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Brighthouse Query-DLC/OSC + odd payment schedule **WON £3468.91 thro FOS**


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My husband took out a Bright House agreement for a Wii U for our son for his birthday.

 

My question is if the Wii U which cost £472.68 in total (apr and good) for 52 weeks

 

The initial payment was £14.28 then 50 weeks @ £9.09 then the last week at £5.19

 

My working out is that we have paid in total £473.97 which is £1.29 more than the agreement was for.

 

We went into the store to query this and was told that the £5.19 was the P.I.F. (Payment In Full). But how can this be if the final amount should have been £3.90. Are we missing something obvious. (There was no DLC or OCS taken on this product).

 

Would welcome any suggestions as to what to do.

 

Also have noticed that this is not the first time this has happened but this is the most straightforward and less complicated as the rest have OCS and DLC and new credit agreements to take off the DLC and OCS, after we realised that we didn't need to have them (Thanks again to this group).

 

Cheers Maria

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You are correct..

 

50 x £ 9.09 = £454.50 + initial payment of £14.28 = £468.78

 

Total cost = £472.68 - £468.78 leaves you with £3.90 to pay as the final payment.

 

I would ask them what the difference is for - if they do that to a lot of customers, that adds up to quite a few £'s at the end of the year !

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I did ask the store manager of our local store and just got told it was the P.I.F figure (had to ask what P.I.F was) and said that would have been how it worked out for our account depending on the amount of days left and interest etc. Still can't seem to make it compute.

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I cant either.. I will ask one of the site team to have a look.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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cheers will be waiting for reply so that I can hopefully sort it out as going back to store tomorrow to see the regional manager - hopefully can be pre armed as such

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Good Morning mpenn,

 

The Regional Manager will be able to review any concerns you may have surrounding your payments made and is best placed to establish a suitable resolution.

 

However, if you have any difficulties with speaking to a Regional Manager, please contact our Customer Relations Team on 0800 526 069 or email us with your account details to [email protected] and we will be happy to help you.

 

Many Thanks

 

Jason

 

Web Relations Team

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As a side note - should we just settle for the money back or +interest as they have had some it for over a year.... just wondering like and would it be normal interest / compound ? just trying to get it all straight before we go?

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And at Jason - tbh the email address you are lucky if you get a response from - my husband did email them about a month ago and still waiting for a response - and the phone line they just told him that the regional manager would get back him - which he did saying go in store and sort it - and yesterday store couldn't help so told us to speak with the regional manager today - but still waiting for a call from the store to say that he is there - but like all things bright house doubt we will ever get that call

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Good Afternoon mpenn

 

I apologise for any difficulties you and the account holder may have previously experienced. In this case, I kindly request that the account holder contacts our Customer Relations Team directly on 0800 526 069 so that we can confirm the account details and ensure that the Regional Manager contacts the account holder in order to discuss their concerns and put in place measures to resolve this.

 

However, the account holder may email the details to [email protected] if they would prefer this option and we will respond accordingly.

 

Many Thanks

 

Jason

 

Web Relations Team

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I really don't see why you are unable to answer the question on the forum, Jason - it is a simple question. The last payment doesn't stack up !! It might only be £1.29 but if your stores are doing this to every customer, it is like the £ store saying they wont give you 1p change if the item you purchase is 99p and you give them a £1.00 ??

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hubby phoned as you suggested, told would be phoned by the regional manager as escalated to a complaint now. Will see if we ever hear back.

 

In the meantime - can someone point me in the direction of what what we need to do to reclaim past OSC, DLC and Late Payment Fees, and also claiming back the overpayments that BH have taken. Am sick and tired of the run around that we keep getting from them so time to make it legal me think

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Do you have all your statements with the OSC, DLC and Late payment fees identified ? If you do, then you can go straight into completing one of the spread sheets in the link below. I am not sure which one, so will ask someone to look in and confirm.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Once you have entered all your figures onto the spread sheet, you simply send a copy, along with a covering letter requesting these monies be refunded, to their Head office.

 

If you don't have the statements, then you are going to have to send a Subject Access Request to BH - it will cost you £10.00 and there is a draft request in the link below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Aye we have all the old statements containing all the information regarding the OSC / DLC / Late Fees, they kindly provided us with this awhile ago for free ;) so once someone lets me know which spreadsheet to use I will get started.

 

Thanks again appreciate the help

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Aye we have all the old statements containing all the information regarding the OSC / DLC / Late Fees, they kindly provided us with this awhile ago for free ;) so once someone lets me know which spreadsheet to use I will get started.

 

Thanks again appreciate the help

 

 

Excellent, that will mean there is no real delay.

 

Have left a message asking which spread sheet.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Had a look at all the spreadsheets and a few q's popped up?

 

1. Do I use a different one for each agreement?

2. Can I put DLC, OCS, Late payment fee's and overpayment figure all in the same spreadsheet?

3. If not which ones do I put in which ones?

4. I assume I use the contract apr of 29.9% for all?

5. Do I use the end date as today or the last day we paid osc / late fees etc

 

Just the ones I thought of to start with to save time later on :)

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I am sure that one of the site team will be able to answer all your questions. Or it might be that someone who has already reclaimed this will spot your thread and look in. Don't worry, someone will be able to help :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

The sheet to use is the CI Sheet (the compound interest calculator).

 

If it were me I would do a separate sheet for each agreement.

 

Again, if it were me I would do separate sheets for each item you want to claim back. That way you have easily accessible information for each item.

 

You use the rate that they are charging you so if the agreement is 29.9% then use that.

 

The end date is today...it should be filled in automatically each time you open the spreadsheet.

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1. Single Premium PPI Q&A Read Here

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4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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How do you mean "Overpayments"?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Well it seems that Bright House has taken too much money from us for the majority of our contracts

 

for example the simplest

 

Wii U Which cost £472.68 in total (apr and good) for 52 weeks

 

The initial payment was £14.28 then 50 weeks @ £9.09 then the last week at £5.19

 

My working out is that we have paid in total £473.97 which is £1.29 more than the agreement was for.

 

We went into the store to query this and was told that the £5.19 was the P.I.F. (Payment In Full). But how can this be if the final amount should have been £3.90. Are we missing something obvious. (There was no DLC or OCS taken on this product).

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Ok so we are talking £1.29 over nearly a year.

 

Rather than try and talk to them in person I would write and get their response in writing too. Ask them exactly what the PIF is and where does it state anything about this in the T&Cs of the agreement.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Aye but when you think that was just one of our contract we had another 9 with varying amounts totalling : £ 16.58 in overpayments and that is just one customer - think how many others they do it

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Just wondering if there is someone who could look over the letters that I have drafted ready for hubby to sign

 

Cheers

 

If you want to convert your letters to pdf format and post on the thread, I am sure someone would be happy to proof read them for you :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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