mention about osc or anything i was on about the fact that 3 weeks later they they decide they made an error on the laptop but anyway my brother in law gave them the numbers they wanted a few days ago and not heard anything since.And you may follow the rules sunshine but others don't like every week do you miver customers to get another product and do you ask if a customer wants optional service cover because we don't get asked just put on and now we can't keep our agreements you keep them after we sign them im sure that's legal lol for your perfect brighthouse and also im talking of experience but thanks for the reminder of the terms and conditions but thanks fr your comments im sure you have a happy lot of customers at your shop.personally i think brighthouse is expensive and a sinking ship since the new PERFECT HOMES arrived who don't do credit checks either it's based on income so people don't get into debt and don't miver you to get something else every week i was just trying to get advice for my brother in law on his laptop.

[meg&mog]

Hi Guys

 

Lefty as always is right the OSC should be "optional" however i have read on here many times and it has happened to me personally that they will not let you have a product unless you have these "covers"

 

Meg&Mog

[sunsh1ne]

Andrew you should always be given a copy of the agreement by the store, if your brother hasnt been given one tell him to go to the store and ask for a copy. Or when they get their act together and sort his laptop out!

 

Yes I always ask if they want the OSC - i did a 22" monitor today for someone without and organised for him to come into the store to take it off his pc tower on the 25th . However I am good at my job and there arent many who dont get it after I have explained the benefits , thats what I get paid for at the end of the day. (Incase you were wondering, we are not on commission. Wish we were sometimes tho!)

 

as for the laptop to be honest Im not sure what would need to happen, I think they will either order him a new laptop and take the amount of wks he has paid off/ refund what he has paid - and take it off the new one. Thats the simple answer, but it depends on what has happened to his laptop in the meantime, has it gone to a different store by mistake? has it been given to someone else and they are in the same situation? Its difficult to speculate.

 

Im not going to apologise for your store or any other store that does not act accordingly, not because I dont care but because if they arent treating their customers properly then they deserve what they get!

 

Do remember, though, that there are good stores out there and the problems are not "typical of Brighthouse" more "a recurring problem from some stores"

[Lefty]

Yes I always ask if they want the OSC - i did a 22" monitor today for someone without and organised for him to come into the store to take it off his pc tower on the 25th . However I am good at my job and there arent many who dont get it after I have explained the benefits , thats what I get paid for at the end of the day.

Sunsh1ne

Please don't think I am picking on you, because I'm not but I'm sure there's a lot of posters here who would just love to have the benefits of OSC explained to them? Please enlighten us...

Cheers

Lefty

[andrew1402]

i dont think i made myself clear about the laptop and my brother in law and i am sorry what happened was my brother in law went in to bh asking how much a laptop was. They told him the price of the cheapest one which he wanted, as he was leaving the shop they called him back saying they only had one left and to avoid not getting it when he had the money to sign the agreement there and then and use his "yellow money" to pay the first payment. Then they rang him 3 weeks later to say they had given him the wrong one. His has given them the serial number on the laptop and has not heard anything since. sorry for not making myself clear before

[sunsh1ne]

 

 

Sunsh1ne

 

Please don't think I am picking on you, because I'm not but I'm sure there's a lot of posters here who would just love to have the benefits of OSC explained to them? Please enlighten us...

 

 

Cheers

Lefty

 

 

You know I would love to but I have this feeling that it may lead to my post being ripped to shreds and me having to defend every individual sentence I write . Im sure you are already aware of what the OSC covers, Im sure you have a fact sheet with it on somewhere in here. Sorry hun

[vamps26]

hi,

Please could you tell us the benefit of the OSC i am a brighthouse customer (not for much longer i hope lol) and at my store they dont explain anything and they keep your agreements with even given you the option have having your own copy

[Lefty]

You know I would love to but I have this feeling that it may lead to my post being ripped to shreds and me having to defend every individual sentence I write . Im sure you are already aware of what the OSC covers, Im sure you have a fact sheet with it on somewhere in here. Sorry hun

Awww... C'mon... Don't be a spoil sport! I certainly won't rip your post to shreds. I would honestly love to have the benefits of BrightHouse Optional Service Cover explained to me...

Yes, we DO have a fact sheet. But, as you said, it's somewhat "one-sided" (even though both BrightHouse Press office AND company secretary David Harwood reviewed it and offered their comments) so perhaps YOU would like to rip that to shreds instead?

