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Brighthouse Help again!!! Nothing Unsual there then :-)


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OK. Here we go again, Now I have read somewhere on the forum about getting a Suject access Request from BrightHouse. This cost's us £10 as well is this correct.

 

The letter template is there also, Cannot find the thread to print it off, any help in finding it please.

 

 

Reason I am asking is this,Some years ago we had a little difficulty in paying, backwards and forwards we was with store manager, we eventually got the accounts up to date, but as you say the DLC or OSC would both of been void for that period, so not valid.

 

Also recall 2 times when we gave back mobile phones to be repaired, and in one case waited in excess of 13weeks for a NEW ONE, and 10weeks the other whilst still paying regular and on time.

 

And during this time the agreement came to an end fully paid up no defaults at all.

 

We got customer services involved and after 3 weeks store arranged for another phone, which I am cetain was a cheaper model than the original.

 

So where is our extra money gone.

 

 

Will they have to give us all the agreement details seperate for every agreement we had with a complete list of payments that were made, either on time or late, also all extra charges that were made,

Also remember them doing a rewrite once,

 

I have a monitor that has only 6weeks left to pay, but the screen broke one night some time back so is probably unrepairable,On reading some other threads could this possibly be handed back? It is broke and not working,It does power on thought. (Just thinking of the pc thread)

 

Won't be using them again

 

 

I am now working and we just have a few items left to clear.

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Ok, firstly the SAR letter: (you may need to alter it slightly)

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

5. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

6. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

7. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

The SAR should give you details of your new mobile phone as well - but you are within your rights to ask for a price comparison between the two.

 

As for your monitor - you only have 6 weeks left to pay, but the Sales of Goods (Implied Terms) Act will still apply. You are within your rights to request a repair/replacement - alternatively you can just give it back with no penalty. However, you have paid £xx amount already, so it may be worth getting it repaired.

 

The letter you need for this is:

 

Date…….

Owner / Manager's name (or The Manager)

Retailer’s name

Retailer’s address

Retailer’s postcode

 

Dear [Qwner/ Manager’s name or Sir/Madam]

 

Account No…………….

 

Supply of Goods (Implied Terms) Act 1973 (as amended)

 

On [insert date], I entered into a Hire Purchase agreement with you for [enter details of goods] from [insert suppliers details].

 

The following problems have arisen:

[Give brief outline of problem and any action taken]

 

I understand that under the above legislation, it is your responsibility to resolve the matter and would therefore ask that this is done within the next 14 days.

 

Yours sincerely / Yours faithfully

[Name]

 

Add as many details as you can and send a copy (recorded delivery) to the branch and Head Office. Send the SAR to Head Office.

 

Hope some of this is of some help :)

:)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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Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) What if we don't know all acc No's. Would it be worth asking the store? Also how far back wiil they go?

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

5. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

6. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

7. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

What else would we have to alter if anything on here?

 

Sorry for my Ignorance

 

--------------------------------------------

 

 

This is an Example

 

 

Date 01/01/2001

Owner name. Would all this be the local store or Caversham it's self

Retailer’s name.

Retailer’s address.

Retailer’s postcode

 

Dear [Qwner/ Manager’s name or Sir/Madam]

 

Account No……………. For Monitor

Supply of Goods (Implied Terms) Act 1973 (as amended) Leave as it is?

 

On 01/01/2001, I entered into a Hire Purchase agreement with you for One Flat 17" Computer Monitor from your store in Casablanca

 

The following problems have arisen:

On using the monitor one night the screen just happen to burst, and it does not work at all now.

 

I understand that under the above legislation, it is your responsibility to resolve the matter and would therefore ask that this is done within the next 14 days.

 

Yours sincerely / Yours faithfully

 

Mrs Bloggs

 

 

 

 

 

 

Seem a bit like an Idiot here as i am not sure if I am correct.

 

 

Also thanks for the info.

 

 

Just that I don't understand the bit with the monitor, as what happened, the youngest lad tried to climb on his mother a fell against the screen, so it is our fault it broke.

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I have copied your post and answered in red:

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) What if we don't know all acc No's. Would it be worth asking the store? Also how far back wiil they go?

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

5. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

6. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

7. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

What else would we have to alter if anything on here?

 

Sorry for my Ignorance

 

--------------------------------------------

 

Sorry, I am just so used to posting it and saying it may need altering!! You can get your agreement numbers from your receipts - as for the old ones, you could always ask at the store, but to be honest, they should be able to locate all your accounts from your address.

 

 

 

This is an Example

 

 

Date 01/01/2001

Owner name. Would all this be the local store or Caversham it's self

Retailer’s name.

Retailer’s address.

Retailer’s postcode

 

Dear [Qwner/ Manager’s name or Sir/Madam]

 

Account No……………. For Monitor

Supply of Goods (Implied Terms) Act 1973 (as amended) Leave as it is?

 

That is supposed to say (as amended).....so leave that bit in

On 01/01/2001, I entered into a Hire Purchase agreement with you for One Flat 17" Computer Monitor from your store in Casablanca

 

The following problems have arisen:

On using the monitor one night the screen just happen to burst, and it does not work at all now. The screen burst - as in literally? Did it make a sound?

 

I understand that under the above legislation, it is your responsibility to resolve the matter and would therefore ask that this is done within the next 14 days.

 

Yours sincerely / Yours faithfully

 

Mrs Bloggs

 

 

 

 

 

 

Seem a bit like an Idiot here as i am not sure if I am correct.

 

 

Also thanks for the info.

 

 

Just that I don't understand the bit with the monitor, as what happened, the youngest lad tried to climb on his mother a fell against the screen, so it is our fault it broke.

 

If it was accidental damage then you will not be covered......

:)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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Thanks for response,

 

OK so Monitor is not worth trying as it was accidental damage, and I am not one for trying it on, so to speak.

 

So thanks for that info.

 

On the SAR, how far can you actually ask them to go back?

 

 

Great helpful site BTW.

 

Big thumbs up to everyone.

 

Forgot I signed up in 2006

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They should hold records for all your agreements (past and present). They are unlikely to hold anything on accounts that were closed/paid off more than years ago, but you never know.

:)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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They should hold records for all your agreements (past and present). They are unlikely to hold anything on accounts that were closed/paid off more than years ago, but you never know.

 

 

How many years ago :)

 

These are the ones I want to look into Closed and paid in full

 

 

So how far back can they go please

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Argh - it's my number 6 key, it doesn't always work......guess where I got the laptop from :rolleyes:

 

Anyhow, it's 6 years :)

:)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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