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    • Apologies if this rambles slightly I feel a little brain dead after yesterday    I just want to know if I'm being unreasonable in one of my points (holding them responsible for costs to possibly damaged engine if I can get an engineer report)    Basically broke down in a layby on the a43, steam from bonnet high engine temps   RAC arrives declares it a minor leak and tops up then says OK to continue (4 miles to services) then recheck and says fine to drive home   30 miles later large amount of steam from engine and lose power, get it to hard shoulder   Next rac chap arrives and says it blowing like that may have damaged engine as it now doesn't start, says it will need a crane truck as 4wd and auto says priority job as 3 children on hardshoulder in the rain (1 in wheelchair)    3 hours later, I've chased rac twice and been rung by highways agency twice (who have also complained to rac)    Tow truck arrives (flat bed) advise them we were told it needs crane and drive says its OK it will run, after cranking engine for over 5 mins drives it onto truck pouring fluid out the bottom   I can't help but feel that him cranking engine that much when pouring fluid is likely to have done alot of damage as well as being told to continue on a leaking engine    
    • Thank you. I’ll sit on my hands, for now! 
    • 29 Farage Garages? or Just the latest of many Johnsons Follies?     "New photos show how the county nicknamed the Garden of England may soon be more accurately described as the nation’s lorry park – thanks to Brexit preparations. The images show the full jaw-dropping magnitude of a scheme (one of 29 such) which will see 27 acres of Kent’s green fields ripped up and concreted over to create a sprawling 2,000-vehicle holding facility for trucks crossing the Channel."   https://www.independent.co.uk/news/uk/home-news/brexit-news-uk-kent-lorry-park-channel-crossing-b1278893.html   From comments: They promised us the easiest deal in history. Frictionless trade. And better jobs for the "forgotten". This is what we get. ... lorry dumps and portaloos that come to symbolize this incompetent callous government.
    • Top paediatricians have written an open letter to government about children going hungry and supporting Marcus Rashford's campaign.   https://www.theguardian.com/society/2020/oct/24/open-letter-from-uk-paediatricians-about-free-school-meals
    • It's not worth appealing because ECP won't listen, unfortunately, plus you can give the impression that if they lean on you, you'll pay them money when you don't need to. The only time we normally advise writing to them is if you get a Letter Before Claim/Action.   Best to say nothing for now and if you do get a LBC, we'll help you to draft something. Have a read around some other parking threads and you'll get an idea of how these people operate.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Please help me, I think i'm being a little thick here what is OSC,

and if so can i caim back any money from it as i have been with Bright House for ages?

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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Hi Caggers

 

I have been with Bright House for a while now, and I must say as much as i find their prices extortionate,

 

I repeatedly keep getting harassed by text messages or phone calls on the day I am ment to pay.

 

I have told them over and over again That I am aware that it is my day to pay and i will be down to pay my bill

but i keep getting calls and texts (texts at least 3 or 4 every saturday).

 

Now i have them verbally on the phone, instore and even written them a letter stating if I dont stop getting these 'REMINDERS'

I will go to the OFT.

 

They havnt been stopping so what or how do i go about contacting the OFT

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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you have two insurances you are paying for:

 

Optional Service Cover

 

Damage Liability Cover

 

you can reclaim them

 

as for the harassment, send them the harassment letter from the green top left library tab.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thanks DXHow do i go about claiming osc and dlc

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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Good Afternoon Sash Knighton

 

Optional Service Cover (OSC) was available to customers who took out an agreement prior to 2nd September 2013. OSC gives customer’s the added benefit of a full service package together with peace of mind.

 

Some of the benefits of OSC include:

 

· It is optional and can be cancelled with 7 days notice

· Covers cost of product repairs

· Response within 72 hours

· Repair or loan replacement given (where applicable)

· You can return your product for whatever reason, whenever you want, without penalty, with nothing more to pay. Goods must be undamaged and in good working order and repair.

· If you return your product you can benefit from a restart voucher. (You can even restart your agreement up to 12 months later, and the payments you have made will still count against a product of similar age and specification).

 

Please note that 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 already included in your weekly price.

