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Helping my son with Brighthouse


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Hi everyone,

 

I am helping my son and his wife sort out their finances and came across their Brighthouse items.

 

My son had an accident and is not currently working and his misses has just given birth.

 

They have 4 accounts running at the moment which includes are the add on insurances.

 

After reading some of the posts on here they will need DLC as they don't have any contents insurance or is there a cheaper policy that will be better?

 

They also have service cover on all of the items which after reading is a huge con, I want them to cancel this and can this be claimed back?

 

Do brighthouse have any PPI included in their agreements as the last couple neither of them have been working when they signed the agreements?

 

Sorry for all the questions.

 

JJ

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actually you dont need home insurance to cancel DLC

 

you can reclaim BOTH..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks Dx, I am going to pick up all their paperwork this week and have a good look through it.

I was shocked to see how much they were paying for their bits.

Am I right that they should get a yearly statement as it is a credit agreement?

 

JJ

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not sure - but they are HP agreements

 

the items typically cost atleast 2.5 - 4 X the market value through them.

 

get everything back you can.

 

and dump them ASAP.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ah sorry didn't even look at the username all ok..

 

there are ethreads here on doing this

 

though i think

most get resolved offlist somehow

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:thumb::thumb::thumb:

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, I now have all the paperwork with me.

 

First thing I noticed is the way they lay out their contract is very confusing and hard to work out all the prices and payments.

 

They have two phones on 52 week contracts and have the service contracts on them, I cannot see how long this service contract last. Is it while the phone is being paid off? If so the phone has 1 year warranty with it so this must be miss sold.

 

Please correct me if I am wrong but if they have not paid on time and paid late that the insurances are null and void?

 

Sorry for keep asking all these questions.

 

JJ

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not unless its in their T&C no

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, in their T&C it states:

 

“Your Obligations: Optional Service Cover

Section C (b) The service cover premium is renewable each time your regular instalment is due under the agreement. If the premium is not paid Service Cover will lapse.

 

The way I read it is if you are late with a payment your OSC will lapse even after you are up to date with your payments.

 

So if you are late paying say on the 2nd week of a 104 week contract you will be unable to claim on the OSC for the rest of the 102 weeks.

 

Am I right?

 

Thanks

 

JJ

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yes it will lapse

 

if that means it will comeback once you pay is another matter

 

eitherway

 

i'd get it back

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx, I have just been reading through some of Leftys posts on the matter which has helped.

 

I am going in with my son on Thursday with some letters to cancel the insurance (copies to head office recorded of course).

The annoying thing is I fly out of the country for 2 weeks from the 1st and would want to be with him when he resigns the agreements.

I will let you know how I am getting on.

 

On another thing DX I am having fun with a VT on a car I have just done: http://www.consumeractiongroup.co.uk/forum/showthread.php?367328-Shortfall-after-VT

 

JJ

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  • 4 weeks later...

JJ, is there an update on this please :)

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