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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Brighthouse New 'One Price' Scheme Started 2/9 Can't Cancel OSC or DLC anymore


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Just a heads up.

 

As the title says really

 

just been into store to pay off an agreement we have with them at long last and found out that there new scheme started today which has now pushed them from plain expensive to extortionate especially if you never used to take DLA or OSC with them

 

The APR rate has increased a whopping 40% to 69.9% on the new agreements that now have everything included which is allegedly better for the customer we were told.

 

Not sure how this works with regards to being sold cover and insurance which customers do not want or need in place.

 

Glad to be rid of them at long last.

Edited by lincskitten
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If the agreement still includes the insurances you can still reclaim them. At their interest rate too.

 

It would be blatant misselling

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

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Ouch ****ehouse once again forgetting who keeps them open... ^__^

 

Id be interested to read the terms of their new agreements, hell i might go into my local one and ask to see paperwork xd

 

We could do with some help from you.

 

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**Fko-Filee**

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The new single agreement from B/House is for new agreements dates 2nd September 2013 onwards.

 

Any existing agreements prior to that date you as customers still have the right & options to cancel OSC (Optional Service Cover) & DLC (Damage Liability Cover)

 

DLC can be cancelled if the customer has their own insurance policy.

 

The new single agreement has all service covers & insurances included,

at the new whopping interest rate of 64.7% minimum.

 

Brighthouse adding value to peoples lives everyday,

yea right. More like adding debt to peoples lives every day.

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People really would be better off doing without and saving up so they can purchase from regular stores !

 

Join a Credit union and put something aside each month then perhaps take a small loan out for the TV ?

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DLC can be cancelled if the customer has their own insurance policy.

.

 

there is NO LEGAL REQUIREMENT for ANY insurance on HP AGREEMENTS

 

just because it appears in a companies T&C

 

DOES NOT MAKE IT THE LAW.

 

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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there is NO LEGAL REQUIREMENT for ANY insurance on HP AGREEMENTS

 

just because it appears in a companies T&C

 

DOES NOT MAKE IT THE LAW.

 

dx

 

It can be a binding contractual requirement. however.

 

I think it's perfectly understandable that HP firms will want to see some sort of insurance policy - afterall the items are theirs until the final payment is made.

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But if they dont tell you it is optional, and they bundle it all into one, like they are doing now, wouldnt that be misselling and make the agreement pointless?

 

If it isnt itemised and it is contained in an overall amount each month, then thats very concerning.

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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But if they dont tell you it is optional, and they bundle it all into one, like they are doing now, wouldnt that be misselling and make the agreement pointless?

 

If it isnt itemised and it is contained in an overall amount each month, then thats very concerning.

 

I guess there could be issues - it depends on just how transparent they're being.

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THis is brighthouse we're talking about, i doubt they even know the word transparancy ;) But i fully understand your meaning.

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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When I spoke to the brighthouse store he said does not matter if I do not want the insurance as it is all included. told me that the top men hid it in the cash price as they were not selling so much these days and most people would not see it that is why the cash prices are very very high compared to everyone else and then put a 69.9% wonga apr on top wish I had ready cash to buy a laptop

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It does matter if you dont want the insurance. It is blatant misselling and can be reclaimed. As for a laptop, you dont NEED one, and if you do, there are plenty of other places you can go. Even places like freecycle. Someone out there is bound to have a half decent laptop they dont need or use anymore.

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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