Jump to content


  • Tweets

  • Posts

    • Now some at this stage might think I'm leading to doggerland as the site of Atlantis   https://www.winterwatch.net/2019/01/did-the-inspiration-for-atlantis-flood-and-ark-legends-stem-from-paleo-doggerland/           but for a number of reasons, I'm not ... although I think it is a part of the larger story,   Its a little late. I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc) ... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does. ... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.           http://www.bbc.co.uk/earth/story/20150722-lost-beasts-of-the-ice-age   http://www.canada.com/technology/Massive+Canadian+melt+have+triggered+flood+biblical+proportions/3954124/story.html   https://en.wikipedia.org/wiki/Outburst_flood   http://www.talkorigins.org/faqs/flood-myths.html#Sproul    
    • Hi.   Someone reported that your pg1 still had the reg number showing, so I've removed it and left pg2.   HB
    • Yes because you have not entered into an agreement with the claimant...nor do they state you ever did.   2.The loan was funded by Ferratum Uk Ltd.
    • Hi DX   Thank you for that.   No house move    Doh ... I know what a PAP LOC is now (apologies for being slow !)   I have had a tinker and found another defence example which I have taken account of.    How does the following now look ?  (bit lengthy apologies in advance !) **********************************                                                                           Particulars Of Claim 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by Ferratum UK Ltd.   2.The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant upon which a Notice of Assignment was sent to the Defendant.    3.The Defendant has either failed to respond to the Claimant or has failed to maintain regular payments.   4.The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.    5.The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 11/02/2019 to 23/07/2019 on  £417.00 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.09."    " Defence    1.            The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5(3) in relation to any particular allegation to which a specific response has not been made.   The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC   2.           Paragraph 2 is denied. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.  And it is denied the claimant has served any Notice of Assignment pursuant to the Law & Property Act 1925    3    Paragraph 3 of the particulars is not admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim for an amount of £431.81. It is denied the defendant failed to abide by the terms of contract.   4.       Paragraph 4 is noted although I have no record of ever receiving a Default Notice or Notice of intention to serve a Default Notice in this matter.    5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default and with regards to my CPR 31.14 request.   (a) show how the Defendant has entered into an agreement ; and (b) show and evidence the nature and service of a default notice pursuant to sec87.1CCA1974 © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7 .As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9.By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any   ******************** end of defence ************
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1471 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Please help. My partner is in 4 weeks arrears of £200 due to losing tax credits. he has offered to pay extra on top of what he normally pays but they won't accept his offer and its putting us in more debt due to their charges on top. hes worried sick and suffers from health problems and is awaiting on his medical for him to stay on his ESA and this is making his health worse as we can't make that £200 up on top of the £53 he already pays per week. then we have other bills.

 

We don't have their insurance as have our own but they're now threatening to come into our home and tell the neighbours about us not paying and they want to take our goods which we've been paying on for over a year and some 2 year and we can't do without the washing machine. I don't want to lose our things.we just want to arrange to pay a bit of arrears back on top of the weekly payment even if it does leave us without.

Share this post


Link to post
Share on other sites
they're now threatening to come into our home and tell the neighbours about us not paying and they want to take our goods which we've been paying on for over a year and some 2 years.

 

How are you communicating with them?

 

If it is over the phone then STOP.

If they ring tell them to put everything in writing and hang up.

 

What you have described there is BLACKMAIL, and whoever told you they would inform your neighbours needs to be sacked,

make a very loud formal complaint to the CEO regarding this parasitic outfit, leo.mckee@brighthouse.co.uk and follow up your complaint in writing too,

http://www.ceoemail.com/s.php?id=b-9248

 

Inform him that you are mindful of taking your story to the press in order his employee is not only sacked, but is dealt with by the courts for blackmail, which falls under the theft act.

http://e-lawresources.co.uk/Blackmail.php

 

The fact they will not allow your offer is indicative of just how loathsome this outfit is, deliberately pushing you into more debt.

 

I'd also be mindful of making a formal complaint to the FCA too.

 

BH cannot just rock up and take back anything, they would need to get past your front door for a start!

