Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Brighthouse and FCA - now say they remove 5 Star Service if Asked


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2920 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Just seen this article and wondered what it means for the customer where it says

 

The rent-to-own retailer is also removing the requirement for customers to pay for insurance coverage as part of the its service package, after being told by some shoppers that they already have insurance cover.

 

Does this now mean I can ask to have this five star cover removed thus lowering what I have to pay back and lessen the weeks to pay? (after all this five star cover has hidden insurance in ) regardless of what Brighthouse says.

 

http://www.retail-week.com/topics/policy/brighthouse-launches-price-promise-and-seeks-to-allay-misselling-fears/5074516.article

 

 

http://www.appgdebt.org/inquiry/

 

 

http://www.theguardian.com/business/...tomers-say-mps

Brighthouse news 2015.pdf

Link to post
Share on other sites

oh that's good news

 

 

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... 

Link to post
Share on other sites

right back to your question

 

 

I'd say yes

 

 

theres no legal remit at all on HP or rent to own goods

that state you must have insurance

 

 

time to reclaim it me thinks.

 

 

though we've seen this price promise thing before too

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... 

Link to post
Share on other sites

Excellent. Bet they refuse to remove it though. I don't need it never have as we have our own insurance. so my owing balance and weeks should then be reduced shouldn't it?

 

Lowering the weeks we can get rid of them thankfully!

Link to post
Share on other sites

redeuced yes

 

 

and you are entitled to whatever you have already paid ever

on OSC/DLC back

 

 

see reclaiming threads in this forum

 

 

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... 

Link to post
Share on other sites

Its funny how Brighthouse try to say the 5 star service cover they make customers now take out on new agreements isn't insurance...of course it is - they just try to disguise it. I hope for one the FCA has them on mis-selling

Link to post
Share on other sites

Note they say they will remove it "if asked"

 

There will still be a lot of people who will not understand that they can have this removed or refunded if they have been misled into taking out the package. Or if they are faced with the Bully boy attitude of some of the store managers/staff that we have heard from other caggers.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Product price £185.20

If it says Weekly payment £4.36

Product with 5 star service £247.05

Number of weeks 104

Rep APR 99.9%

Total payable £453.44

 

I'm paying £6 per week

How much would it go down by what you have to pay back. it wouldn't be £453.44 would it?

 

They'll probably say this new way 5 star service doesn't include OSC/DLC just to get out reducing amount we have to pay back.

Link to post
Share on other sites

Bet they refuse to remove it though.

 

I'm in the mood to pick a fight with someone.... I might just pop in to their local store and record the ensuing fracas for your entertainment :madgrin:

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

Link to post
Share on other sites

However, the retailer says it will still require all its customers to insure their products either through

their own policy or BrightHouse’s insurance.

 

 

There is no law stating RTO items have to be coverd by ins, only TC from BH, and they can not make you take it, as that would be seen as unfair trading and is coved by the 2008 unfair trading Regulations

Link to post
Share on other sites

Product price £185.20

If it says Weekly payment £4.36

Product with 5 star service £247.05

Number of weeks 104

Rep APR 99.9%

Total payable £453.44

 

I'm paying £6 per week

 

 

 

 

 

You are paying more for the insurance than you are the product ?

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

so you've asked today?

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... 

Link to post
Share on other sites

so you've asked today?

dx

 

Yes and here was what store manager told me when I showed them the article above.

 

"This states the insurance offered by BrightHouse does not need to be taken on all new agreements from the date of 27 April (but the 5 Star service is still included), but it cannot be removed from previously signed agreements."

"

Link to post
Share on other sites

Good Morning rosey-789,

 

On the 27 April 2015, we decided to change our proposal after listening to our customers and the comments surrounding the insurance on our products.

 

We now offer a the 5 Star service which includes the delivery and installation of all products. The 5 Star service also includes our Service Plus, this allows for unlimited repairs, loan products when required and a like for like replacement when an item cannot be repaired. The 5 star service is included with all products and cannot be removed.

 

The option to take out the Product Insurance Cover, is offered by BrightHouse as an alternative to Home insurance. All of our products on the new agreement proposal will need to be covered by an insurance, this can be the insurance offered by Brighthouse or a valid home contents insurance policy.

 

If an agreement has been signed previous to 27 April 2015, this agreement will include the 5 Star service which covers all repairs and replacements, as well as accidental damage, fire and theft for all products. The 5 Star service cannot be removed from any agreement, past or present.

 

To summarise, all agreements include the 5 Star service but any agreement started from 27 April will have the option to sign up for the Product Insurance cover or to supply an insurance from an alternative company.

 

Many Thanks

 

Jason

Web relations

Link to post
Share on other sites

god so even more useless/unnecessary cover/insurance............

 

 

all of which is totally unnecessary under RTO or HP agreements

as soga covers the buyer.

 

 

incredible!

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... 

Link to post
Share on other sites

Good Morning rosey-789,

 

On the 27 April 2015, we decided to change our proposal after listening to our customers and the comments surrounding the insurance on our products.

 

We now offer a the 5 Star service which includes the delivery and installation of all products. The 5 Star service also includes our Service Plus, this allows for unlimited repairs, loan products when required and a like for like replacement when an item cannot be repaired. The 5 star service is included with all products and cannot be removed.

