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arianna22

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

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so you dont have all your statements?

 

dx


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might be an idea to SAR them then.

 

dx


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

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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

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ok what do i need to do with them as ut don.t show the insurance products on there only normal payments.when i get all the spreadys what is i need to look at and then respond to them i.m a bit over my head with these ,what i don.t get is they are ammitting to miselling dlc that i never asked for but not the osc don.t make sense does it.

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ok what do i need to do with them as ut don.t show the insurance products on there only normal payments.when i get all the spreadys what is i need to look at and then respond to them i.m a bit over my head with these ,what i don.t get is they are ammitting to miselling dlc that i never asked for but not the osc don.t make sense does it.
thanks

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got my statements here have got them all what do i need to look at.thanks.

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so there is no indication whatsoever that you are paying OSC

or to that matter, the DLC .

 

what about agreements you signed?

 

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

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it only states you are paying osc doesn.t say how much but my agreements states how much got all that information.should i appeal their decision or go straight to small claims court as they don.t rush and try and sort it out.i.ve had family with me when i went to get items and they can vouch for not being asked if i wanted it and alsi never given chance to read the documation also you are never told that your items are covered for first year anyway. what do you think is best. to go about it.

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yes why not

 

very bad you are not told how much it is

 

could even be unlawful

 

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

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thanks will keep you updated as soon as courts open will go for the documents i need and go from there.thanks again for all the help.

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courts don.t open until 2nd jan and bh never sent cheque on monday like they promised they have informed me its being sent recorded delivery today instead but we.ll see.

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god bh lie all the time

 

cheque is being sent recorded delivery monday then thursday and yes it did go out thursday

can.t find tracking number and the woman who is dealing with it ain.t in until monday.

 

o guess what

 

i.m now told aswell its being sent to the store not me and they said they not received it either

 

bh are lying or royal mail is crap i know who to believe.

 

sent in another letter for osc damages and late charges and also told them contracts are worthless as they breeched them when adding osc without my permission

 

they didn.t like this given 14 days and if no response court on the 14/01/13 can.t wait.

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hi i

have phoned and wrote letters as of yet no reply in writing

only reply to emails i.ve had is to phone them about my complaint

 

to be honest i phone them cause thats what they always did to me so thought i.ll pi** them off aswell.

 

they.re saying the cheque is delayed due to christmas

they sent it after christmas and was suppose to be recorded delivery

i don.t think they.ve sent it yet .

 

i went in on saturday to local store

gave my next letter made them sign and date my copy

they didn.t want to accept it mind and they faxed it to head quarters

 

i was told it had to go to my store that done my contracts.

 

i think i should just go straight to court on wesnesday with form cause i know they are not going to respond to the letter

and have waited to long for the dlc to be repaid.

and don.t see why i should have to wait even longer for osc

they had to have their money everyweek why should i wait.

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well got my cheque for 827.98 today for my dlcfrom bh and yes i was right it was posted on the 31/12/12 not the 27 like they said it was.

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one down

 

one to go!

 

dx

 

The Consumer Action Group needs help to cover itsexpenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate


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

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Updated brighthouse as been issued with court docs from me they have until 23 feb to reply or pay money owed.they not taken me to court like they said they would still want me to do a rewrite lol.another thing xray Wants to talk to me about bayv and bh misselling waiting for their phone call.i contacted them after seeing the mis selling from argos and currys and they said they are very interested in this case aswell so hopefully before long everyone will know about these companys mis selling these insurances and they.ll know their rights.

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Well received a letter last week from a debt firm saying that i owe bh 425 and want payment

 

they done this day after being filed court papers .

 

and now today got another saying they are defending the claim

 

what do i do now as in the court leaflets no information if this happens so haven't a clue what i.m to do.

 

the debt letter is weird as they said i.ve defaulted on 425

 

i.ve not paid since last october so it would be an hell of alot more

 

don.t know what they are playing at .

 

[EDIT] are looking at my documents to see if its a good case to do of the misselling

 

she was shocked about bayv insurance giving you a loan so ypu pay interest on it and they don.t tell you this.

 

i hope they can make head or tail of the documents

 

cause i haven.t a clue what anything is on there they are so complicated.

 

so any advicr on the court claim eould be great please .thanks

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own thread created.

 

dx


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

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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

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so you have a court claim form?

 

who from?

 

dx


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

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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

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and dUMP the CMC!!

 

they will cost you MORE MONEY

 

do it yourself

 

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

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Hi i must of signed up before and some how signed in as antoina26 instead of arianna22 can.t remember signing up before .so you know my case i took bh to court and they are defending the claim but don.t know what i.m suppose to do now.

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ok i'll get you help

 

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

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Well received a letter last week from a debt firm saying that i owe bh 425 and want payment

 

they done this day after being filed court papers .

 

and now today got another saying they are defending the claim

 

what do i do now as in the court leaflets no information if this happens so haven't a clue what i.m to do.

 

the debt letter is weird as they said i.ve defaulted on 425

 

i.ve not paid since last october so it would be an hell of alot more

 

don.t know what they are playing at .

 

[EDIT] are looking at my documents to see if its a good case to do of the misselling

 

she was shocked about bayv insurance giving you a loan so ypu pay interest on it and they don.t tell you this.

 

i hope they can make head or tail of the documents

 

cause i haven.t a clue what anything is on there they are so complicated.

 

so any advicr on the court claim eould be great please .thanks

 

If the BH debt from the DCA is regarding an account that you're taking them to court over, write back to the DCA and tell them the account is disputed and subject to a court case. This should stop them chasing you.

 

What date was the claim made? You say they're due to put in a defence by 23rd. I assume this was done online? If they put in a defence then the case should go to your local court and you'll get an allocation questionnaire from the court so a judge can decide which track the case will be allocated to. In all likelihood this will be small claims and then you'll get a court date and instruction on what to do next.

 

If they don't put in a defence you'll be able to apply for judgment by default.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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hi

bh put in their defence

 

court sent it out to me on the 6/3/13 but still not received it

 

the questioner has to be in by the 25/3/13

they.ve resent bh defence last wednesday

still not received that.

 

i.ve downloaded the questioner

but how can i fill it out without knowing the defence

 

am i able to get more time from the court and what is my best defence against the mis selling

 

i.ve witnesses to this also bh dating my documents showing me where to sign

some of my copys not being signed by them or by me .

 

i.m worried about the court saying i should of read them

and i could of cancelled them but even now they don.t make any sense to me .

 

unless you know legal matters they are confusing

 

should i see if a solicitor can help i.m thinking if i can win with their help i rather pay them to win than get nothing.

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