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    • My 2009 Kia Ceeds ignition broke without any warning. This happened around 2005. Luckily it was still under warranty.   It can happen any time although they should have contacted you to let you know. £350 sounds steep. 
    • Ok defence submitted. Mortimer have sent a letter back ackn my CPR request.   Weirdly Cabot got back to me ackn my CCA but have referenced the other claim for the current account instead. Didn't think you could CCA a current account claim? Fleecers must be getting their wires crossed 😂    I'll sit back and wait and keep on reading up!   As ever thank you kindly to Andy and Dx.
    • Jeff believes, like fish, chips and mushy peas, they are an integral part of this country's DNA. While Rachel argues that her 'free' account is being paid for by someone else. View the full article
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    • I'm very sorry but this is very scant information and it certainly doesn't lay out the story in the way that I asked. Also there is absolutely no reason why you shouldn't identify the courier. as long as you are straight dealing and honest then it is better to bring things out in the open. we don't play secret squirrel here or get into any skulduggery. we are very pleased to help you and support you but you will have to lay things out in the open so can we can fully understand and provide us with the information that we have asked for  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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This is a real quick question. I'm considering using bright house because I'm all out of options. I was wondering if they can receive overpayments or a deposit? I can see why they wouldn't encourage this if it reduces the amount of intrest and period of payments.

 

Can they refuse extra payments?

Does paying for something quicker at bright house reduce the interest.

what are the fees for over payments.

 

guess what with 30 minutes of searching I can not find anything on there site. :)

We live in an unmoderated country why should the net be any different?

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pers I would avoid them like the plague.

 

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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pers I would avoid them like the plague.

 

dx

 

In an ideal world yes, absolutely, but right now I have no options. I can however afford to pay it in a quarter of the time that they would like me to and if this doesn't make them as much profit so much the better.

 

given there sickening 29.9 APR the other options I've looked at are far worse.

 

but I still need to know can you pay off the item quicker to reduce interest?????

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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you can make extra payments but if you can pay it off quicker sure you can save and buy what ever you need for half the price .do not use them serious they goods are rubbish most are made for them very cheaply and sold for stupid prices and fall apart .

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go ask a neighbour

a family member or a relative

or a friend

 

you'll be surprised!!

 

tell them your issues

 

I can pay in xx months

 

please don't use them

 

their goods are poor quality in most cases

even second hand

 

and you pay 3 times the high street price

 

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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We have really really bad credit! Now getting out of it thanks to CAG, we save for items needed, had no washing machine for 6 months and a family of 6 that not easy washing everything by hand, so could save. Had no fridge/freezer for a few weeks but got a second hand one for £40 over a year ago and still going strong.

 

Please don't go with them or perfect homes,

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I totally get what you guys are saying and I've been on these forums for several years learnt by mistakes.

 

the harsh facts is I need an ipad for my business without it I have no business its that simple.

 

of course there are other options out but prices don't differ that much.

 

Right now the cheapest one I'm seeing 2nd hand is more than I can afford.

 

I could afford to pay this of in a quarter of the time if I have a good few weeks even less

but can not afford an out right deal

 

I need it next week otherwise I have no income.

What would you do?

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Use the computer im using to access this!

 

An iPad not to be rude but I have 1 comp I our house

and it older then my 8yr old so runs slow,

not easy when studying and kids need fir homework but does the job!

 

what kind of business U in that needs an iPad!

 

I've never even used one

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I do appreciate what you are saying but I don't want to get into complexitys of needing a tablet. currently they offer the lowest rate of interest compared to other options and providing I can pay it off quicker I'll not be happy but at least they won't extract as much interest from as they could have.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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It seems like you have made your mind up but the are some amazing Android tablets out there with great performance (The Nexus is a good example) that are a fraction of the price of an ipad.

 

You could try Very.co.uk for a credit account - the ipad 2 16gb is £329 and you could do the Buy Now Pay Later so that gives you up to 12 months to pay off the balance so you don't incur any interest charges.

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the screen size of the nexus is simply not good enough. Look I appreciate you people are trying to help but sometimes I get very frustrated by some of the comments.

 

I could try very.co.uk for a credit account but I would be refused that is the whole point of the thread.

 

if some one can point me in the direction of a 9" screen tablet with fifty pound cash deposit and able to pay between 30 - 40 per month. I'm all ears and I promise to never again consider using bright house again.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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I've been into bright house to make a few initial enquires and I was told because I don't have home contents cover I would need to take out there cover plans. Ah bless there cotton socks isn't that sweet of them.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Im so glad I took the time to respond to your thread and try and help. You made no mention that you needed a tablet with a screen size if 9inches plus so not being psychic, I suggested the Nexus - it is available in a larger size but no doubt you are not interested in hearing that as you obvously have your heart set on an iPad.

 

Again, not being psychic, Im not aware how bad your credit rating is so suggested Very. I know they accept people with very poor credit score - I know someone with a score of 124 on Noodle that opened one.

 

Anyway, yes.....go with BrightHouse and maybe reflect on your attitiude while they blackmail you into taking out their 'Optional' insurance at the cost of 100's of pounds.

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Here are the FACTS..........

 

For example if you took out an agreement for a Apple iPad here are the sums........

 

Over 104 wks

 

Cash Price = £674.62

 

+ 29% (189.62) = £864.24

 

+ OSC = £465.92

 

+ DLC = £199.68

 

Grand Total = £1,529.84

 

If you wanted to pay this off ONLY after the first quater has passed, 26 wks and by then you would have paid £382.46 @ 14.71 per wk you would pay £558.03 = £940.49!!!!!!!!

 

As everyone has said before BrightHouse should come with a WARNING sign

 

Hope this makes up your mind for the better.

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Here are the FACTS..........

 

For example if you took out an agreement for a Apple iPad here are the sums........

 

Over 104 wks

 

Cash Price = £674.62

 

+ 29% (189.62) = £864.24

 

+ OSC = £465.92

 

+ DLC = £199.68

 

Grand Total = £1,529.84

 

If you wanted to pay this off ONLY after the first quater has passed, 26 wks and by then you would have paid £382.46 @ 14.71 per wk you would pay £558.03 = £940.49!!!!!!!!

 

As everyone has said before BrightHouse should come with a WARNING sign

 

Hope this makes up your mind for the better.

 

I do know this and I appreciate you taking the time to break it down.

 

but the reality for me is the following

 

First I'll ensure that the £674 is the right price and use there price match promise these snakes offer. Secondly, I don't need the highest spec ipad on offer. The £500 one will suffice.

 

So I pay £75 up front set up DD for around £50 a month and dropping in additional cash to the store as when I can afford it. I would be looking for a maximum for 13 weeks to pay off.

 

I will NOT take out OSC or DLC even if the manager tells me I will contract anthrax if I don't. If they really go boring sales pitch, 'have you thought about bla bla, I'll simply sign up then cancel on my way back home (7 days cooling and all that)

 

I wish I had a choice but the likes of simply.co.uk only offer you a maximum credit of £300 if you are lucky mostly its lower than that, a poor credit credit card has a higher APR.

 

I now know you can pay as much as you want in overpayments without penalty and for me the priority is to pay it off as quickly as possible build my business up to the stage I never need to consider these rip off merchants again.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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sometimes I get very frustrated by some of the comments.

 

.

 

Makes me wonder why you have bothered to post a question

 

I wont wast my time with you anymore

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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