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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Hi Cagger's

 

I know I've been very dumb I know it, anyway I bought something from Bright house last year and I was told if I did not have contents insurance I would have to take out the OSC.

 

In fact I was dumb again the same year and bought something else and was told exactly the same thing.

 

It is my intention to pay these items off and no longer use bright house. but I have since learnt that you can cancell the OSC at any time and I have already drafted a letter using a template from this site.

 

However, I am reading conflicting information about getting a refund for the OSC I have already paid. Is it possible to have this refunded and applied to my account to reduce the amount I owe?

 

I was clearly missold these items as I now understand the line about having contents insurance is bull****.

 

Thanks people

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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I just found this thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?439121-new-to-reclaiming-BrightHouse-Charges-and-OSC-DLC

 

Can someone confirm if it is straight forward to claim back OSC or if they will fight this in court?

We live in an unmoderated country why should the net be any different?

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do you have all your agreements which shows the amounts paid in OSC? If not you will need to send a sar request.

Its a straightforward process but no 2 cases are the same and you must be prepared to go through to court if necessary.

There are many successful threads for BH, have a good look through them to familiarise yourself with what you will need to do.

Help is always close by

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

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Good Morning UnmoderatetheNet,

 

Thank you for your feedback.

 

As part of our standard procedure we provide all our customers with an explanation of the key terms of the credit agreement using an agreement guide presenter. Optional Service Cover (OSC) is completely optional and can be cancelled without penalty with just 7 days’ notice, however you would then not be entitled to the following benefits:

• Repair or replacement

• Loan products

• Full returnability without charge

 

By law hire purchase goods do not need to be covered by your insurance products, however full ownership of a product isn’t transferred to customers until the last payment is made on their agreement(s). Therefore, we must ensure that our goods are covered for Fire, Theft and Accidental Damage. Customers can take this cover through a home contents policy. We offered DLC to customers who did not wish to take out a home insurance policy or alternative cover.

 

I have logged this for you under the reference: 257482, I kindly request that you contact our Customer Relations department on 0800 526 069 and quote the above reference so we can look into this further for you.

 

Jason at BrightHouse

Web Relations

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well if you want the items insured then YOU brighthouse should pay for it

not the customer.

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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  • 2 weeks later...

Dear Jason

 

I have logged this for you under the reference: 257482, I kindly request that you contact our Customer Relations department on 0800 526 069 and quote the above reference so we can look into this further for you.

 

I might have been a dumb *^#+^^* for buying something from BH but seriously do you honestly expect me to listen to one of your telephone [removed]/sales people try to convince me that black is white and that you'll give me a twenty pound voucher if I don't ask for all my money back?

Edited by martin2006

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Bright house are now telling me that the additional service cover can not be stopped because it is built into the price of the laptop I bought.

 

First off is this true, they are known for their bull****.

 

Second if it is true what are my options?

 

Do I have go down the small claims court route.

 

Thanks people

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Ignore them. It can be stopped regardless of what they say. If they say it's included in the price then sar for a full breakdown as it's forcibly missold

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

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Is this their 5 star service? cough cough!

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!

 

 

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Yeh I think so I need to check the paper work for a definite answer. Thanks for the quick response any practical advice please?

We live in an unmoderated country why should the net be any different?

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When did you fall for their sales pitch and become one of their victims?

 

Pre or post 27th April 2015?

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!

 

 

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Have you got another thread about the same issue?

 

I've responded to your other post about this, if it's the same issue?

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!

 

 

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Pre April 2015

 

November 2014 to be exact.

 

I'm guessing that's a bad thing right :(

 

On the contrary, it is a good thing, as after that date they moved the goal posts to suit their needs, and it was added in to the price, so

yet again, they're talking nonsense, do you have it in writing, or was it just something one of their employees told you?

 

If you have their name then I'd be telling them if they wish to lose their job and be done for fraud to continue with their lies.

 

If not, then remove the useless cover and refund the amount they have taken off you/

BrightHouse require hire purchase goods to be covered against damage caused by fire, theft or accidental damage.

We regularly talk to customers to understand how we can deliver better value for them.

Whilst a great many of our customers do not have a separate home contents insurance policy and therefore greatly value our Product Insurance offering, this is not true for all of our customers. We will therefore now be offering our customers the choice of how they wish to benefit from the peace of mind that Product Insurance can offer.

If you took out your agreement from the 27th April 2015 and you did not have a home contents insurance policy or alternative insurance to cover Hire Purchase goods, our Product Insurance is available.

Product Insurance Cover provides cover for loss arising from the theft of your hire purchase goods or any loss or damage to them caused by fire or accident. It does not cover you if you lose the product (subject to Terms and Conditions).

If you took out your agreement prior to the 27 April 2015, our Protection Benefit Policy is included in the cash price of the product; therefore there is nothing extra to pay. The insurance provides cover for loss arising from the theft of your goods or any loss or damage to them caused by fire or accident. It does not cover you if you lose the product.

It does not cover loss or damage to anything other than hire purchase goods provided by BrightHouse. (subject to Terms and Conditions).

For more information on product cover click here.

http://www.brighthouse.co.uk/faqs/

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!

 

 

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merged

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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I'm really confused becuase if you remember my original post. The cover on my laptop is built into the price, not additional. hence the reason why I need help.

 

How can you remove something that is built in?

 

I took out my contract out prior to april 2015 so basically Im shafted. :(

 

 

On the contrary, it is a good thing, as after that date they moved the goal posts to suit their needs, and it was added in to the price, so

yet again, they're talking nonsense, do you have it in writing, or was it just something one of their employees told you?

 

If you have their name then I'd be telling them if they wish to lose their job and be done for fraud to continue with their lies.

 

If not, then remove the useless cover and refund the amount they have taken off you/

 

http://www.brighthouse.co.uk/faqs/

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Its forcibly sold. Therefore it is technically missold. They think they can say " if you dont want it, dont shop with us", but it doesnt work like that, and thats terrible business sense anyway

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

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okay if laptop cost x and they charge Y becuase they add the extra insurance and other cover. How do go about getting the extra removed from payments?

 

I'm not seeing any sucess stories on here of people who managed to achieve this.

 

Sure getting the add ons stopped and removed seems more than double but when its built into the price???

 

Anyone

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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You SAR them or demand a FULL itemised breakdown of the amounts, and what they are attributed to.

 

You wont see many success stories, because very few people actually try and reclaim, or they do, and then dont update the thread.

 

Be warned though, you may have to go through SCC to get the money.

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

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  • 1 year later...

Hi all im having problems with brighthouse-caversham finance i took my clomplaint to the fos and their findings was in favour of brighthouse and because brighthouse was not regulatted befor april 14 to be honest im not happy with the out come and im thinking of asking for it to be looked at again by another adjudicator...help please😂

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Hi all im having problems with brighthouse-caversham finance i took my clomplaint to the fos and their findings was in favour of brighthouse and because brighthouse was not regulatted befor april 14 to be honest im not happy with the out come and im thinking of asking for it to be looked at again by another adjudicator...help please😂

 

Then you need to start a new thread of your own....

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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