BH tried to claim money for TV - now ignoring fees reclaim

[hyperjase]

I'll be keeping you updated, interesting to know what the Court say about the fact Brighthouse have not responded to my request.

[dx100uk]

There might be no laws dx, but would you lease something that could be damaged by little brats having a tantrum or could be simply nicked, with no re-course. Of course it needs insuring.

 

I think you two have been very rude to the bh rep, who has taken the time to explain how they do what they do.

 

Don't forget you are only getting one side of the story with regards to the incident, the actual bh people aren't here to defend themselves.

 

porky or CCMRob12 [previously banned from CAG]

 

you seem to use cag to pick holes in peoples advise and nothing else.

 

quite frankly, if that's all you are going to do we don't want you

 

simple choice PPIG

 

help or GO AWAY

 

we on the siteteam have had enough of your games.

 

comprendi?

 

 

dx

[marcus6]

As we all are

 

 

O yes i can not wait for the out come!! as for me i'm waiting for FOS to see what they say about my case!

[Conniff]

There might be no laws dx, but would you lease something that could be damaged by little brats having a tantrum or could be simply nicked, with no re-course. Of course it needs insuring.

 

It's Hire Purchase not lease. That means it matters not if it gets damaged or stolen, the liability of payments are still with the buyer.

 

Also why would anyone not have home insurance?

 

Erm, they can't afford it !

[watts320]

I have just got my SAR in the post from Brighthouse. What am I supposed to do next with all this information so I can start reclaiming late fees and Optional cover back?

 

Thanks

[silverfox1961]

Hi

Within the account notes should be something that shows a breakdown of payments. There should also be a code sheet so that you can understand what each code relates to.

 

I suggest you go through the paperwork and make notes of what you don't understand and then search again for explanations. If none then BH should have supplied them and you will need to go back to them for these explanations.

[watts320]

I have seen this and Ive no idea what am to do with it? I have calculated everything I can reclaim back from them, but no idea were to go from there.

[dx100uk]

so you've used the cisheet and put every osc/dlc charge in on its date

 

and do a sep one for the PENALTY late fees.?

 

dx

[watts320]

so you've used the cisheet and put every osc/dlc charge in on its date

 

and do a sep one for the PENALTY late fees.?

 

dx

 

Honestly aint a clue what you mean lol. All I have in front of me is my SAR and in that shows when I made a payment and my OSC/DLC and late payment charges. Ive added them all up on a calculator, but what am I to do now? What is the cisheet?

[dx100uk]

ah sri I thought you had the sheet

 

here we go

 

CISheet v101.xls

 

put there int rate [APR] in cell d 15

 

as above

 

one copy for PENATLY fees

 

one copy for OSC/DLC

 

you enter every occurrence on a new row

[watts320]

Thanks mate.

 

Once Ive done that what do I do with the sheet then and what I have just done?

[dx100uk]

be back later

 

have a read of the threads in this bh forum

 

lots of info

 

dx

[watts320]

On the CI Sheet, is the amount of charge, what they charged me altogether on that date. Say like Rent, OSC and DLC?

[dx100uk]

nope

 

each occurrence of OSC

and DLC

 

only listed sep

 

dx

[watts320]

Right, Ive done all that now.

 

So what do I do with these sheets? Whats my next step?

[dx100uk]

if you wish us to check them

post them up via the go advanced button bottom right

then manage attachment button

 

but remember to remove per info.

 

theres a letter in this thread

which is worthy of a read

 

dx

[watts320]

Im still confused, Uve not really said what I am to do next?

 

I have noticed in alot of threads, there has been alot of people such as yourself saying get reclaiming and reclaim this and that, but once there ready to, no more info is given to the person to start reclaiming.

[dx100uk]

Following the receipt of my SAR data, I hereby require a refund of £2260.97. This is made up of unlawful Late Penalty Charges, mis-sold Optional Service Cover and Damage Liability Cover.

 

This is made up of (includes interest at the standard rate of 8%, see separate sheets for breakdown):

 

Damage Liability Cover: £1313.31

Optional Service Cover: £550.85

Late Penalty Charges: £396.81

Grand Total: £2260.97

 

The charges that have been applied to my accounts for late payments have been deemed to be unlawful, not representing the true cost to Brighthouse. Punitive penalty charges are unlawful. Losses for breach of contract must only reflect the actual loss, and not be a way of profiteering.

 

I wish to reclaim the Optional Service Cover as it was NOT pointed out that I was RENTING the items until they were paid for and Brighthouse were obliged to repair or replace with an equivalent item before the rental term expired, therefore I was not given information which enabled me to make an informed choice.

 

I also request a complete refund of ALL the Damage Liability Cover charges from all the accounts as again this was mis-sold as I was told it was not optional. There is NOTHING in LAW that states that Hire Purchase goods MUST be insured, I have researched the Hire Purchase Act 1964 and find nothing relating to insuring items, can you clarify which point relates to this being required? The FSA quote “a borrower should not be refused a loan if they choose not to buy an insurance policy”. I was told if I did not take the DLC I could not have the item.

 

Cheques should be made payable to [me], alternatively, the amount outstanding can be used to clear the remaining balances of my accounts (as per an early settlement figure, minus the future Damage Liability Cover), the remaining sent in a cheque payable to [me].

 

I enclose the details of the charges, Optional Service Cover and Damage Liability Cover and also the interest this accrues at the standard rate of 8%. I shall also require that the Damage Liability Cover be removed from all accounts forthwith.

 

Should you refuse the above request I shall pass all documents and details to the Financial Ombudsman Service for investigation.

 

If I do not hear anything from you within 21 days I will presume you require no further information regarding my claim and will allow a further 21 days for your response.

 

from:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?409002-BH-Penalty-Charges

 

link regarding charges are below my post

 

please remember this is a voluntary and a self help forum

though why the link did posy before i'm unsure.

 

keep us posted.

 

dx

[watts320]

Thanks for that mate. Greatful for that, Will be sending off the letter with my workouts from the CIsheet Monday (1st class recorded).

 

Thanks

[dx100uk]

if you wish us to check you spreadsheets

 

please attach them

 

dx

[watts320]

These are my spreadsheets.

[dx100uk]

yep they look fine

 

I've taken them down as you left your name on them

dx

[watts320]

Oh, Thanks mate. Im sending them off with the example letter you gave me in this topic. Obviously with me editing some parts.

 

But thanks Once these get sent off, and they get them.. Is that it? They wud send me what they owe, or will they try fight it?

[hyperjase]

They never replied to me and I sent mine off (the letter above was the one I wrote) in January, guess what - not even a reply letter! Currently taking them to court, I have further evidence of misleading actions (see on the Bright House Harrassment thread) which I fully intend to give to the Court. I will also be pushing the fact they never bothered to get back to me, will be upping what they owe me now in terms of the interest accrued since January!

[watts320]

I havent heard anything yet, they have until next wednesday to come up with some letter or a repayment what im claiming for. What am I do to (whats my next step) if they dont even get back to me.