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If you make a payment late, BH will charge you (currently) £2.70 per agreement per week.

 

These charges are unlawful penalties and you can claim them back just like bank or credit card charges and using the same method.


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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If you make a payment late, BH will charge you (currently) £2.70 per agreement per week.

 

These charges are unlawful penalties and you can claim them back just like bank or credit card charges and using the same method.

 

Actually, it's £3.00 per agreement now... 10% increase in January... (Nice to see BrightHouse doing their "bit" to kick start the economy, eh?) ;)

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 if the late payment charges are unlawfull how do we claim them back??

im 4 weeks off completing my agreement and dont want them to forget about me if im no longer a customer!! great site as well!

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You claim them back exactly as for bank charges - work out what they owe you, write and ask for it back. If they refuse, send them a LBA. If that doesn't do the trick, take them to court. They will pay up well before you actually get to court.


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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And as regards to your accounts completing their term, don't worry.

 

To be honest, from starting to claim your fees back, to actually receiving them, might take a long time, but worth the wait.

 

Besides, as with bank charges, you can ask to go back a full six years from the date you originally apply, and this even applies to accounts that are now closed.

 

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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Dead right PJ


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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yeah I just found out the late payment fee has gone up too...! ooops I was late, but they could have told us the fee was going up, I don't go in store so how was I supposed to know this?

 

I thought there was some rule/regulation that if terms and conditions changed all customers had to be notified in writing?! oh hum

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Hi The_wife,

 

Sorry I'm coming in a little late here, but I thought I'd just clear this up.

 

The late charges went up in February 2009 (I forget the precise date, I have a feeling it was the 19th Feb, but don't quote me on that one) and BH would say that they did notify everyone as they printed it at the bottom of the reciepts in store for about a month before the change, and also had posters up in store.

 

I'm not sure of the legal standpoint as to informing everyone, but wanted to present the facts as I know them.

 

Kind regards,

 

Eagle Eyed

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Hi The_wife,

 

Sorry I'm coming in a little late here, but I thought I'd just clear this up.

 

The late charges went up in February 2009 (I forget the precise date, I have a feeling it was the 19th Feb, but don't quote me on that one) and BH would say that they did notify everyone as they printed it at the bottom of the reciepts in store for about a month before the change, and also had posters up in store.

 

I'm not sure of the legal standpoint as to informing everyone, but wanted to present the facts as I know them.

 

Kind regards,

 

Eagle Eyed

 

I know this is an old thread, but as I understand it (having studied a BrightHouse contract at long length), BrightHouse must inform you IN WRITING of any changes to your agreement. Your agreement then states if you object to the changes, you have 30 days to inform BrightHouse (in writing). If you do decide to exercise this right, your ORIGINAL agreement terms will continue in force. (Just another of those little golden nuggets of information buried deep within the small print...) :)

 

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 claim them back exactly as for bank charges - work out what they owe you, write and ask for it back. If they refuse, send them a LBA. If that doesn't do the trick, take them to court. They will pay up well before you actually get to court.

 

Hi

 

I just wanted to ask a quick question as was not aware I could claim back late charges andI am now finished my agreements with BH.

 

What letter should I send and what should it say, will i need to ask for agreements or something first to see how many late charges I had before i can claim?

 

Thanks for your help in advance

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Hi,

 

You would need to send a Subject Access Request to know the score regarding payments made and any charges they have applied,


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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this one is a new one for me very interesting as it didn't work like that at the store i was with, my pay day in day was a Saturday if i missed that day i was charged for the Saturday Sunday and Monday if i didnt ring in by 9am on the Monday, i was charged for each agreement for each day i was late, and of course had to pay that week too. must look into this one thanks for that, also if you can help my friend has just started a on line petition against bright house we need 500 signatures so we can take it to downing street as im not computer wise i dont know how to post the link, but it is on my facebook im not sure if i can post my email address here so if anyone wants to sign it please private message me and i will give it to you so you can sign it.. thanks :-)

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Great information I went in the store and asked about this they told me NO ...you signed an agreement ..I pay £12.00 every time Im late which at the moment is quite often as we self employed and the current climate is terrible.we barely scraping a living but yet brighthouse are constanltly sending me offers to get discounts ..WRONG WRONG WRONG !!

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The fact that you signed a contract is irrelevant as the term they are relying on ib said contract is unlawful


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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hi im a newby i hope im ding this right.

 

i am having such awful trouble with brighthouse so much so it is making me ill. Really need some advise guys

 

Thanks

 

helen

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If you make a payment late, BH will charge you (currently) £2.70 per agreement per week.

 

These charges are unlawful penalties and you can claim them back just like bank or credit card charges and using the same method.

