Jump to content


  • Tweets

  • Posts

    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Please note that this topic has not had any new posts for the last 1429 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

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!

Link to post
Share on other sites

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?

Bring back free speech we miss it!

Link to post
Share on other sites

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

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites
  • 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!

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites

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?

Bring back free speech we miss it!

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites
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!

 

 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites

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!

Link to post
Share on other sites

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

Link to post
Share on other sites
  • 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😂

Link to post
Share on other sites
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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...