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marcus6

4 wks missed to BH - now demanding good backs - help

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can you post some up

I've never seen them.

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

 

Hi dx,

 

i will do it all tomorrow! when i have alot more time on my hands. thanks for your help.

 

Thanks

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open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.


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 dx, i can not get a bigger img up on here could i e-mail you it! as i'm not that good when it comes to working on PC

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open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

 

 

I dont have all the opt for doing this!!

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Use an external image hosting site like photobucket and link it here.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi dx, got it up so you can see, this is what BH sent me, i have 22 pages of this, as you can see the OSC & DLC are on there own,

 

so when i do my spreadsheet i need to us the one the adds 8% to it! is that right?

 

Thanks

Edited by marcus6

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yep

 

the manage attachments box is down the screen a good way

 

well below the 1st screen

 

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 dx, do i have to do a spreadsheet for each Agreement or just do it all on 1

 

Thanks

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post 75


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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one for all osc

 

one for all dlc

 

sri

 

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'm doing my spreadsheet for OSC at what point does the interest stop geting added! i only ask as i have got to a point where it has stoped adding on interest?

 

( or have i done something wrong for it to stop???)

 

 

This spreadsheet i do use it as it is yes! so as i put each OSC payment down it adds the interest on from that date to todays date?

 

Thanks

Edited by marcus6

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statint sheet post 75?

 

use that one.

 

if itsstopped calculating the 8%

 

means you've changed something in col 4/5

 

just open a new copy

 

and copy your first 3 cols into it

 

that should sort it.

 

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 dx, yea i'm useing that one mate! somthing went wrong but its all fixed now.

 

Thanks

 

statint sheet post 75?

 

use that one.

 

if itsstopped calculating the 8%

 

means you've changed something in col 4/5

 

just open a new copy

 

and copy your first 3 cols into it

 

that should sort it.

 

dx

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Hi dx,

 

ok i have done my one for OSC what info to i put at the top of the page! as this is for PPI and i'm useing it for OSC,

 

Thanks

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Hi all,

 

Thats all done now! OSC and DLC spreadsheets are done! do i need to change! anything at the top of them spreadsheets? also is there a template letter on here that i can use, with the spreadsheets when i send them?

 

Thanks

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there is no template letter for this - you simply say something along the lines of..

 

Please find enclosed spreads for OSC and DLC which I was misled in to having. I am now requesting that you repay this to me as per the enclosed spread sheets.

 

Have you changed the title from PPI to OSC / DLC ?

 

I will ask dx if there is anything else you need do.


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there is no template letter for this - you simply say something along the lines of..

 

Please find enclosed spreads for OSC and DLC which I was misled in to having. I am now requesting that you repay this to me as per the enclosed spread sheets.

 

Have you changed the title from PPI to OSC / DLC ?

 

I will ask dx if there is anything else you need do.

 

Hi citizenB,

 

yea i have changed it from PPI to OSC/DLC on each one, i will work on the letter over the weekend and see what a can come up with.

 

 

Thanks

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some idea for you

 

two typical PPI letters

 

 

Dear Sir or Madam,

Re:

 

I am writing in relation to the above payment protection (PPI) policy which i believe was mis-sold to me in relation to my

I believe you have not treated me fairly for the following reasons;

· The PPI was added without my knowledge..

· You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

This letter is in respect of the above account that was issued by

Yours faithfully

.

.

.

or

.

.

.

.

The Complaints Department

[Lender’s address]

[Date]

Dear Sir/Madam,

Ref – policy number

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a £xxx loan/credit card at your [branch name] branch on [date] and also bought a payment protection policy which would cost me an extra £xxx over the life of the loan. [The name of the salesperson who sold me the policy is …] The total amount of my premiums plus interest is £ xxxx.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

Possible additional paragraphs – include any which apply to you

[i also told your salesperson that I had adequate insurance cover through a separate income protection policy.]

 

[i said I did not need the PPI as my employer provides a generous illness and redundancy package.]

[You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.]

[in forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.]

I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

I am requesting a full refund of all my insurance payments, plus interest, which total [£ xxx].

If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman.

Yours faithfully,


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 dx,

 

Thanks for them letter ideas, i will get that done ASAP,

 

This is how/why i have had OSC & DLC for so long, "GROSS" miss selling of OSC & DLC from day 1

 

Back in 2007 when i got my 1st item from BH i was told i had to have OSC & DLC or i could not get the item i wanted! so i just went along with it!

 

even when i got my 2nd item latter the same year i was never asked if i wanted it it was just added to my Agreement each time,

 

it was only last year that i looked into it as i was sick of paying out for OSC & DLC,

and thats when i came back on here to look into it...

 

.and thats when i asked them to take the OSC cover off around xmas just gone!

 

But they would not take the DLC off as they told me i had to have that and at the time i was unsure.

 

like you and many guys on here have said you dont need the OSC and you sure dont need the DLC as the SOGA should cover it!

and to be told at the time that i could not have the item/s if i did not have the OSC what am i to do when i needed the item that i was buying!

 

they had me right where they wanted me! ( miss-sold! on the 1st item and then never asked if i wanted it each time i got a new item from them they just added it each time!)

 

Not sure how they have got away with it for so long!

as the SOGA ,Repair or replacement of the goods F40, 48B they make you take OSC & DLC they dont even ask you if you want them.

 

on there Agreement, under, D, your obligations,

 

(4) you may, subject to your obligations set out in the Agreement, end this DLC Policy by 7 days notice in writing to to the insurers at any time,

provided all premiums due have been paid by you.

 

wish i knew my rights back then when i 1st went to BH, as they have made me take out not only OSC when i did not want/need it,

but also DLC, i will be requesting a full refund of my premiums, plus interest. and i will also have a letter waiting to send to FOS,

and i will also be sending watchdog a letter! if i'm dissatisfied with there response to a full refund of OSC & DLC

 

 

I have also got the court forms waiting! if this ends up going to court i will also be seeking compensation!

 

I will wait and see what there response is! ( how long do i have to give them! to respond!) i'm sure i can find it! if no one know!

 

and to think i started this back in january of this year when i had health problems, in and out of hospital having tests done, and then operation! ( thymus cancer) still not well, but i dont have much to do each day! and to much time has passed, time to get the ball rolling!

 

Thanks for your help dx, and everyone els that has posted,

Edited by marcus6

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It has been noticed that the BrightHouse reps have not been overly active despite the company's request to join CAG. The requirements were that they would be active in helping to resolve the issues raised by their customers and to provide updates on the threads to which they responded. To date I don't see much which would show that they are living up to expectations.

 

There is little point in having company reps on CAG if all they want to do is provide a customer service contact and hope that is the end of it. Reps on CAG should be actively posting to try and resolve issues and are given the chance to improve the reputation of their company.

 

As a result the account status of BrightHouse is being reviewed which may lead to their accounts being deactivated.

 

As a footnote, if anyone reading this thread has a copy of the new BrightHouse terms & conditions whereby the OSC and DLC is automatically included but with a huge rise in the APR, can you please PM me and I will give you an e-mail address to which you can send copies of the documents.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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any one know how long i have togive them to get back to me about the OSC & DLC

 

Thanks

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complaints are typically 8 weeks by the industry guidelines

 

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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complaints are typically 8 weeks by the industry guidelines

 

dx

 

Thanks Dx

 

i have just done my letter for Refund, can i send it to you? to see if its ok

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better you redact and post on thread

 

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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