 

We are able to stop any ‘Best Day to Pay’ reminder texts that you seem to be receiving, including any other marketing calls / texts / correspondence. In order for us to do this, we just need to confirm the telephone number/s that you are receiving the calls to.

If you would like to discuss your account and any concerns you may have, please can you email us at customer.relations@brighthouse.co.uk with your account details (name, address, store the account is with) and with any relevant information that would enable us to handle your enquiry as effectively as possible.

 

Alternatively, you may also speak directly to a Customer Relations Representative on 0800 526 069 who will be happy to help you.

 

Please update this thread with any feedback once we have spoken to you.

 

We apologise for any inconvenience caused and we look forward to hearing from you.

 

Many Thanks

 

Jason

Web Relations Team

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OSC and DLC are totally unnecessary as the sale of goods act covers you FOR FREE..

 

as for hiding them in the 'new agreements'

 

so WHERE does the FREE COVER under SOGA sit with this?

 

the customer DOES NOT NEED COMPULSORY repair insurance or compulsory theft insurance......

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thanks DX And just a update for everyone,

 

i phoned bright house web relations team and the lady was more than helpful and

 

said that if i go in store and ask for my agreement then they will print it off there and then,

 

And she also stated that brighthouse like to sort things out before going to small claims court especially if i have been miss sold OSC.

 

She then said that because of this she is going to raise a complaint on my behalf.

 

I will keep you all updated what happens

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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DLC too ?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I didnt think i could claim DLC as i havnt got insurance on my home? If i can claim it i will do

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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there is no legal requirement on HP agreements for the goods to be insured

 

it is solely a condition within BH's T&C.

 

and as we know with PPI & Credit/Loan PENALTY charges

 

being contained within their T&C's does not make it unchallengeable

 

ask them specifically where the HP agreements act states the goods MUST be insured against loss or theft....

 

we cant find it...

 

did you read that link I sent...

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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there is no legal requirement on HP agreements for the goods to be insured

 

it is solely a condition within BH's T&C.

 

and as we know with PPI & Credit/Loan PENALTY charges

 

being contained within their T&C's does not make it unchallengeable

 

ask them specifically where the HP agreements act states the goods MUST be insured against loss or theft....

 

we cant find it...

 

did you read that link I sent...

 

dx

 

You've just made things perfectly clear for me on my claim, I have several past accounts with BH ... I shall be challenging this point - asking for where it requires in Law that it must be insured.

 

:)

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that'll be fun!!

 

we cant find any

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi again caggersI have been looking for a template to send to head office to claim all of these hidden costs back, any ideas where i can get one or if someone wants to type one up for me as my wording is not as good as most, thanks

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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so you've done a spreadsheet?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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yes it might be an idea to workout how much they owe you back

 

have you all the statements?

 

see link 3 below

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I'm working it all out as we speak mate, but i thought i best give them a covering letter of my intentions but dont know how to start it

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Just an update folks I have filled out my calculation sheet that dx put on here (thanks). And it seems that Bright House have taken £674.14, so my calculations and a nice direct letter has been sent the head office, recorded and now have 14 days to respond.Would love to here how other people are getting on

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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  • 2 weeks later...

MERRY XMAS CAGGERS

 

UPDATE: Please see attached file

 

this is the letter i got back from bright house today.

 

It looks as though they have only looked into my agreements, and not what i was told verbally.

 

I spoke to someone on the phone from the costumer relations department, which he was not much help.

 

What should I do now people?

 

I have go to go in store today to pay my bill.

 

The OSC best have been taken off or I will refuse to pay until it has.

 

Advice please..

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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Hi Sash.

 

The image is a little small to be able to read

 

Any chance you can convert it to a PDF file.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi silver fox, I have just had a call from their area manager and has made me an offer of £200, i might be a bit silly but i have accepted it on the grounds that I'm making a little video that will be on youtube soon to show people and let them know that it is possible to do this. When it is done i will send you the link to it.

Thanks you for all your help

I HAVE FOLLOWED ALOT OF ADVICE FROM PEOPLE ON THIS SITE, AND IT MADE ME REALISE MY RIGHT AND WHAT I WAS DOING WRONG.......NOW I'M DOING IT RIGHT

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