 

The option to take out the Product Insurance Cover, is offered by BrightHouse as an alternative to Home insurance. All of our products on the new agreement proposal will need to be covered by an insurance, this can be the insurance offered by Brighthouse or a valid home contents insurance policy.

 

If an agreement has been signed previous to 27 April 2015, this agreement will include the 5 Star service which covers all repairs and replacements, as well as accidental damage, fire and theft for all products. The 5 Star service cannot be removed from any agreement, past or present.

 

To summarise, all agreements include the 5 Star service but any agreement started from 27 April will have the option to sign up for the Product Insurance cover or to supply an insurance from an alternative company.

 

Many Thanks

 

Jason

Web relations

 

 

Sorry Jason but why force customers on signing a new agreement to have this 5 star service we don't need.

 

 

you always get a years warranty on all products anyway and where you state the 5 star service is for things like loan products etc that is rubbish.

 

 

I have a laptop coming away from the screen and they won't even give me a loan one until mine gets fixed

as they state they only have two and they aren't available

so mine hasn't been sent for repair as I refuse to sit for weeks on end without it..

 

 

its useless especially for people like myself that have their own insurance and my products would be covered by that.

 

 

Its just another way of hiding insurance etc into the product by hiking the price and weeks up.

Link to post
Share on other sites

Good Morning rosey-789,

 

On the 27 April 2015, we decided to change our proposal after listening to our customers and the comments surrounding the insurance on our products.

 

We now offer a the 5 Star service which includes the delivery and installation of all products. The 5 Star service also includes our Service Plus, this allows for unlimited repairs, loan products when required and a like for like replacement when an item cannot be repaired. The 5 star service is included with all products and cannot be removed.

 

The option to take out the Product Insurance Cover, is offered by BrightHouse as an alternative to Home insurance. All of our products on the new agreement proposal will need to be covered by an insurance, this can be the insurance offered by Brighthouse or a valid home contents insurance policy.

 

If an agreement has been signed previous to 27 April 2015, this agreement will include the 5 Star service which covers all repairs and replacements, as well as accidental damage, fire and theft for all products. The 5 Star service cannot be removed from any agreement, past or present.

 

To summarise, all agreements include the 5 Star service but any agreement started from 27 April will have the option to sign up for the Product Insurance cover or to supply an insurance from an alternative company.

 

Many Thanks

 

Jason

Web relations

 

why do you keep saying this for , they have that right to repairs or like for like if the item can not be fixed under the sale of good act, there is no law to say items on hire PURCHASE AGREEMENTS have to be covered,

 

and its not down to the customers why you are doing this, its the fact that MP's are asking the FCA to look into the said covers that YOU!! say you have to have

Link to post
Share on other sites

When this 5 star service came in I remember the staff at Brighthouse telling us that we no longer need to bring our home insurance letter in as its now all covered in the 5 star service which to me says this service has hidden insurance into it.

Link to post
Share on other sites

yep

 

 

just massaging things to their advantage

 

 

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... 

Link to post
Share on other sites

 

The option to take out the Product Insurance Cover, is offered by BrightHouse as an alternative to Home insurance. All of our products on the new agreement proposal will need to be covered by an insurance, this can be the insurance offered by Brighthouse or a valid home contents insurance policy.

 

 

 

Jason

Web relations

 

Jason, so this insurance offered by Brighthouse, does it only cover those items that are being purchased from Brighthouse or all items within the customer's home.

 

If only those items being purchased from Brighthouse, then your response is disingenuous as it is NOT an alternative to Home Insurance which covers all contents!

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Good Afternoon citizenB,

 

Some customers tell us they already have insurance or wish to purchase an alternative policy. As mentioned previously, we have listened to our customers and made some changes to our proposition to offer more choice and to make their shopping experience even easier.

 

Customers now have the choice to either purchase our Product Insurance Cover or provide evidence of an alternative cover purchased elsewhere.

 

Every Hire Purchase agreement with BrightHouse contains an obligation to keep the relevant goods insured at all times, against loss or damage caused by fire, theft or accident. You may have, or be thinking of buying, a household contents policy or other policy that will do this which is perfectly acceptable. If a customer does not have or decides not to take an alternative policy, BrightHouse has offered covers that fulfil the obligations of the agreement.

 

All of our Hire Purchase agreements also include our 5* Service. This means our customers get peace of mind by having a range of features as standard for the duration of each agreement.

 

In addition to your statutory rights, our Five Star Service includes a service warranty for unlimited repairs for your product. If your product needs repairing, we'll come and fix it. This benefit is included for all our customers, so you won’t need to pay anything extra if something should happen. However, also included in the weekly price, all customers are able to:

 

-Return your product if you change your mind

-Restart with the latest model

-Take advantage of our pick up and hold service

 

To learn more about our 5 Star Service or Service Plus, please click here http://www.brighthouse.co.uk/about-us/5-star-service/

 

Alternatively, please contact the Customer Relations team on 0800 526069 or email at [email protected] for any further information or advice.

 

Many thanks

 

Jason

Web Relations

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...