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    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
    • Hi, OP sister here, im going to try and explaine in full details from start to present and see if you have any advice for me on what i can do. on 15/1/2021  at 16:25pm i was traveling along hazlebarrow cresent wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR seddon. ( im going to attatch a street veiw picture and diagram wich will be more helpful in understanding how the accident accured ect) .  The owner of the parked car, which i will refer to as Mr simpson came out of his house. Myself, mr seddon and mr simpson exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property. I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect . by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and mr seddons van ect). Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.  Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability. an engineer had collectes my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .  I didnt hear nothing for around 2 weeks so i comtacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability' i asked them why admirel consider themSelf not liable and she read from the notes ' mr seddon said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' . the lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault. I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of wich i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.  The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.   Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the ' none prejudice payment) I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .   I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . again she said ' its still in dispute, admirel are not budging i have to pass this on to management. She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!? Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum and you guys had mentioned the hire car rates may fall back on me. I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. and the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' . i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport' I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i didnt have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.    After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' . will they find any fault with the contract just to try and lumber me with the debt? , as it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.  And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?    As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.  Tomorow i am going to read thoroughly through the ' hire car contract' . i am going to give them another call and record them saying i am not liable for the debt. Any advice on how i can just give the hire car back to them without me being liable to pay the debt?  Thank you Gemma
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Ex-Brighthouse manager available for questions


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HI

 

I have recently discovered this forum mainly because BH are this weekend (25th October 2008 ) opening a new store in my home town of Kidderminster. I was adding comments to my local newspapers online comments page and looked on the CAG forum pages to paste some links to my comments. I like to warn people of impending threats, but also like to back it up with evidence, so what better evidence than the CAG forums?

 

I was surprised to find so much! I was also annoyed to see that things have not changed either.

 

I became a branch manager for Brighthouse about 6 months before the changeover from Crazy George's, and worked in stores across the Midlands.

 

I had a job to do, and I had to do it to feed my family! But I also didn't feel great about it some of the time. There are those customers who are quite dishonest and shouldn't be given credit even by the BH method. When that sort of person owes you money, it gets tough, which is where a lot of the BH strong arm tactics originate. Unfortunately, this gets used for everyone, even those that have legitimate reasons for falling behind.

 

I could go on and explain it all to you here, but this thread will be like War & Peace before anyone has chance to reply. So please ask away, and I will do my best to help. I haven't worked for them in 6 years, but they haven't changed and I bet some of you are still customers at some of the stores I have worked in!!

 

PLEASE BE AWARE! I AM NOT GOING TO TELL YOU OR ADVISE YOU TO DO ANYTHING WHICH IS ILLEGAL. LIKE IT OR NOT, YOU SIGNED A LEGALLY BINDING AGREEMENT WHICH IS REGULATED BY THE CONSUMER CREDIT ACT AND YOU ARE BOUND TO IT FOR IT'S DURATION OR UNTIL YOU SETTLE THE AGREEMENT, WHICHEVER HAPPENS FIRST.

 

But guess what? BH are also bound to it under the same law, and by many others including one they don't like to brag about, THE ADMINISTRATION OF JUSTICES ACT 1970, which basically sets out what you are allowed to do and not do when someone owes you money!

 

FOR PRIVACY, I WILL ALSO NOT DIVULGE MY NAME OR THE STORES I WORKED IN, NOR WILL I MENTION ANY OF MY PREVIOUS CUSTOMERS AS THIS WOULD BE A BREACH OF THE DATA POTECTION ACT.

 

Now that all the nitty gritty is done, fire away. Also if there are any other disgruntled ex BH people there, come along and help. Call it regenerating your Karma!!:):):)

Edited by plumberjon

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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LOL welcome plumberjon :wink:

 

Me thinks you will be very popular :rolleyes: or maybe not!!

 

I'm sure any info you have to give will be useful

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Hi plummerjon

 

Nice to have you here. Hope to see some good "juicy" threads going! ;)

 

PLEASE BE AWARE! I AM NOT GOING TO TELL YOU OR ADVISE YOU TO DO ANYTHING WHICH IS ILLEGAL. LIKE IT OR NOT, YOU SIGNED A LEGALLY BINDING AGREEMENT WHICH IS REGULATED BY THE CONSUMER CREDIT ACT AND YOU ARE BOUND TO IT FOR IT'S DURATION OR UNTIL YOU SETTLE THE AGREEMENT, WHICHEVER HAPPENS FIRST.

