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Brighthouse Issue.threatened police banging on door ..quite shaken up


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I have used Brighthouse for a few years with no issues I'm aware of the fact that its a rip off but a bad divorce ruined my credit.

 

Now i'm a workings single mum studying for a BA (hons) and everything was fine until a couple of weeks ago when i changed jobs and there was a gap between me getting paid.

 

I called brighthouse explained that i wouldn't get paid until the following week and that was fine

 

however when I was supposed to pay on Thursday of this week I got a nasty bug and was in bed genuinely sick

I didn't even think about brighthouse then

 

this morning there was banging at the door my 8yr old daughter shouted me and still sick and in my PJs I answered the door.

 

A brighthouse employee was stood there and demanded to come in and take my items

( these are 2 non frivolous items I will finish paying off in the next few months)

 

I told him no way was he coming in the house and that I apologise I am sick and I will pay monday when I get to the bank.

 

He started screaming in my face that I had broken the agreement and I had committed fraud and theft and he was going to call the police..

 

.my daughter was crying and he kept shouting that it was my fault.

.so I told him to go call the police and closed the door with him shouting he was calling head office and that I was a thief.

 

As soon as I closed the door I called their head office and made a complaint,

the store called me and had the nerve to say that oh he didn't mean what he said..

.to which I said if he turns up again I'm calling the police.

 

Then the general manager called me to say she is investigating the incident internally and she will get the store manager to call me.

 

I'm really really shaken up my daughter is distraught because she thinks the police are coming to take me away.

 

I want to make sure the manager understands I'm serious in my stance that i will not be bullied or be treated like this over what is essentially 2 missed payments I have every intention of paying. I'm just really in need of some advice

Edited by citizenB
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It should be you calling the police they have no right to be on your property they can not just turn up and remove goods without a court order

they are not bailiffs and never will be

 

deal with this awful company in writing

do not deal with the silly muppet at the door if he returns film him

 

the police will not be taking you anywhere

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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Yes, you must put your complaint in writing else I fear there will be nothing done about it. You should address it to their Head office and head it "Official Complaint".

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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usual disgusting behaviour from brighthouse staff.

 

it REALLY about time something was cdone about this

 

there are SO MANY threads here whereby they act like bullies

 

THEY HAVE NO LEGAL POWERS WHATSOEVER.

 

CALL THE POLICE.. end off

 

now ..time to hit back...

 

I bet you've been sold their 'compulsory' insurances?

 

you DON'T NEED THEM.

 

get reclaiming.

 

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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oh yes

 

and the interest they have caused you

 

see the other threads in this forum.

 

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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I am quite confused as to how I go about claiming my OSC back, could you please point me in the right direction as to where to start and who I should make the claim too, and can I claim it back for Items I have already paid off?

 

Thank you, I really appreciate the help :)

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Makes me want to get something from them, then default on a payment, just so i can take these muppets to court. Thats the ONLY reason they do this. Because nobody has taken them to court yet. Mainly due to the costs that are incurred.

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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I am quite confused as to how I go about claiming my OSC back, could you please point me in the right direction as to where to start and who I should make the claim too, and can I claim it back for Items I have already paid off?

 

Thank you, I really appreciate the help :)

 

Do you have your payment card/receipts with the monthly payments on ? If so, then you will need to complete a spread sheet with all the "insurance" amounts.

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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I have my bank statements but I am going to call their head office and tell them I want a list of all my payments since I started, I believe they have to give me this data. Yesterday I was upset today I am very very angry no one threatens me or makes my daughter cry I am seriously considering contacting the newspapers and a solicitor.

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They do have to give it to you but they will say no. You are dealing with a VERY shady company 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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In addition to the above, you should also make a complaint to the OFT and Trading Standards :)

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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I am going to contact them both tomorrow, I took out agreements with brighthouse after leaving an abusive relationship since which I have put myself through university and have worked throughout...I will never be bullied again.

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If they come again, make sur eyou have the ability to record them. Use a vid cam or smartphone though the window. Dont open the door. Theyre not above forcing their way in and grabbing the phone off you.

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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pers id sar the head office

 

you also add a line that you want copies of all/any agreements.

 

might be better to do that

 

you'll get all your statements too

 

to find out what you need to do for the reclaim

 

type in brighthouse osc

 

in our grey toolbar search top right

 

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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