Brighthouse Urgent Advce needed

[JO1010]

Hi guys, this refers to an account opened in 2009.

 

Basically i signed up in store for a laptop and took out both insurances all payments were maintaied and up to date then about a month after havng product i went on a train woth laptop and forgot/lost it on train and departed train without it.

 

I informed Brighthouse immediatly who told me i was " lying ****" and they would contact police for "obtaining good by deception"

 

I conacted the British transport police who reviewed cctv and seen me boarding with laptop but leaving without and they followed the train and seen another male walking off with my laptop a few stops later on journey. British transport police issued me with a crime number which i provided to Brighthouse.

 

I was getting knocks on my door every day and harrasing phonecalls for about 2 months as store said i was still liable and had to pay, so my question was why was I paying insurance?? At point of sale the advisor told me as it was a laptop it was covered away from home same applies to a mobile of bought from them apparently.

 

Its now 2011 and out of the blue this has been brought up again and i am having letters demanding full payment? Can anyone tell me where i stand legally??

 

In 2009 i tried to complain to customer realtions and was told that it had to be dealt with by store manager and he was nothing but a bully, also there staff used to come into my place of employment to intimidate me and on one occasion a female member of there staff said in front of all the staff in my store "when you coming to see us to pay for your laptop"

My Responce was are you licenced to discuss accounts in public and she quickly left?

[ihateyes]

no legal eagle, ut a SAR is required here. Getting this will let you see what the credit agreement as for. Also the terms and condtion etc and th insurance policies should be attatched showing what your covered for.

Im sure from here someone on here will be better placed to advise you further