 

I'm pleased you don't have their pointless insurance either, that's a saving grace right there, well done!

Edited by Bazooka Boo
Typo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

And remembered any doorstepper ls not a bailliff

 

They have no such legal powers whatsoever

 

And they most certainly cannot repo any goods as you have paid more than a third

So court order time only

 

But anyway even under a third

They have no right of entry

Nor ever can take goods without your permission

 

Their late fees are also unlawful and unenforceable

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi Beth

 

Welcome back to CAG and sorry to see that youve had these issues.

DX and BB are completely right. !st off, reclaim those insurances, they will wipe the arrears out and give you more money. Thats if you have any of them. Are you sure that you havent been forced to have their 5 star service?

Also don't forget that there arrears fee are not lawful and cant be enforced.

 

If a doorstep person turns up, there isnt much they can do unless they do have that court order and from what it sounds like and knowing Brighthouse's agreement lenght, I would say you have definitely paid over a 1/3 for your items.

Share this post


Link to post
Share on other sites

Thank you all for the advice

 

 

myself and especially my partner don't want it ending up in court and we get our goods taken from us after all the money he has paid over.

 

 

we do have the five star service but that is compulsory and they tell you that it cannot be removed.

insurance/dlc can be which we don't have anyway but the five star package you have to keep or customer is not allowed to take product.

 

We don't want our goods taken by the courts and that is why we offered a small amount extra each week

along with the £53 he pays but we can't make £200 up straight

 

 

they won't accept it and want the whole £200 plus charges.

 

 

we are so scared that they get to take our things and its taking its toll on my partners health.

he is a 61 yr old man with health problems to begin with and we sure don't want our neighbours being told out personal finances.

 

 

I'm in tears writing this as we don't know what to do.

 

 

wish we had never got involved with this shop.

Share this post


Link to post
Share on other sites

they don't do court - never seen it here once

and they cant take your goods without one

nor inform neighbours.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
they don't do court - never seen it here once

and they cant take your goods without one

nor inform neighbours.

 

 

dx

That came to my mind too, Exactly that, Ive never seen them do Court, YOU ARE SAFE!

Priority Debts first, Non Priority later and then feed the scraps to Brighthouse...

Share this post


Link to post
Share on other sites

Thank you all so much. has stopped us worrying a little knowing they don't do court as we don't want our stuff being took from us after paying on some for 2 year. I just wish they would allow us to pay the £53 and a little extra from the £200 arrears but they just won't have it.

 

Dreading them banging on our door though and hope they don't do as they say they will and inform our neighbours.

Share this post


Link to post
Share on other sites

if they do you get testimony from your neighbours and sue them in court

the FCA/FOS/ICO wil eat them for breakfast

you pay them what you can when you can end of!!

 

 

and the 5 star service in NOT compulsory

and can be reclaimed

 

 

you are covered free under the SAle of goods act anyway.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Good Morning beth0o0,

 

I am sorry to hear your partners account has fallen behind with payments due to means out of your control.

 

When an account unfortunately falls into arrears, our collection process is to contact the customer by phone, and if we are unsuccessful we would make a visit to the property.

 

BrightHouse offers many options to help customers when an account is in arrears, these include:

 

1. Pick up and hold – this allows customer to return any goods on a temporary basis.

• No further payments whilst on hold

• Any arrears frozen

• The item will be returned to the customer once their circumstances improve

• No limit on the number of times a customer can take advantage of pick up and hold

• Saves having to start from the beginning of an agreement

 

2. Downgrade - should a customer experience a more permanent change in their financial circumstances they can downgrade

their item for a less expensive one.

• A more affordable alternative may be one of our quality refurbished items

• A new contract is required which may result in loss of protected goods status

 

3. Full return – where customers experience a longer term change in their circumstances they can return their product.

• any arrears removed

• zero remaining balance

• a re-start voucher which allows the customer to pick up where they left off with a similar product should they buy again

from us within 12 months

BrightHouse store managers are empowered to work with customers to ensure the right option is selected and offered to the

customer – the above options cannot be guaranteed as they are not suitable for all circumstances.

 

 

All these options can be taken advantage of at any time.

