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Brighthouse Asset recovery


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Hi,

 

I am having a problem with brighthouse. I have fallen behind with payments and now been told that there is nothing they can do in store and my account is going to be sent to asset recovery.

 

I had 4 agreements with brighthouse. one was table and chairs which 2 weeks ago I agreed to have taken back.

 

2nd was a mobile phone which I paid off on Friday 3rd July.

 

3rd was a fridge that I paid £40 on Friday 3rd July to bring account up to date so I was told.

 

4th is a 2 seater and 3 seater sofas which I am waiting for repair since February when my account was all up to date.

 

I had an account re write around April but have failed to keep up to date.

 

Like previously stated I paid £60 on Friday to the area manager who phoned me and asked me to attend store to sign new agreements. I was unable to make it to store to do this. He phoned me on Saturday asking me to attend Store where my account his held canton Cardiff by 9am today Monday 6th July or my account will be sent to asset recovery. As I live 40 miles from that store and don't drive I phoned to tell them can't make it to them. On my last re write I was not given any copies of the agreement and told I had to have the insurance even tho I got my home insurance.

 

I have had the sofa's since February 2008 and until april was up to date with payments.

 

I hope someone can advise what I can do as I can't loose my sofa's

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Also after speaking to Area manager I asked about my re write and he said that payments would be taken into count before re write.

 

Looking at other threads this information does not seem right as a re write is a new agreement. So looks like they don't need a court order to get sofa back

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You can get a re-write - just to make sure that all your previous payments are taken into account (and your rights), take this letter with you:

 

Original agreement number XXXXXXXXXXXXXXXX

 

New Agreement number XXXXXXXXXXXXXXXX

 

Date

 

Updated agreement to reflect Account Re-Set

 

IMPORTANT Payments made previously on this agreement (XX payments to date representing XX of the total amount payable) are to be reflected, and form part of, any revised agreement.

 

All rights under the Consumer Credit Act 1974 regarding, in particular, “early settlement” and “repossession” as set out in section J of the original agreement remain intact and continue uninterrupted into any revised agreement.

 

Signed - YOU

(Print name)

 

Signed - Store Manager (for and on behalf of Caversham Finance trading as BrightHouse)

(print name)

 

If your home insurance states that HP items are covered, then they HAVE to remove DLC - I had to ask the insurance company to put this into writing for me - only then did BH accept it and remove the policy.

 

As for the sofas that are in for repair - I would be demanding them back ASAP. Brighthouse are notorious for keeping items for weeks and weeks!!! Write a strongly worded letter to both head office and your branch. 5 months is far too long, and they may well be in breach of their own contracts. On this basis, I would refuse to pay until they return you repaired sofas.......

:)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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  • 2 weeks later...

I have received a card today through door asking for the full amount owing.

 

on the card its says to discuss the account. But it was 2 guys in a transit van. One was the same guy who came when I agreed to send table and chairs back.

 

I have been on other sites and they state that Brighthouse / Caversham finance can not take goods without court order even if 1/3 has been paid.

Is this the case..

 

Also if they can't resolve the issue they stop chasing after 90 days and the store picks up the cost out of their budget or something.,

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I have received a card today through door asking for the full amount owing.

 

on the card its says to discuss the account. But it was 2 guys in a transit van. One was the same guy who came when I agreed to send table and chairs back.

 

I have been on other sites and they state that Brighthouse / Caversham finance can not take goods without court order even if 1/3 has been paid.

Is this the case..

 

Also if they can't resolve the issue they stop chasing after 90 days and the store picks up the cost out of their budget or something.,

 

Hi.

BrightHouse DO NOT need a court order to repossess their goods if less than a third of the agreement total has been paid.

However, they can only repossess their goods if they are in a public place.

They have no rights of entry to your home.

BrightHouse would have to apply to the county court for a RETURN ORDER to enable them to repossess their goods without your consent.

This is explained more clearly in our BrightHouse fact sheet HERE

Hope this helps.

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...

 

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