BrightHouse Rep Misleading re Insurance

[Geocyper]

If they stated it is their final response, then that is the deadlock letter. next step, FOS or court. I would use court as an absolute last step, but FOS are very backlogged right now.

Hi, renegadeimp, thanks for that. I know that the FOS have large backlogged. They, BRIGHTHOUSE, have not replied to the SAR yet, although we know they have 40 days on receipt of the request. They have taken the money for the SAR. We are thinking of a two pronged approach , ie, FOS and Court. The point is that to enable us to build a proper case we need all the documentaion from them, on info they hold, this will include all the unfair charges, and insurances that they have levied, and all original HP agreements.

 

Do you have an opinion on this, or anyone else on the site.

[dx100uk]

you cant do both at the same time

 

FOS or court

 

not both

 

dx

[Geocyper]

Hi DX thanx for that info. We have considered it and will push it to the FOS.

[Geocyper]

Hi all. if you look at the above document online 3. Cost of credit.

 

'is it compulsory, in order to obtain the credit or to obtain it on the terms and conditions marketed, to take out

 

- an insurance policy securing the credit

or

 

- another ancillary service contract"

 

if the cost of these services are not known by the creditor they are not included in the APR.

 

Well we went into store and asked for a breakdown on their five staff cover, would not give us it, so they do not know.

 

if you look at new agreement, you have to sign separately for the insurance cover. indeed they tell you if you already have cover, check to see if you need to tell them about this POLICY. They have incorporated the application for insurance in with application for credit.

 

So according to the European document they have to tell you the cost, as it part off the agreement.

Edited June 24, 2014 by Geocyper
mistake

[marcus6]

can not see the document! will not open??

[marcus6]

Hi, renegadeimp, thanks for that. I know that the FOS have large backlogged. They, BRIGHTHOUSE, have not replied to the SAR yet, although we know they have 40 days on receipt of the request. They have taken the money for the SAR. We are thinking of a two pronged approach , ie, FOS and Court. The point is that to enable us to build a proper case we need all the documentaion from them, on info they hold, this will include all the unfair charges, and insurances that they have levied, and all original HP agreements.

 

Do you have an opinion on this, or anyone else on the site.

 

It took me 6 months to get all my paper work of them when i sent the SAR, i had to get the ICO on to them! so this will also work for me if and when the day comes for court!

[Geocyper]

Hi Marcus, sorry having problems my end. I may need advice on downloading, been at it all day, all help welcome. I have scanned it into my system as PDF, can you help

[fay.levit]

Hello Geocyper,

 

I can't see how Ann-Marie is lying as you say. I think there is confusion since the agreements before 2nd Spet 2013 the DLC and OSC was supposedly optional, and since that date Brighthouse made them compulsory whether the customer needed them or not.

 

I think Brighthouse did this since their customers were being encouraged to remove the OSC and DLC - with thanks to internet guidance and help from others. This was only a money making process, to make the 'insurances' compulsory.

 

I think you should concentrate on making a claim for the insurances paid as well as the 5 star service cover that Brighthouse has deemed compulsory.

 

The 5 star service that Brighthouse now offers is not that much. However, it can be seen in another thread on here that Brighthouse rep has in public denied a repair to another CAG user, Brighthouse has stated that their repair could not go ahead since that user did not have any insurance. Brighthouse have therefore in public stated that they are failing to adhere to the Sales of Goods Act / Supply Of Goods.

 

Further confusion could be the fact that whilst the Brighthouse reps here pay only 'lip service' and decline to comment when faced with legal facts concerning statutory legislation (eg, SOGA) - their colleagues within the store may act differently since the colleagues wages are commission based - eg, if you take off insurances, then the shop workers lose commission.

 

There are many people here who will help you reclaim the money back from Brighthouse.

 

Sorry to jump in but does this now mean if you have bought anything after the 2nd September 2013 you can't get this optional/dlc took off?

[Geocyper]

Hi helping a friend,.

 

 

They had been late making a payment,

went into store offered the amount they were behind.

 

 

They told the staff no, I will pay for what I owe on my HP payments, not any late payment charges.

 

 

They said any monies they pay, brighthouse will deduct the late payments.

They refused the offer to pay arrears. Went on about yellow money.

 

Need advice fast.

I advised her to keep the money she owes them at home,

wait for them to apply for court order,

then go to court and explain to judge, just my thoughts

 

Regards

 

Ww

[renegadeimp]

BH are known for this. They cannot refuse to accept a payment and tbey know all their charges are penalty fees and can be reclaimed.

 

Your idea is a terrible one. It guarantees your friend a ccj that the claimant can enforce.

 

Its easier to deal with things now. Read the brighthouse forum to get an idea what to do.

[Geocyper]

Hi, thanks for that reply.

 

 

I know what you say about CCJ.

 

 

I presume if you do not turn up to defend,

 

 

then a CCJ would be issued in default.

 

 

I have spoken to my friend about this.

 

 

I know I may be wrong here but need to be sure.

 

 

If we turned up and told DJ that we are paying what we owe on the arrears,

but not the unfair charges (they already have claim in for unfair charges.

Then the DJ would look at facts,and make DESICION.

 

They can't get credit anywhere else, sadly that's how they ended up with this shower, so CCJ ?

 

I thank you for you help

[renegadeimp]

If you admit the debt you'll get a ccj too.

[Geocyper]

Hi, thanks. There must be someway around this. I will have to think and consult.

 

Cheers.

[dx100uk]

simply pay the bill by internet webbanking portal.

 

 

they cant refuse it.

 

 

would be silly and force a cort case

they wont do that anyway

they never do court

 

 

is he getting the OSC/DLC back too?

 

 

dx