Tell you what, how about you give us the benefits of taking Optional Service Cover on a 12 month agreement for, say, a Play Station 3? Explain how "your" service cover is more effective than the manufacturer's 12 month guarantee. Or, even better, tell us how "your" cover allows customers to return it at any time without financial penalty (even though they can do this after 6 months anyway)! :grin:

Oh, and just how much per week is that cover again? £4.72 per week? Wait a minute... a total of £245.44? You have GOTTA be kidding? That's almost the retail cost of a brand new PS3 on Amazon Dot Com !!!!! :eek:

Right back at ya, hun !

Cheers

Lefty

[sunsh1ne]

vamps - Please go to your store and ask that they fully explain to you OSC and provide you with a copy of any agreements you are missing, Im sure you will find that they will do this.

 

Lefty it seems to me youve got that pretty sussed, why would ou need any explanation from me? Do you think I expect to change yours/ or anybody elses mind about BH OSC or any other specific problem people encounter. I originally posted in frustration to cases that I have read that are not necessarily BH complete fault - things like people thinking that things are brand new/ didnt realise they had service cover or how much they were paying back etc when they sign an agreement which clearly states all of the above on the page they sign and initial about 10 boxes on another sheet to say they understand each individual part of the terms which are broken down into easy to understand chunks right by where they initial These people sign it without bothering to read what they are signing or asking questions and then slate BH for ripping them off I have already said I am not speaking on behalf of anyone but myself and am not going to be goaded into a discussion involving the breakdown of OSC or any other policy/service BH has in place.

 

I simply ask again how far can BH be held accountable for personal choices - the choice not to ask questions or even bother to read or acknowledge any important parts of a legally binding contract before they read it? People do have to take responsibilty for their own actions, or failure of them.

 

How can you expect me to rationalise every action of every BH sales advisor/account rep/manager and the companies policies/procedures/services and overall cost and value? Im sure all those questions will come soon enough.

 

How about we talk about the apr of doorstep loans in comparison to BH apr? I was came across a loan until payday website the other day who's apr was something like 750% :eek: Or what about options that are offered to customers of other big brand companies if they find themselves in a situation where they cannot pay for the new sofa they got 2 months ago in comparison? Wait - there are none! Going late would incurr a bank charge of around £35 or more if over your overdraft and possibly another charge from the company/credit card. How about we compare BH to that?

[Lefty]

How about we talk about the apr of doorstep loans in comparison to BH apr? I was came across a loan until payday website the other day who's apr was something like 750% :eek: Or what about options that are offered to customers of other big brand companies if they find themselves in a situation where they cannot pay for the new sofa they got 2 months ago in comparison? Wait - there are none! Going late would incurr a bank charge of around £35 or more if over your overdraft and possibly another charge from the company/credit card. How about we compare BH to that?

The average "over-all" compounded APR rate for a typical BrightHouse agreement is 110% APR. (The most effective way of working out APR is by working out how much in total you pay back - which in the case of a typical BrightHouse agreement is DOUBLE the original (inflated) cash price.

BrightHouse earn more than £3.5MILLION annually from late payment (penalty) charges.

70% of BrightHouse customers are in receipt of state benefit.

That's £2.3MILLION drained annually from the benefit system in penalty charges alone!

Cheers

Lefty

PS - Remember what I said about genuinely BELIEVING in what you say... ;)

[sunsh1ne]

 

a typical BrightHouse agreement is DOUBLE the original (inflated) cash price.

 

Now now lefty you know we have a price matching policy in place, customers are welcome to bring in evidence of the same item retailing for less within a certain radius and we will match that cash figure

 

 

BrightHouse earn more than £3.5MILLION annually from late payment (penalty) charges.

 

And what figure would you come up with if i asked you what any bank was earning each year off their charges in comparison?

 

 

70% of BrightHouse customers are in receipt of state benefit.

 

Of course they are, that is who we market for. How else is the single mother of two children on £130pw going to afford an HD tv/ a leather sofa/ kit her kitchen out of the new flat she has just got? when all she can save per week is £20? And then if by chance her family are good enough to buy her the same item 3 months later she can give it back?

Or how about she rents a tv from somewhere instead for the same weekly price but never gets to own it - would that be better?

OOORRR she could get a loan off the social of say ... £500 and pay no extra apr back or get any service cover or Dlc or equivilent on a 2nd/3rd/4th hand flea ridden sofa out of the paper that breaks 6months after?

 

Poverty is not caused by BH, it may come as a surprise that their apr is not actually massively over the odds - doorstep loans which also target the same group are regularly over 300%.