bright house and 1.5 years worth of charges

[monkeybutler]

could any one help me i looked online but cant find a similar situation basically a year and a half ago brighthouse reposessed a laptop i had of them and that was that or so i thought. today i got a leter from apex credit sollutions working as a dept collection agency on behalf of bright house for missing 2 payments of £14 plus late payment charges which they have been adding on over the passed year and a half bringing it to a grand total of £500 + . i phoned the company apex to question this and they said brighthouse have been trying to contact me lots over the time period and because they couldnt get hold of me passed it to them.

i have not moved or anything and they have not contacted me or my references once about the issue after collecting the laptop i dont no where i stand i really dont want to pay out 500 pound for missing 28 pound any help would be great thanks

[Hardupnotfedup]

Firstly stop talking to these clowns on the phone, everything in writing.

What kind of account did you have with Brighthouse, I feel that repossessing the laptop after only missing 2 payments is a bit naughty.

How much did you pay before they repo'd it.

Have you still got any of the original paperwork

[Bazooka Boo]

Personally, and IMO I would stump up the £28 to Brighthouse and ignore the charges, they have the laptop back, which they have probably sold on, and they are trying to make a profit out of unfair charges, would dearly love to see any company take a litigant to court over unpaid penalty charges...