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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


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Yes


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