need urgent help with brighthouse!!!

[cazcraig]

hi all, in a bit of a predicament, me and my husband have just separated we have quite a large bill with brighthouse that is in his name, the goods are at my property, we took off all osc and dlc some items are quite new, some say a year old and some almost paid, dont really want to send it all back were do we stand as to the goods being here but them being in my husbands name?? can they come ina nd take them etc etc? any help would be greatfully recieved, thanks

[cazcraig]

can anybody help me please ??????

[ByCandleLight]

to answer your question, no BH cannot come into your house and take the goods, they have to be let in ( does you Husband still have keys to the home and could let this happen?) for BH to be able to take the goods without consent they would have to get a court order

[cazcraig]

hi, husband doesnt have a key any longer, the problem i have is if the goods are in my house but they are in his name and he is no longer here how do they go about recovering them? also some of the goods are no longer here ( i know we should of kept them until they paid for etc etc) so were do i stand on those goods?? can they chase me for everything etc etc?? thank you in advance

[sunsh1ne]

Without knowing how large a bill and what items we are talking about it is difficult to give the best advice.

 

I would reccomend sending back un-essential items that are not almost paid for for a start.

 

BH cannot enter your home unless you let them. What other items do you have? Would it be possible for you to take over payments of the items you need? With the bill being a large one I would imagine that you/you're ex have been a long standing customer, would this mean you would have a pretty good relationship with the manager? Would it be possible to speak with him/her regarding the situation before it escalates to the embarrassment of door step calling? I would imagine that the manager would request a forwarding address for your husband - (it depends on how the land lies between you and he as to whether you give it of course!) he/she would be asking this obviously to chase payment of items he has but also to test the water with yourself to see if you are genuine so to speak - as you can imagine some people have tried to falsely claim this before.

 

The bottom line is that it is your husbands name on the agreements and your husbands name only - you cannot be chased for payment unless you are named on the agreement, it is his responsibility to make these payments. As to you having the items they would only be able to recover if they obtained a court order.

[cazcraig]

i used to be on the agreement and i have signed for things in the past, then it was put in joint names, and then a couple of months ago when we took out a new agreement they said they couldn't have joint names any longer and so because my husband went in store to sign the new agreement he was the one that resigned every agreement we had. i am quite concerned about the items we no longer possess and i don't know where he is, i imagine staying with relatives

[sunsh1ne]

I would contact the store to see how the land lies with them. See what they say and then come back here with an update and to request further advice if needed. With you having been on the account previously Im not sure how that would lie - but if all the new agreements are in ex's name i would imagine that the payment still lies with him. However I would get this confirmed

[cazcraig]

thank you for your advice sunshine, do you know how long it would take them to get a court order?? and would the court order be enforceable at this property if the debtor is no longer here??? as for store manager he is typical b/house employee arrogant so and so

[sunsh1ne]

As I said Im not 100% on the court order etc - in all honesty they dont normally go that far they just chase it for 90 days, after that time elapses it will "drop off" and the store would not be able to deal with the debt because after 120 days the debt is sold to an outside agency, which means bailiffs - real ones! But as you say the agreements are in the ex's name so I would say you are pretty safe but please get official advice, perhaps via the CAB only because you have signed the original agreements too

[MARTIN3030]

They could issue a summons -but you would have the right and chance to defend.

But since the agreement is not in your name,a summons would need to be in your Husbands name.

In any event they would be expected to have had dialogue before issuing proceedings.

Even if they DO sell on the account or engage third party recovery,only a Court could make an order.

 

If a CCJ was issued and remained outstanding,then Bailiffs COULDF be in

structed.Thats a long way down the line.

 

Meantime,you need to put something in writing informing BH of the position.

[MARTIN3030]

Are there any goods on the agreements which you were party to ?

 

Can you say how those goods (where payment remains outstanding) have been disposed of ?

[me here]

reg conntact details for brighthouse (cavendish finance) 01923 488 200 director Joseph leo mckee (7 directors resigned in last few years why ???)company has 74 million in bank overdrafts and loans in 2008 thay had a 5 million credit in 2010 only 1.5 million credit