BH at My Door Demanding Payment Or The Goods

[DnB123]

Hi I have just had bh at my door demading goods or payment. I took out hp for xbox360 over 12 mths back in late feb, so have paid over half. I am 3 wks behind td them I wud pay upbto date on tue but they say they need to pay my missed payments plus late charge by tomorrow dinner time im in full reciept of benefits ca they do this when I am over half way through hp agreement

[CUNGA]

As far as i,m aware they can ask for the goods back.But they will need a court order to do so also do not let them in your house they have no right to do so unless they are with a court bailiff.

[DnB123]

Ok thanks thought as much

[ims21]

Hi

 

I have moved your posts re BrightHouse to a thread of your own to give your issue more exposure.

 

The guys will be along as soon as they can to help you out.

Edited October 4, 2013 by ims21

[DnB123]

Thankyou

[DnB123]

So I think fom reading down other post todo with bh I can refuse to let them take the goods and go in tue and bring my account bk upto date as noway I can make payment they require tomoz as only get carers allowence. Am I right in thinking this.

[citizenB]

http://www.adviceguide.org.uk/wales/debt_w/debt_borrowing_money_e/debt_types_of_borrowing_e/hire_purchase_and_conditional_sale.htm

 

Here you go, CAB fact sheet on Hire Purchase, if you follow the links you will see that if you have paid more than one third then they cannot simply turn up and demand the goods - they need a court order.

 

Print off the fact sheet. If they turn up, then show them the fact sheet and tell them to go away.

[DnB123]

Thankyou soooo wish I never whent to them in first place can honestly say this will be first and last thing I have through them.

[ims21]

can honestly say this will be first and last thing I have through them.

 

Good on you....steer well clear in the future even more so following their latest wheeze to include their "insurances" automatically and hike the interest rate to an eye watering rate.

 

Have you thought of looking at a credit union if you need to finance other goods?

[CUNGA]

yeh and now the double the apr and from 4th november they increase late payment charge to £5.50 per agreement i think they have lost the plot but by all accounts the finance part is based in malta and we all know whats happening in malta

[DnB123]

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)

[CUNGA]

your welcome tbh i think this could see begining of end for BH i will be surprised if they survive this

[DnB123]

Lets hope so im glad I only had one item off them but still am gonna have paid over £600 for xbox 360 I could of gt for half that price in away glad this happened as was contemplating having an ottoman bed through them but saw price and that made me check online and there cat price is almost 4x the price you would pay online .

[CUNGA]

well at least you have learned by mistakes it only way to learn BH have got away with it for 2 long and now its time for everyone to stop shopping with them and then its only 1 way for them.

[DnB123]

Yes its just unfortunate for those that have had thousands of pounds worth of goods through them or necessary items. Some of other post/feeds on hear just make u so mad how can a company get away with this for so long, surely there has to be a way of legally bringin this to the knowledge of all.Only not everyone would think to put a search in google n find this site and ask for help, they will just keep bending to these bullies demands and dobt even get me started on there customer relations there staff have to be some of the rudest I have ever had to deal with

[CUNGA]

get yor xbox sorted and then you dont ever have to deal with them again i think BH is legal robbery of the less fortunate

[Jason BrightHouse Web Rela]

Good Afternoon DnB123,

 

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

 

Once we have received this information we can investigate the matter further and respond to you.

 

To make sure I receive the information, please can you just update the thread with this and with any other updates you may receive.

 

Kind regards,

 

Jason

 

Web Relations Team

[DnB123]

Ok will find out my details and forward to you wont be tonight though as im not at home at present thankyou.

[citizenB]

http://www.theguardian.com/society/2013/oct/04/brighthouse-consumer-poverty-high-street

[DnB123]

Well bh turned up at my dr, I wouldnt ususlly not pay like this but it has been a knock on effect from an unauthorised payment been took out of bank over 3 weeks ago which has left me having to catch up on priority debts untill matter is sorted and money returned this I explaind to the two girls who came sat and said full payment or we take the goods. I also told them that I will bring my account up to date tomorrow but they wouldnt except this eith so I was ready for them to come out agin today and when they did I opened dr gave the letter explaing how with out any written correspondence from bh let alone anotice of default or the ones they send out about late fees they had no legal right to say they would take goods and stated that I will only correspond with them in writting and not to knock at my door again without permission and promtly closed dr. They stood shouting for a while then sat in van for aprox 5 mins then left.

Will see if anything else happens today and what there attitudes are like when I go instore tomorrow to pay up to date.

[citizenB]

That type of behaviour should be stopped. I would suggest you make a complaint to the Office of Fair Trading.

[CUNGA]

The must be some law against this kind of behaviour.Bully boy tactics is not right they go on worse than loan sharks i would suggest you try to get hold of a little video camera to record such behaviour then they wouldnt be able to get away with it.I would definatley contact OFT or trading standards they need closing down.The article above was interesting reading

[DnB123]

Yes I agree totally. I am just greatfull I have only had one small relative cheap item through them if this is how they persue people my weekly payments are only 12. Odd and have missed 4 wks to date and they are threatening to tske goods I have not received any letters concerning missed payments or stating that they require the goods back nor have I received a default notice. Surly this is bad business practice. What do I need to include in a complaint to the oft how should it be worded and to where do I send the compkaint would eith of you knw .

It also seems strange that they have switched from vans with bh signwritting to plan vans now not sure for what reasons and weather thats just my branch or across company another thing I can rember them breifly outlining when I took out agrement something about yellow money have also heard mention of this instire any ideas what this is.

Again much thanks to all that have offered help and surpport with this issue

[citizenB]

They are not allowed to bully/harass you that is for sure.

 

If you log on to the OFT website, there is a complaint /contact us/section.

 

You would pretty much tell the story as you have told us... condensed though - perhaps using bullet points.

 

You have missed a payment(s) - you have made contact asking for time to pay/assistance.

 

You have been threatened on your own doorstep, etc, etc.

[DnB123]

Ok thank you so mech again I really hope somthing happens soon within the laws to stop this company from targeting those who they obviously think dont or wont complain about treatment or knw ther rights and insist on them being respected just because you got bad credit or no credit rating dosent make you any less of a person or afraid to stand up for your rights and companies shouldnt be alkowed to take advantage of such individuals.