 

Absolutey! CAG takes exactly the same line and would NEVER condone anything illegal or dishonest. However, I would point out that, although you may well have signed a "legally binding contract", you are bound to it for its duration... that is unless, of course, the contract is breached by either party. And BrightHouse have been known to breach many agreements and on several occasions... Oh, and so do customers, too... (Lefty being careful to maintain a fair balance) :)

 

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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OK.

 

Here's a question that comes up time and time again...

 

Just WHAT exactly is proof of "suitable" home contents insurance, as required to cancel (or deem unnecessary) BrightHouse Damage Liabilty Cover (DLC)?

 

What are the OFFICIAL BrightHouse guidelines regarding this?

 

 

Cheers

Lefty

Edited by Lefty
because I can! Ha... Only joking.... worded badly

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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Hah! I should have seen that one coming!

 

DLC is calculated at the time of sale of any new item by the sytem (IRIS) unless it's been superceded by now.

 

It is exactly 10% of the weekly rental, but conveniently enough, I don't believe it is actually classed as an insurance, so falls outside of IPT (Insurance Premium Tax) meaning if it did they would have to give some of it to the Chancellor ( 7.5 % i think).

 

Therefore, if it's not an insrance, then providing your existing contents insurance covers accidental damage, no matter what the cause, then you should save quite a bit.

 

My advice is to stick to your guns and say no.

 

There is one very big reason why BH stores don't like to knock off DLC. This is because there is no insurance company that is going to pay BH back for writing off a damaged item. It basically comes off the operating profits of the store. Meaning the store will effectively make less profit, the manager and his manager will not get as big a bonus!

 

So in a nutshell, your house contents insurance is worth a whole lot more than the BH DLC.

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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So in a nutshell, your house contents insurance is worth a whole lot more than the BH DLC.

 

 

Hey Plumberjon,

 

Do you have to take or forced to take DLC if you dont have any home contents insurance?

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Unfortunately yes you do.

 

The reason, it's a Hire Purchase, which means BH owns the item until you have finished paying for it, no matter how long and drawn out that seems!

 

My advise is to get your own house contents insurance, in the long run it will be sooooooooooooo much cheaper.

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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Hah! I should have seen that one coming!

 

DLC is calculated at the time of sale of any new item by the sytem (IRIS) unless it's been superceded by now.

 

It is exactly 10% of the weekly rental, but conveniently enough, I don't believe it is actually classed as an insurance, so falls outside of IPT (Insurance Premium Tax) meaning if it did they would have to give some of it to the Chancellor ( 7.5 % i think).

 

Therefore, if it's not an insrance, then providing your existing contents insurance covers accidental damage, no matter what the cause, then you should save quite a bit.

 

My advice is to stick to your guns and say no.

 

There is one very big reason why BH stores don't like to knock off DLC. This is because there is no insurance company that is going to pay BH back for writing off a damaged item. It basically comes off the operating profits of the store. Meaning the store will effectively make less profit, the manager and his manager will not get as big a bonus!

 

So in a nutshell, your house contents insurance is worth a whole lot more than the BH DLC.

 

Plummerjon (or can we just call you jon)?

We get many people here saying that BrightHouse will NOT accept their home contents policy as proof of suitable insurance.

I have suggested listing items belonging to BrightHouse as "ALL RISK" items on their policy. This details the item, with both a written description and, if necessary, a serial number.

Would you agree, as an (ex) BrightHouse store manager, that this then becomes proof of suitable home contents insurance?

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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You never manage to say it all in these replies do you lol?

 

As you don't own it until you've finished paying for it, BH need some assurance that if it goes wrong and the item gets damaged, then the book value of the item gets covered at the time.

 

But, take a £20 a week 3 piece suite, that's £104 a year over 3 years, just to insure the suite. You can get an entire households contents insurance for less. See my arguement?

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

 

The big problem here is we are confusing what is common sense, with what mood the manager is in, the day after his rollocking with his SDM (Sales Development Manager) because his figures aren't good enough!

 

They will argue every which way but loose to get you to have their DLC because it's a way of getting yet another 10% out of you.

 

Be obnoxious, stick to your guns. Make sure your existing (or new) household contents insurance covers items in your home that are not owned by you (on HP) and that will suffice.

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 there a separate agreement to be signed for DLC & even if not are their any T's & C's which cover it

 

Here ya go :D

BrightHouse DLC Terms and Conditions

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 Lefty

 

The big problem here is we are confusing what is common sense, with what mood the manager is in, the day after his rollocking with his SDM (Sales Development Manager) because his figures aren't good enough!

