bright house debt £1343 plaese help

[clairemul]

Bright house -- caver sham finance LTD ; £1343

 

what these have done is put separate defaults on the CRAs for the separate accounts.

 

These have passed the account to sigma red limited who have written on the 13/11/13 and

last letter dated 18/12/13 saying that they will invite to make a 50% reduction payment of £672 .39 as a settlement of the debt

 

we have not made any contact with sigma red ltd or brigh thouse since April 2013..

 

CRAs all 3 have the debts listed as

 

1 start date 18/10/10 default 29/5/13 updated 1/11/13 balance £146

 

This we believe is for a fridge freezer we have made 126 regular weekly payments of around £16 per week

with their break down cover included in this off 156 weeks took out.

 

2 start date 24/4/2012 default 29/5/13 updated 1/11/13 balance £424

This is for a laptop we made 52 weeks payments of £12 out of 156 weeks agreed for this item including the break down cover

 

3 start date 15/2/2013 default date 29/5/13 updated 1/11/13 balance £773

This is for a sofa we made 1 payment of £30 then we had to move through personal issues we never and still haven’t contacted bright house.

 

I do have have the orginal agreements for these debts

 

so I have sent them a letter asking for a CCA

 

what will be the next step I take ?

[Guest Ann-Marie at BrightHouse]

Good Afternoon Clairemul,

 

We appreciate that our customers circumstances may change at any time and we take each customers changes into consideration and are committed to assisting all customers through any financial difficulties.

 

We can help resolve this for you and see what options are available to you.

 

Can you please send me your details to [email protected] quoting reference F0687797.

 

Please also keep the thread updated with any updates you have.

 

Kind Regards

 

Ann-Marie

Web Relations Team

[clairemul]

shall I contact this lady at brigh thouse

 

 

first post is meant t say I don't DONT have credit agreements

[i hate bailiffs]

Reclaim the insurance you have paid on the items

You don't need them

[clairemul]

how do I do that ?

[fkofilee]

Clairemul.. You need to SAR Brighthouse... Their insurance is reclaimable and can help sort these debts out.

 

Please make sure you send a £10 postal order for them

[havinastella]

http://www.consumeractiongroup.co.uk/forum/showthread.php?130871-CAG-BRIGHTHOUSE-Consumer-Fact-Sheet%281-Viewing%29-nbsp

[clairemul]

do I SAR bright house or stigma red as that's who they have sold debt to

 

 

also do i SAR after i have received the credit agreements

[havinastella]

Always SAR the Original creditor. This will give you all the charges and the final 'sell off' balance.

[clairemul]

Ok thanks

 

 

do i keep the postal order blank for the sar?

 

 

Sorry am new to all this

[Jason BrightHouse Web Rela]

Good Morning clairemul

 

If you would like to complete a Subject Access Request (SAR) please send the £10 postal order, made payable to BrightHouse, to the following address and we will send you back all the relevant information within 40 days.

 

BrightHouse

5 Hercules Way

Leavesden Park

Watford

WD25 7GS

 

Many Thanks

 

Jason

Web Relations Team

[silv8rfox]

I hope someone can help me. I have an account with Bright House where I'm paying off 2 items, a tv and a sofa.

My fiancee lost her job recently so we're having to review our finances. Because of other commitments, we may have to go down the route of a debt management plan.

If I add Bright House as a creditor, can they claim the goods back?

[i hate bailiffs]

I hope someone can help me. I have an account with Bright House where I'm paying off 2 items, a tv and a sofa.

My fiancee lost her job recently so we're having to review our finances. Because of other commitments, we may have to go down the route of a debt management plan.

If I add Bright House as a creditor, can they claim the goods back?

 

You will get better advice if you start a new thread

[renegadeimp]

If you are paying them then they cant.

 

They would need a court order to take the items back.

 

Also get reclaiming those insurances you are paying. They are a con used to make bh more money. You are covered under soga so the insurances are pointless.

[silv8rfox]

If you are paying them then they cant.

 

They would need a court order to take the items back.

 

Also get reclaiming those insurances you are paying. They are a con used to make bh more money. You are covered under soga so the insurances are pointless.

 

Thanks, that's a weight off my mind. Do you know how I claim the insurances back?

[renegadeimp]

Yep. You need to get all your statements if you havent already. If you havent got them see post #11 in this thread.