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    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
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Afternoon Folks,

 

 

I am Michael, 24 years old, and I have just had some news I am to be expecting my first child.

 

 

First of all I would like to say sorry for how stupid I was 2 years when I took products out with Brighthouse.

 

 

At the time I had just got my own place, and I needed a TV, I then got two things I didn't need a PlayStation and a Phone.

It all comes to £40 a week, which normally I can afford. But I am now moving in with my girlfriend, she knows I have a bill every week for £40, but she doesn't know its brighthouse, I am ashamed to tell her.

 

 

But last week I informed her that the bill would start to go down. As I belived that next month my TV would be 104 weeks old and I would no longer have to pay for it. I pay £14 for it, 104 weeks means ive paid £1400, for a TV normally costing £400. very excessive!

My store rudely advised my I actually had a full year left, I was a little shocked and also ****ed off, as it might not sound a lot £14 but I cant afford it..

 

 

Normally I would of been more reasonable but at the time of taking the product out I was almost sure the lady said 104 weeks, I remember discussing the amount it cost at the time, I really feel miss sold on this. But regardless they say they have my signature on the agreement.

 

 

What is my position on this, has anyone had any experience of reducing payments or stop paying?

I need to get these payments down to £15 a week for everything? I cant hand them in I have invested a lot of my money in these products?

 

 

Thanks

Michael

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Thank you fkofilee

 

 

But if I have signed for 3 years, which is possible, where do I stand?

Are they likely to reduce my payments?

I really don't want to hand it in, I paid nearly 1500 pound for this product and more on other products

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Lesson to learn; Brighthouse are a pain and persistent.

You wont have to hand it in as youve paid over 1/3 of the total cost. it would be subject to a court order for them to take it back but you cant just stop paying. If you are in financial difficulties then maybe its time to start considering the future. How far through are you with you PlayStation and phone?

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I had the playstation for a year, and the Phone for 14 months.

 

 

I don't want to stop paying I just need to reduce even slightly.

 

 

I have learnt my lesson, it seemed a great idea at the time, but after the third or fourth payment it becomes frustrating.

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I don't know why but im really stressing about this, I was okay until the staff was so rude I got incredible worked up.

 

 

They don't have my correct contact details, so I could just run away and not hear from them in a while. But I am not this kind of person, I just want the payments reducing.

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3 years @ £14.00 a week for a television ?? that is £2,184.00 !!

 

This is absolutely shameful - I am assuming that you would have been paying the mandatory insurances within this ?


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3 years @ £14.00 a week for a television ?? that is £2,184.00 !!

 

This is absolutely shameful - I am assuming that you would have been paying the mandatory insurances within this ?

 

Time to start reclaiming on useless insurances. Okay.... I say useless but actually they are also rather expensive too!

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Time to start reclaiming on useless insurances. Okay.... I say useless but actually they are also rather expensive too!

 

I don't how to claim all the insurance back, is it easy to do. And yes 2180 is also ridiculous for a TV.. Im going to write a long letter tonight explaining that I can't afford it. Thank you for your help so far guys

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let the people on here advise letter but you need details of the insurances and a spreadsheet to list claim back wait for them here to reply do not rush this as you will loose out


:mad2::-x:jaw::sad:

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Good advice , you need to collate your ACTUAL loss, as in how much you have paid in insurance to reclaim the correct amount.


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Do you have a copy of the agreement you signed ?

 

If not, then you must ask for one. Brighthouse, being the tightasses they are, will want £1 for this, they cannot charge you a penny more.

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I don't how to claim all the insurance back, is it easy to do. And yes 2180 is also ridiculous for a TV.. Im going to write a long letter tonight explaining that I can't afford it. Thank you for your help so far guys

 

No, what you need to do is to write a "short - bullet pointed" complaint. They wont read a letter that is not contained on one page - or if they did, then they would likely miss something.

 

As advised by Conniff above, you need to obtain copies of the agreement before doing anything.

 

Your complaint would be based on the fact that you believed the contract was for 104 weeks (2 years). However, one of the store's representative has now advised that it is for 3 years - that it is obvious that there are insurances that you neither asked for nor required (and you want these refunded) - that had you been aware how much this item would cost over the period of 2 years, let alone 3 !, you would never have taken it on.

 

Your financial situation has now changed and you are no longer able to afford the weekly payments as agreed if the contract is to run for another 52 weeks.

 

That you expect your complaint to be dealt with swiftly and if no response within 14 days you will be escalating your complaint to the Ombudsman.


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Thank you for your help again.

 

 

I am going to pay the full amount tomorrow, as I normally pay Fridays, but on Saturday I am going into store with a letter addressing my issues (bullet pointed)

And I will pay for my agreement £1 so I can identify the amount im paying in insurance fees.

 

 

Thank you for all your help again.

 

 

Michael

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Please do let us know how you get on :)


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 Michael

 

I do apologise for the difficulties you've been having with payments and the confusion about the term of your contract.

 

I kindly request that you contact our Customer Relations Team on 0800 526 069 or email us with the full details at customer.relations@brighthouse.co.uk and we will be happy to discuss this matter further and to help resolve any outstanding concerns you may have.

 

Please quote your reference: 249400

 

Many Thanks

 

Jason

Web Relations Team BrightHouse

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I wouldn't do anything until you have a copy of the agreement in your hand. That request should be your first contact with BH.

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Just to clarify for those reading, is that one cca request per agreement?

I.E 3 x agreements = 3 cca requests and 3 x £1 ?


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yes


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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Yes


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