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


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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

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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... 

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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... 

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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!

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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... 

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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

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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.

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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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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.

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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:

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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

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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

 

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

 

 

So if I can get them to remove this 5 star service then I should only owe then the £185

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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... 

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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."

"

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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

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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... 

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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.

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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

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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.

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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

 

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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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

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