 

They will argue every which way but loose to get you to have their DLC because it's a way of getting yet another 10% out of you.

 

Be obnoxious, stick to your guns. Make sure your existing (or new) household contents insurance covers items in your home that are not owned by you (on HP) and that will suffice.

 

I think me and you are gonna be good pals! :D

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 JonCris

 

When I was there it was never sold as an insurance, and it was conveniently tucked away at the bottom of the same system generated form. There was only one contract to sign and it needed 3 signatures if I remember. 1 for the agreement, 1 for the service plan and 1 for the DLC.

 

At the time I was there they had this presentation folder and during training, you were even given role play excersices to make sure you said the right things. It didn't happen, but technically everytime you sold something, even to a customer who already knew it all, you had to sit down for 20mins and tell them it all, which did include a bit about DLC.

 

I am racking my brains here, but I am damn sure that it was not sold as an insurance

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 JonCris

 

When I was there it was never sold as an insurance, and it was conveniently tucked away at the bottom of the same system generated form. There was only one contract to sign and it needed 3 signatures if I remember. 1 for the agreement, 1 for the service plan and 1 for the DLC.

 

At the time I was there they had this presentation folder and during training, you were even given role play excersices to make sure you said the right things. It didn't happen, but technically everytime you sold something, even to a customer who already knew it all, you had to sit down for 20mins and tell them it all, which did include a bit about DLC.

 

I am racking my brains here, but I am damn sure that it was not sold as an insurance

 

That's right...

 

The word "insures" is substituted by the word "covers"... IE - Our DLC policy covers your item against theft, fire and damage...

 

However, the policy is underwritten by Caversham INSURANCE (Malta) Ltd.

 

 

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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Thanks Lefty

 

These T&C's are new to me.

 

But then I left there 4 years ago. I would have remembered an insurance backed sheme from some dodgy outfit in Malta, of all places.

 

So it is and insurance, sort of!

 

I stand corrected, but none the less, stand your ground say NO to DLC. It's a rip off, and you can save money elsewhere.

 

Like I said in an earlier post, speak to your main insurer and verify that they will cover full replacement on accidental damage to items on HP in your home (95% will).

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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If you have ticked the relevant box and signed in the

signature box on the Agreement to apply for a Damage Liability Cover insurance policy (the DLC Policy) and have been accepted, you have also entered into this DLC Policy with Caversham Insurance (Malta) Limited of 2 Fontana Mansions, Bisazza Street, Sliema SLM 15, Malta (“the Insurers”)

 

This insurance does not cover any of the following:

 

If you are unhappy about the way in which this insurance policy has been sold to you orhave any dispute or complaint in relation to the DLC Policy

 

All taken from DLC T&C's. Don't think that leaves much room for doubt

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They obviously want you to buy their product, namely the DLC because it does mean more money for them.

 

But it is a very expenxive way of just insuring one item.

 

However, the reason they want you to have it is to protect their asset whilst it is in your home.

 

But that is where they shoot themselves in the foot. Why? Well they are quick to point out that if you fall behind on your payments, then the Service cover and DLC become null and void as you are not paying for them, Therefore the asset is no longer protected.

 

If you have your own household contents insurance andit is up to date and paid for, then even if you fall behind on your BH payments, their asset is still protected.

 

So in a way, their asset is better protected bty you using your own insurance, than if you used their DLC in the first place.

 

Quite logical really. And yes, if you can prove suitable insurance, they are breaking their own policy by forcing you to buy their DLC.

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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I am pretty sure that there are regulations with the selling of insurance that would be broken by forcing someone into your product alone. They are definately breaking their own policy by forcing you into DLC even after proving your own insurance is adequate. The reason for selling DLC is in case you don't have your own insurance, it's as clear as daylight in the T&C's, or at least it always used to be.

 

With insurance, it's never about how cheap it is, it's also what the insurance is actually getting you, ie. level of cover.

 

For the finer points o the law regarding this, someone else will need to answer this.

 

Perhaps a member of the site team may be able to confirm?

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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Just a quick one - A few weeks ago we were unable to make the payment on the Saturday (because of work - not financial reasons). I contacted them and explained we would be in first thing Monday morning to pay. This was not acceptable though and they told us we would have to make two weeks payments. However, I went in on Monday anyway, paid one weeks money into the yellow money, then paid as normal on the following Friday.

 

Anyway, i digress, what i want to know is that because of this is the OSC i have (forcefully) on two items now invalid?

:)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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