Brighthouse 'debt'

[Willie30]

Hi

 

I need some help

 

I have fallen behind on my payments with brighthouse as

 

I was made unemployed as my work closed down

 

I have signed up with jobseekers allowance

 

bright house are phoning me asking to make £64.30 payment today but

 

I cant afford to as I only have £ 20 to last me to next friday as

 

I need that 20 pound for food for my daughter who is only one

 

I dont know what todo as

 

I have a couch and tv from them

 

I have had them for at least 1 and half years help

[Kevin Bolt]

Contact StepChange http://www.stepchange.org/ or call them on 0800 138 1111

[Willie30]

Who are they and what help can they give me

[Kevin Bolt]

StepChange Debt Charity is the new name for UK's leading debt advice organisation.

 

 

Previously known as Consumer Credit Counselling Service (CCCS) they have over 20 years' experience of helping people become debt free.

[fkofilee]

Kevin... Please take a step back before you suggest that...

 

Willie... Welcome to CAG...

 

In this situation Stepchange is the wrong way to go about sorting this out.

Can we have some more information on this. We have some BH forum agents on board who can be good and sometimes quite bad depending on how you look at it.

 

How long have you owned the item and have you paid more than 1/3 of its total cost... ? (Can you tel us roughly to the nearest month how long youve had them for?)

Have you got DLC and OSC? (The insurances)

 

There are some people on here that are fighting BH on all fronts.

This is not a priority debt... That money you have is for you to keep yourself, warm and full. Not for you to go hungry because BH arent happy you havent coughed up due to your circumstances...

[Willie30]

Hi I have the couch for about 18 month and the tv for 16 month I think

 

I do have the insurances

 

I cant find my paperwork but

 

I am also paying for a phone that I got from them and

 

I was away fishing and dropped it in the river so

 

I phoned them and they said I am not covered for loss of property only thief or damage or fire

[Willie30]

They keep phoning me should I answer or no answer am scared they try to come and get the stuff I do want to pay them but just struggling just now

[fkofilee]

I think youve been conned here, these insurances are designed to cover you in the event of these things happening and if they have said "No" then they are negating their responsibilities,

:Sigh: Who said "no" to you?

 

Sounds like you could have paid over a third on both of the above listed if they are paid over 2 / 3 years.

Its time to get reclaiming. You are under NO Responsibility to keep their insurances!

 

You can cancel and reclaim, but the Site team are better at explaining why!

Also they may turn up to your property and threaten to take the items... Dont let them in as you are not under any obligation to. If they persist tell them you will contact the police.

[Kevin Bolt]

With regard to the phone calls I'd send something along the lines of:

 

 

http://moneyaware.co.uk/wp-content/uploads/1914-Reducing-creditor-calls.pdf

[Willie30]

The person in the shop said I was not coverd for loss of property and still have to pay for it and

 

how do I reclaim

 

should I phone the shop and ask for the manager or phone their head office

[renegadeimp]

If you are in receipt of state benefits, such as JSA, then they get £1 a month. Thats it. No discussion. They know that and hope you dont which is why they have a business practice of bullying and intimidation to get you to back down and do what they want.

[paulson1985]

No matter what they tell you they have no right to enter your property and take the things. They are not bailliffs and have no right to.

 

Try and work out how much you have paid them in total. If it amounts to a 1/3rd of the cost they will have to go to court to try and claim the rest. I very much doubt they will take this route.

 

Better to try and sort out a reasonable payment plan you can afford. Dont talk to them on the phone. Write to them and make an offer explaining your circumstances. Good Luck and try not to worry.

 

Remember if they do come to the door its best not to answer them. If you have no choice then explain you are writing to them and do not wish to discuss the matter on the doorstep. Be firm in your handling and try not to be bullied by them.

[Willie30]

I am on jsa so if they phone me and I answer and offer them say £10 a week do they have to accept

[paulson1985]

They will most likley try and get you to pay more than you can afford I would ignore the calls and write to them instead. Remember to offer only what you can afford to pay them.

[Willie30]

Ok thank you but how do I reclaim the insurance back

[renegadeimp]

Woah.

