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arianna22

brighthouse issues + insurance reclaiming *WON DLC REFUND* - OSC ongoing

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hi

 

i.ve got about 8 items with these and my money as recently gone down and couldn.t afford the payments ,

 

so got behind payments

 

were £108 a wk.

£20 of it is my daughters .

 

its now 6/7 payments late

 

£180 late charges

 

had constant phone calls that start at 8 in the morning until 5.30

 

had visits also demanding goods back.

 

EVen had their debt collectors calling

 

not very nice man threatening me in front of my kids even though i had CAB on the phone while he was there he lied through is backside.

 

i.ve been in to see them after they told me they will help but instead told me flat out unless i return some of my goods

or pay what i owe they won.t rewrite it and won.t take the insurance off my items either to drop the price down.

 

they said my account is being delt with a solicitor even though i ain.t heard nothing .

only received default notice on the weekend but it don.t state anything about when they need payments by

just states they first ever payment i missed and the late charge.

 

do anyone now what they can do and where i stand got about 4 items ending within the next few months to a year.

 

thanks in advance for any help.

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The debt collectors have no powers and can be told where to go and close the door

 

how much have you got left owing in total

 

what is the insurance on it if you have home insurance you wont need it and may be able to reclaim it back


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hello and welcome to CAG.

 

I hope the forum guys will be along later with advice for you.

 

My best, HB

 

Edit: crossed posts, sorry. Ihatebailiffs posted while I was typing. :)


Illegitimi non carborundum

 

 

 

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you can reclaim both the ins and the other thing too.

 

as for their threats

 

IT's an HP agreement

 

if you've paid more than 1/3rd of the argeements, they'll need a court order to take them

 

and even then, it would be a COURT BAILIFF

 

not some bog from BH/DCA, theyhave no legal powers to take NOWT.

 

plenty of threads here to read

 

time to wise up and know what they/you can/cannot do

 

send the telephone harrassment letter too.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The debt collectors have no powers and can be told where to go and close the door

 

how much have you got left owing in total

 

what is the insurance on it

if you have home insurance you wont need it and may be able to reclaim it back

 

hi

 

i.m not quite sure under 2000

 

i.ve got household insurance and i didn.t want all the insurance that i got but they made me have it .

 

if it goes to court can they take items as had phones for my son and daughter as presents before my income dropped .

 

they won.t accept any payment at all unless items are back or arrears paid.

 

can they make me pay all them charges and the insurance i.ve been a brilliant customer up to now .

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thanks for all the help its a great help

 

Cab by me are not really sure on hp arangements and 7 wks before i can be seen .

 

to be honest if i could got another settee i would give this one back its 2yrs old and utter rubbish

 

i.ve had it fixed so many times and it still breaks .

 

it has losts of zips and they keep breaking twice had to wait over 3 months for it to be fixed.

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would i be able to claim all the insurance back as i.ve always had house insurance and they know this as had copys ,

 

was unemployed when all taken out as they are in my name not husbands.

 

have you got to pay the charges every week

 

they.ve changed their contracts recently

 

my old ones i probably can

 

anything lately i don.t know

 

as they.ve not put the same wording on them as before.

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hi arianna,

You should be able to claim back your OSC and your DLC. You have house insurance, so, IMHO both of these were missold...

Also, I have read that the charges for late payment are unlawful, - you should be able to claim this back.

 

My experience with this company leads me to believe that in order to claim your rights under law, you have no choice but to take the company to Court. I would love it if they proved me wrong on this point. If needs be, if they are not willing to help you, then consider making a small claim against them through the Court. There are many people here who would be willing to help you if you decided you need to do this.

 

Good luck!

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just to be clear

 

you DO NOT need any house insurance on any HP schemes.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok thanks for all the help its taken a load off mind.

 

i.m to phone them by 3 tomorrow what should i tell them

 

they want the phones as they are the most recent and the most money but i.ve paid them up until end of october .

 

i had them in june and july and my laptop which ends in may next year thats about 50 for them 3.

 

should i just say take me to court and if they do this will i be able to attend cause i want the court to know how they treat you.

 

how come they keep getting away with it all.

 

how do i go about claiming all the insurance money back also.

 

can.t believe the help i.ve had tonight its amazing .

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you are under no legal obl to converse on the phone

 

writing only!!

 

you need a data trail.

 

do you have all the statements?

 

if not SAR them

 

you should be able to put in a reclaim then.

 

though there are instances whereby members have gotten the osc etc back by contacting their customer services.

 

have a look at a few threads here.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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been to my local cab about my problems with brighthouse .

 

cab not up to scratch on higher purchase issues and as i.ve got some other debts

 

he asked if i wanted to do a debt relief order,

 

as they won.t come to an arrangement for the missed payments.

its all or nothing.