 

As I do not have any account details for your partners account, I am unable to speak with your local store directly to see what we can do to help.

 

I have logged your post on our complaints system under the reference 219061. Please could you inform the Customer Relations team of the details on the account either by calling 0800 526069 or by email to customer.relations@brighthouse.co.uk. Please include the reference number so we can add the details to the correct complaint and have it looked into accordingly.

 

Many thanks

 

Jason

Web Relations

Share this post


Link to post
Share on other sites

Told you they would come... I think Jason has a good point about the full return if you wanted to VT the items in question but as youve paid quite a bit... :) I wouldnt.

However, Jason, Could I ask why CR at BH doesn't have the power to step in and take FULL CONTROL of the situation?

 

We've heard and seen exactly what some of the staff do to get their arrears removed or recover the items.

 

Anyway Im not going to grill you. I may also need to talk to you directly about something. It appears I have Brighthouse on My consumer Credit profile and I want it removed.

Share this post


Link to post
Share on other sites

Beth as you have already been subject to BH's criminal employer and their blackmail, DO NOT contact these by phone EVER!

 

Keep everything in writing/email so you have a paper trail of evidence should you wish to take legal action against them.

 

The 'options' they provide are patronising to sat the least! ''Pick up and hold''????

 

As has already been said, ANYONE who turns up on YOUR property unannounced can be given short shrift and told to

remove themselves before you call the police.

And 'IF' BH send one of their clowns round, then you are under absolutely NO legal requirement to discuss anything with them, again

keep everything in writing, whatever they wish to say can be committed in writing, I'd like to see them threaten telling your neighbours in

writing!

 

I'd be welcoming them banging on my door, I'd make them you tube stars for a day.

 

Don't forget, that this is YOUR home, YOU have every right to feel comfortable and protected in YOUR own home.

DON'T let some tin pot company who's only aim is to make a profit out of other peoples misery and circumstances make you

feel the slightest bit threatened or intimidated in YOUR own home.

 

YOU choose who YOU wish to invite into YOUR own home, THEY don't and cannot dictate to YOU anything.

 

You have made a very generous offer, they have refused, and they have threatened to blackmail you to boot, a clear cut criminal offence

for which that particular employee should be sacked, and the press & media should go to town on, again!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Good afternoon beth0o0,

 

Apologies for the delay in response.

 

Just touching on my previous post, the Customer Relations team have yet to receive any communication from you regarding your partners account.

 

I would like to advise, as each customers' circumstances are different and to provide assistance with your partners account, as previously requested I would need the details to be able to look into the options available. I would like to reiterate that we have many options available that can help bring the account back up to date in addition to what I previously mentioned.

 

I kindly request you contact the Customer Relations team on 0800 526069 or email customer.relations@brighthouse.co.uk and quote the reference number 219061 so we can look into the account and find a suitable resolution.

 

Many thanks

 

Jason

Web Relations

Share this post


Link to post
Share on other sites

Hi fkofilee,

 

Thank you for your comment.

 

I am quite keen to help you and I kindly request you contact the Customer Relations team and quote the reference number 219851.

 

I would need some more information in order to look into your enquiry.

 

Many Thanks

 

Jason

Web Relations

Share this post


Link to post
Share on other sites

Please don't ring them Beth, email them so you have a record and evidence of what has been said.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Just a quick update. Today one of the BrightHouse staff came knocking asking my husband when he will be paying his £53 plus £200 we are in arrears with and charges. he said he'll be into store tomorrow but can only pay the £53. his other 3 items he paid monthly on but since we've lost the tax credits and are awaiting on an appeal for his dla we can't pay full amount and are going to offer to pay £100 per month on those other 3 items plus pay the weekly £53 we pay. They're are going to hit the roof no doubt when he only pays £53 tomorrow. we won't be giving the stuff back as we've paid a lot out and a couple finish in a few weeks. be glad to pay every penny back and be done with.

 

Also how do I go about getting charges and insurance back as at one time we had all that before we got our own insurance as I'd like to try.