If you are on JSA, they get £1 a month.

 

Not a tenner a week.

 

Forget about contacting the store.

 

Get in touch with their head office and inform them.

 

They have the power to force the store to accept the payment.

 

Just be aware that the idiots they employ at each store will try and threaten and harass you.

 

If they do, simply walk out.

 

I would also take some kind of digital recorder with you and put it in your coat pocket, so it records the convo.

[Willie30]

Contacted head office about it and they said ive to contact the shop as they cant do anything

[renegadeimp]

Theyre wrong.

 

Read the brighthouse forums on this site.

 

Youll soon see how their business is ran.

 

We have brighthouse reps on this site that sometimes help out,

 

but the times they do are few and far between.

[Willie30]

Going in on Tuesday to speak to the manager n come to some arrangements as dont want them to take them

[renegadeimp]

They cannot just come and take them.

 

Please dont be intimidated into doing what they want or what they say.

 

Brighthouse staff will lie and say ANYTHING to get you to do what THEY want.

 

Like i said, if you are on benefits, then they get £1 a month.

 

Dont tell them theyre getting a tenner a month. its leaving you almost £ 40 out of pocket when you cannot afford it, simply because you are scared of them.

[marcus6]

Hi Willie30,

 

Please take the time to read over some of the posts in here! as you will find out alot about BH and how they act,

 

like it has been said before if you are on JSA they get £1 a month thats it,

 

They will say anything to you to get you to pay!

 

if they come out to your home do not let them in as they have no right being there!

 

all they are is shop staff not bailliffs,

come out tell them to go away,

 

But please do read some of the posts on BH and you will see that you are in safe hands here the site team will help you!

 

Thanks

[dx100uk]

get an SAR off to head office get all the statements.

 

as for the 'lost' item

I would suspect you've paid several times over

 

esp as you are paying the two insurances on ALL your items.

 

theres not legal rules antwhere that say HP goods MUST be insured.

 

sadly this is part of the business model of these companies

that's how they've made so much money out of people

 

this why the authorities from april are outlawing them.

 

get reclaiming.

 

dx

[Jason BrightHouse Web Rela]

Good Morning Willie30,

 

If you are struggling to make your weekly payment, we’ll listen to your individual circumstances and then agree on the best course of action to help you get back on track.

 

I am glad to hear that you have arranged to meet the Store Manager as we would advise that you should visit your local store first of all in order to discuss the options that are available to help you manage your account.

 

As mentioned in previous threads, there’s a lot we can do to help and we always endeavour to work with our customers to find a solution that fits with their circumstances.

 

At BrightHouse we don’t employ bailiffs. We always try to contact customers in writing and by telephone to discuss and agree the way forward.

 

However, if we are unable to make contact with a customer, one of our employees may arrange a home visit to discuss the customer’s circumstances and agree on a course of action to help get things back on track.

 

BrightHouse require hire purchase goods to be covered against damage caused by fire, theft or accident.

 

If you took out your agreement prior to 2nd September 2013 and you do not have home contents insurance policy or alternative insurance to cover Hire Purchase goods, BrightHouse’s Damage Liability Cover is available.

 

Damage Liability Cover (DLC) means that you will not have to continue paying for your product if it is damaged or stolen (subject to Terms and Conditions).

 

If you took out your agreement after 2nd September 2013 we now include a similar range of benefits as a standard part of our service and it is included in your weekly price.

 

Please provide the full details of the incident to your local Store who will be able to process a DLC claim, regarding your mobile phone, in order to determine if your claim will be successful.

 

Once you have spoken with your Store Manager, please do not hesitate to contact our Customer Relations Team on 0800 526 069 or email us at [email protected] and we will be happy to help you.

 

Many Thanks

 

Jason

 

Web Relations Team

[hyperjase]

in order to determine if your claim will be successful.

 

Which begs the question, just how good is the "insurance" you supply....

[ANDYGSG9]

Hi I have had problems with Brighthouse re payments and they say they can involve the Police which really worries me.Can they send the Police or is it scare tactics.

Cheers Andy