BH at My Door Demanding Payment Or The Goods

[DnB123]

Sorry for any typos got a poorly 2 yr old vlimbing over me at mo

[DnB123]

Oh and will keep this post upto date with anything else that goes on and also with my complaint to OFT.

[CUNGA]

yellow money is what they put into your account when say you have a payment of £10.30 and you pay £11 the 70p usually goes into yellow money and mounts up over weeks/months.as for the companies bully tactics this is across all stores so your store is no different to any other its the way of BH and we must all stand together and put a stop to this if you did it it would be a criminal matter so why is it different for them its time we get them off our highstreets and in time with the helps of everyone plus the newspapers and other media outlets they will go. I heard something other day also about BH dunno if its true or not but the company is supposed to be going up for sale as they are struggling this will be like the 5th time if it does sell again

[DnB123]

Ohh it wouldnt suprise me as I knw of other similar stores who offer same product for half the wkly payments but personally am stering well clear after all of this. So what actually happens with yellow money then as I asumed any extra paid would come off what I owe them.

Am just in process of looking through Oft site to make an official complaint.

[CUNGA]

no the yellow money stays in yellow money you can use it anyway you want.You could use it towards weekly payments or in some cases ask for it back but this is a practice they dont like doing they send a cheque out so basically not worth doing unless you save up to maybe finish off early or make weekly payment

[CUNGA]

there is a lot of other places you could goto and they are very helpfull and will try to help all they can for very little interest.Try looking into community banks in your area they are run by the customers and are a non profit organisation they are try so hard to get people away from the likes of brighthouse and perfect hom as well as pay day loan companies it maybe an option for anyone that may get into difficulty in future

[DnB123]

So its within no interest of customer to pay extra on wkly payment then it just sits in there accounts gaining intrest for them and they never mention it if u fall behind on payments jeeeez

[CUNGA]

yeh uve got it no interest just basically what you put in

[HAWC]

If they come again, just give them these two words '**** off'

[CUNGA]

lol hawc couldnt of said it better myself but i,m more polite lol

[DnB123]

:lol:couldnt of put it better lmao:madgrin:HAWC

well they didnt return today n I will be bringin my account up to dat inc late fees tomorrow as I have told them, its not like I was trying to avoid paying or complaing about late fee just a bit of understanding and respect, certainly wasnt expecting them to react in such a harsh and unlawful manner and to some people probably probably very intimidating. For an temporary financial problem to which I had no controll over but had all responsibilty of the aftermath. Just gt to decide weather to go in shop n pay or do it over phn in morning

Will let u kmw wot if anything is said do u advise to record any convos and if so do I have to tell them before hand

Edited October 7, 2013 by DnB123
missed few wrds out

[renegadeimp]

Please dont pay those late fees. They are not enforceable and are there purely to make the company easy profit.

 

If you have paid them, reclaim them.

[Jason BrightHouse Web Rela]

Good Morning DnB123,

 

We still have not managed to receive your details.

 

Are you able to email me ([email protected]) with your account details and quote the code :F0678499. - with CAG Forum in the subject line.

 

As previously mentioned, once we have received this information we can investigate the matter further and respond to you.

 

Please remember to update the thread with this and with any other updates you may receive.

 

Kind regards,

 

Jason

 

Web Relations Team

[citizenB]

when using the email address above, please ensure there are "no spaces". CAG puts these in to prevent direct linking and SPAM.

[Anus Horribilis]

Think im just gonna stick to living within my means n reducing my outgoings eg drstep lenders bh & cash converters bringing them all down slowly but surley but much thanks for advise 8)

 

Well done - that's the right way to deal with these leeches. Live within your means, recover your credit record and use High Street finance (or better still pay cash). In 5 years you will have a better standard of living, and you won't owe anything to these bullies.

[the_advisor]

Guys just a quick note,

 

BH do not employ bailiffs

they only have 2 types of staff that work on late accounts,

the first you'll come across if you're late paying is a CAA (customer account advisor)

they are based at store level and report to the manager,

 

the second is known as ARM (asset recovery manager)

they report to the regional manager and head office,

ARM's often knock on doors and state they are from Caversham finance

which is the company name of Brighthouse

 

it's worth noting that both types of staff are relatively un-experienced in debt recovery

and many have been promoted from sales advisors and have been trained in house often the wrong way.

 

Brighthouse can't take anything from your property without your consent,

each time they take something back they must get a collection by consent form signed,

so if you don't sign to say you agree they can't take it,

if they do somehow manage to get the goods without your consent it will be quite a bad situation for them.

 

Don't be bullied

the person at your door is likely inexperienced,

unqualified individual who has no sound understanding of debt collection rules

or acts of parliament That cover it,

 

they will say anything to get you to hand over the goods so the figures look good come Saturday.

[renegadeimp]

Of course BH do not employ bailiffs. They are a private company with no contract with any form of court.