Share this post


Link to post
Share on other sites

It's absolutely criminal how these parasites feed off the vulnerable in our society, I feel for you I really do, if I could have a magic wand and

make it better for you I would......:grouphug:

 

Let them hit the roof, there is absolutely sweet fa they can do.

 

If you know the exact amount of charges and how much their pointless insurance cost then you could first start by asking them

for it to be refunded, no harm in asking, all they will say is no, then you can start turning the thumb screws.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites
Just a quick update. Today one of the BrightHouse staff came knocking asking my husband when he will be paying his £53 plus £200 we are in arrears with and charges. he said he'll be into store tomorrow but can only pay the £53. his other 3 items he paid monthly on but since we've lost the tax credits and are awaiting on an appeal for his dla we can't pay full amount and are going to offer to pay £100 per month on those other 3 items plus pay the weekly £53 we pay. They're are going to hit the roof no doubt when he only pays £53 tomorrow. we won't be giving the stuff back as we've paid a lot out and a couple finish in a few weeks. be glad to pay every penny back and be done with.

 

Also how do I go about getting charges and insurance back as at one time we had all that before we got our own insurance as I'd like to try.

 

Hi beth0o0

 

Don't waste your time by going to them tomorrow with the offer as they will not take it, as this is what i did when i fell behind, and they would not take it, they wanted the full arrears paid at the same time, send them SAR for all the paper work they have on you, and then start claiming the charges and the insurance back of them, as there is no law that says you have to have the insurance, and they are breaking FCA Rules by making Customers take it out.

Share this post


Link to post
Share on other sites

Beth, have you made the complaint to the CEO yet?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Take a look at this, by right BH should take part payments

 

 

HIRE-PURCHASE ACT 1967

As at 30 July 2012

 

Appropriation of payments made in hire-purchase agreements

10. A hirer who is liable to make payments in respect of two or more

hire-purchase agreements to the same owner shall, notwithstanding

any agreement to the contrary, be entitled, on making any payment in

respect of the agreements which is not sufficient to discharge the total

amount then due under all the agreements, to require the owner to

appropriate the sum so paid by him in or towards the satisfaction of

the sum due under anyone of the agreements, or in or towards the

satisfaction of the sums due under any two or more of the agreements

in such proportions as he thinks fit, and, if he fails to make any such

appropriation as aforesaid, the payment shall by virtue of this section

be appropriated towards the satisfaction of the sums due under the

respective hire-purchase agreements in the order in which the

agreements were entered into.

Share this post


Link to post
Share on other sites

Sorry its took me a while to reply but my husband spent a few days in hospital with a suspected heartattack which turned out to be stress related and sky high blood pressure so just an update on what is happening.

 

I've sent letters and emails to CEO the FCA to complain. two weekends now including this morning they sent a member of the staff to my door from the shop asking if my partner was coming in to pay. he told them he will be paying the £53 but couldn't pay for the monthly items as we are struggling to pay or bring them up to date and offered £30 per month on the monthly plus the normal weekly payment for the other stuff. they have refused a lower payment offer again and want it brought up to date.

 

I think now its going to get worse and more home visits.

Share this post


Link to post
Share on other sites

You need to report them again and make a formal complaint about them coming to your home. If they continue to come when you have told them not to, then you have a basis for harassment and intimidation


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites
two weekends now including this morning they sent a member of the staff to my door from the shop asking if my partner was coming in to pay.

 

This is YOUR home, YOU decide who you talk to on your own doorstep, tell them in no uncertain terms that they need to clear off YOUR property or you will have them removed by the police, then shut the door.

If they remain, call the police and report that you have someone on your property who won't leave when told to do so, and you believe they will cause a breach of the peace.

 

Instruct this parasitic outfit, in writing, that if they continue this method of harassment, you WILL seek legal recourse regarding their actions.

 

Keep a diary of events with regard to their criminal harassment with a view of taking legal action against them.

 

Just because they're dumb enough to refuse your generous offer of payment doesn't mean they're not greedy enough to take it.

If you can get their bank details then pay them like that, and if you have to go into their premises then DON'T get into any discussion with them about paying the arrears, just pay what you told them you would and leave.

 

What a truly vile little company, would love to see them go to the wall.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...