 

need help claiming insurance back on everything

 

don.t know how to go about it and the charges for late payments.

 

but would they take me to court got a few items that i had this year and a few nearly finished. a

 

nyone ever done a debt relief order with brighthouse and did anything happen .

 

 

would of rather paid them off but they won.t budge.

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I think if you do a debt relief order it will be for ALL your debts.

 

Have a read of the stickies in the PPI forum to see how to reclaim your PPI :) Shout if you need any further advice, or post in the PPI forums.

 

Do you have all your statements ? If not then you will need to send Subject Access Requests to companies in order to obtain them.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I think if you do a debt relief order it will be for ALL your debts.

 

Have a read of the stickies in the PPI forum to see how to reclaim your PPI :) Shout if you need any further advice, or post in the PPI forums.

 

Do you have all your statements ? If not then you will need to send Subject Access Requests to companies in order to obtain them.

 

hi i.ve got 2 statements

i think what i need to know is will they take me to court to get goods back if i go down that root cab says

 

they.ve not heard of anyone going to court and thinks i should take a chance ,

 

the thing is i.ve not really got choice our income as dropped by over £400 a month and simply can.t afford to pay them

 

.i.ve got 3 phones with them which where gifts for my children for birthdays then a month later income went down.

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hi

 

got into arrears with brighthouse about 8 wk payments owed.

 

i came on here about it a few weeks ago and was told about my insurance to claim back.

 

i.ve told them this and have really looked into it

 

i.ve always had home contents so never needed it

 

what happened was they tell you to sign here here and never ask about your if you are already covered

 

.only twice they ever did and i showed them my documents but still they gave me their insurance.

 

they got really nice to me after i told them i want to claim it all back

but what they are trying to say is you signed it why did you do this.

 

we.ll have to investigate it to see whats happened

 

i.ve worked out over 4 years with them i.m owed over 4500

 

do you think i will get this back all

 

they want is their arrears and i told them no way you owe me more than i owe you

 

when you pay me you can have your goods back but not until then

and even said they will take me to court in 28 days

 

so i said go on then

 

i.ll take you to a small claims court then and make it public so everyone will be looking to claim insurance back they soon shut up.

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i've merged al your thread on BH

 

keep to one please.

 

you do not habe to give the goods back

 

i hope all of this is in WRITING

 

if not start now.

 

send them your calculations regarding the insurances

 

and also dont forget the PENALTY charges too.

 

fill this out too:

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

one for the insurances

 

one for any fees

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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you'll need office or open office

 

just checked ok to me

 

whats the issue?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i.m posting on my phone and was trying to find out how i work out what they owe me plus interest.

 

brighthouse are getting back to by end of thursday with a decision

 

can.t see them giving the money without a fight mind.

 

they never even asked how much they owe just that i.m claiming all insurance back and they said they will look into it.

 

to be honest she was really nice took all details and said will pass to area manager to investigate my claim and will be in touch by the end of thursday.

 

have they a leg to stand on i.ve got all my insurance docs for the house .

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lets just clarify one point

 

you DON'T need ANY insurance on HP agreements

 

thats a read herring BH use to spoof people.

 

as for the spready

 

you'll need to use a pc sadly.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok thanks for that and all the help .

 

if the insurance bit is true how are they still able to do this to you

 

i had to take my insutance docs in to prove i.m covered for the last few years .

 

she even said that sometimes your home contents don.t cover you for hire purchase and if so you would need the insurance.

 

how come these companys are getting away with it banks have been stopped why not them.

 

its hitting the poorest and already struggling familys who won.t question anything cause they need them items they know this and take advantage.

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They get away with it because

 

a) People dont bother to check that what they are being told is correct

b) When they are reimbursed after a fuss, people dont continue with their complaints to the regulators

 

Whilst the OFT wont deal with individual complaints they are required to keep records that show the type of complaint, frequency and the company the complaint is regarding.

 

The Financial Ombudsman will actually charge the company to investigate a complaint.

 

As always, unless a lot of complaints are made, then the regulators will just consider it a one off.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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you are right

 

once you get what you want you don.t bother going through with complaints ,

 

problem is the process you got to go through to make the complaint.

 

bh are suppose to be getting back to me tomorrow about my claim

 

no figures are mentioned as i told them that i want all my insurance back on every item over the last few years .

 

and they said they.ll investagate it .

 

they did try and say but you signed it and i replyed well you just said sign here here and here ect

you never asked for insurance and didn.t ask me.

 

if they come back to me saying we've not missold it and we not giving money back

 

what should i say back about taking it further.

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they'll refund them

 

they have with hundreds of people

 

the word is getting around.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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