 

payment is due on a sat and somtimes due to financial difficultes or not being able to get to a phone in time i always get charged £5.00 on top of paying roughly £9.00 for the tv i purchased and being told i had to take out their D L C insurance which was about £7.00 just for the 1 item per week im sure if added up with all the late payments ive paid over the months i would of paid for the tv twice over , im behind on a couple of payments due to loss of hours in work everyday i get a call on my phone and every week 2 or 3 times having them knock on my door im scared to think they will take the tv back after all the money ive payed me and my 2 children sit dreeding the the doorbell ringing incase its them any advice would be appreciated

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ruth, helen

 

Start by reclaiming the charges - see link in my signature to my BH case for info. Look at Lefty's fact sheet about the insurance to see if you do something about that too.


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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Hi

 

I just wanted to ask a quick question as was not aware I could claim back late charges andI am now finished my agreements with BH.

 

What letter should I send and what should it say, will i need to ask for agreements or something first to see how many late charges I had before i can claim?

 

Thanks for your help in advance

 

hi just wanted to know how i could find out how many late payment charges ive been charged esp if ive not always paid by credit card thanku

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You can send a subject access request under the data protection act. They have to supply all account details


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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You can send a subject access request under the data protection act. They have to supply all account details

 

i got a tv from bh total cash price was £999.13 payable for 156wks at £9.22 per week with an interest of £439.19 total amount in all £1438.32 for some reason ive been paying £16.32 wk an extra £7.10 when i questioned this i got told i had to pay the insurance as i didnt have house insurance after a good few mths of paying it every1 seem to think it was alot to pay and was wrong , i phoned up the store and they said it was insurance and i had to pay it in case of theift or fire damage as house ins doesnt always cover it they assured me it was right and i couldnt get out of this agreement , i carried on paying up until about 4wks ago whilst trying to look into what was legally right and wrong with sometimes money trouble i miss a couple of weeks but always catch up at the end of the month bringing bk to date even to the point that nearly every week from starting the agreement ive had to pay a late fee charge i seem to have recalled it being £5.00 i will have to look that up , bh said ive been charged £3.00 , after joining this site out of my wits with worry on what to do i decided to phone today and i spoke to the manager i explaind that on the agreement ive got it doesnt say anything else apart from the £9.22 i should be paying for the tv i tried to explain that and he said i had to bring the agreement instore and i was paying insurance of £2.70 and i might of taken out dlc cover i remember clearly i hadn't taken dlc out so all this time ive been paying well over the odds for the tv ,i asked the manager for a print out of all the payments ive made last 2yrs which i brought it roughly to total of£1749.28 thats without late payment charges nearly working out every wk , the manager said he couldnt print a copy of payment out as the system wouldnt let him because i wasnt up to date with the payments and if i made a payment there and then he would send me a copy , he tried his best to put me down and said if i didnt pay some1 would be round to collect the tv i said i wanted to look into this as so many people think the ins is wrong , i ask them to stop the phone calls which i constantly get day in day out and the constant knock at the door , he denied they have been harrasing me and said they had every right to visit as it was there goods not mine and wanted to know why ive took 2yrs to queerey it i did tell him i spoke to some1 after few mths and they said i had to pay it and finish the agreement he said i didnt stand a chance taking them to court as i wasnt intitled to any of this back no 1 has ever won a case on this please help as im so confused with it all i was thinking to go straight to cba in the morning to see what they had to say , if any1 could help me it would be appreciated so much thanku x

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Late fees are going up @BrightHouse from the 8th August to £3.50.

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That's £3.50 per agreement, of course. These charges would be unlawful even if they were 35p


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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My ex, who is a pensioner, (BrightHouse perfect target,) has been paying both insurance & the maintenance thing.

She was of course told that the things she bought would not be repaired if they broke. It was not until I pointed out that she was RENTING the items until they were paid for, they were obliged to repair or replace with an equivalent item before the rental term expired that she understood what I was talking about.

Then of course there's the LPC. I reckon there's at least £1,500 in it.

She is reluctant because she thinks she can't win.

To be honest, I think it needs someone to NOT accept settlement so this really gets into the public domain.

All the cases so far have been settled out of court, no doubt with confidentiality clauses built in.

 

EDIT:

She has kept ALL receipts. :)

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Hi Dave, Welcome to CAG

 

I got as far as filing in court with BH and they instructed a solicitor and aid they wee going to defend in fall, blah, blah. I stuck to my guns and they paid up without going to court. They always do because, the claim has to be huge before it ceases to be cost-effective to pay a barrister in stead!


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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Hi Steven.

I suspect the reason they said they would take it all the way was to try to intimidate you.

They caved when they realised you would.

I suspect my beloved isn't that strong but I can hope.

Interesting thought, why did they change the name from "Crazy George" to "BrightHouse"? Was it because someone didn't only not cave but didn't settle either?

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