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hi all since coming on here i have cancelled all my service cover with brighthouse, i have also told my sister in law to do the same, she is just beginning the process of doing this, however she also has goods from perfect homes and has enquired there about having there service cover removed also, they have told her she can not remove ANY cover at all unless she has house insurance, im sure this cant be right but wondered if anybody that knows more about this could help, thank you

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My partner is also a customer at perfect home and from what i can gather

it is a TAD (theft and accidental damage) agreement and that cannot be taken off unless you have home insurance that covers hire purchase agreements.

 

Brigthouse have OSC AND DLC

where as

perfect home have fixed sum loan agreement and TAD

 

Im not sure if anyone here has looked over perfect home agreement with a fine comb so at this moment in time there is nothiong to take off. Unless you have home contents insurance.

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Can't seem to find anything regarding PH fixed loan agreement for their coverplus - which, I suspect, is exactly the same as BrightHouse Optional Service Cover.

Check this post out - it may be of use to you:

http://www.consumeractiongroup.co.uk/forum/brighthouse/181650-perfect-homes-bright-house.html#post2175091

Perhaps you could get your sister to scan the terms and conditions of her agreement (removing any personal details of course) and post it up here for us to check out?

Cheers

Lefty

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I took a quick look over the agreement and i found this little bit intresting as i never knew this myself so here goes.

 

Terms of Hire-Purchase agreement

 

section 13

 

(a) "Coverplus warranty" means any optional coverplus warranty which you have agreed to purchase from us in respect of goods.

 

(b) "Fixed sum loan agreement" means the "OPTIONAL" fixed sum loan agreement which you have enetered in to with us in respect of coverplus warranty.

 

I cannot find anything thats says how to cancel, i would suspect that its the usual 7 days in writing.

 

Lefty i will scan the TERMS OF HIRE-PURCHASE and put them up for you later.

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