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    • Just to add that my understanding if you're on furlough, you are allowed to work for a different employer.   HB
    • The trace they used was the simplest E-trace and it came up with that address as I used it to get a new debit card delivered as the bank wont send cards internationally.   I have a statement from a UK bank which shows my overseas address. Should I send a redacted copy of this to Andrew Wilson as evidence that I do not reside at the address on the writ and didn't at the time the writ was issued.   Will this be sufficient to stop them knocking at the incorrect address ?   They still haven't supplied a copy of the notice of enforcement or any documentation related to the visits they've allegedly made.
    • Here's the reply from Andrew Wilson:   Dear Mr Sadiq   We write further to your email dated 6 April 2020.   Please find attached a copy of the letter sent from the Claimant to your email address. They have confirmed that the required methods of service to obtain the Judgment in respect of this Claim were followed.   Once a Judgment was awarded a further trace was then conducted confirming that you were residing at the enforcement address. Following our attendances at that property, you have made contact with the Claimant directly and they are now in receipt of your payment of £1,360.00.   To date, there have been multiple attendances on this case and a large volume of work has been completed in an attempt to recover this debt. We note the contents of your email, but it would appear that you are refusing to provide payment of the outstanding balance. To bring about a conclusion of this matter however, we are prepared to reduce the enforcement fees by £594.00 if payment of £349.27 is made by Tuesday 14 April 2020.   If payment is not made then this case will be re-assigned for further enforcement and the fees re-applied. Please note that the Judgment will also remain outstanding in your name which can have an effect on your credit rating.   I will place this matter on Hold – awaiting your urgent response until this Friday.   Kind Regards,
    • The Plot thickens.. Here is the response from the creditor:   I thank you for your email of 24 March and apologise for not being able to respond earlier. I also acknowledge receipt of the payment of £1,360 in respect of the judgment debt. Unfortunately I cannot accept this as full payment. The Sheriff confirmed to you in their email of 13 March 2020 the judgment debt now stands £2,128.14. After deduction of the above payment there is a shortfall of £943.27. I require immediatae payment of this shortfall to avoid any further enforcement action against you. In response to your email I set out the followiing chronology: 1. (Creditor)sent you a letter before action on 6 September 2018 to your email address   2. No response received so I requested a trace and xxxxxxxx came back in February 2019 as your address.   3. The letter before action was sent to you again at the above address on 18 February 2019. This was letter was not returned by the Post Office as undeliverable and is, therfore, deemed served.   4. No response was received from you so Court proceedings were issued at the above address. The proceedings were served by the Court. I was notified by the Court that the proceedings had been returned by the Post Office and deemed to be 'unserved' unless the address given was not the relevant address for the purpose of rule 6.18 CPR. I reviewed the matter and requested a further trace, which came back with the same address. Therefore, it was not necessary for me to take any further action to serve the proceedings as the address used was shown to be the correct one.   5.I requested judgment in default of your response and on 10 June 2019 I sent a copy of the judgment to the above email and postal address. This letter was not returned by the Post Office, so again is deemed served upon you. You did not respond to either communication.   6. On 8 January 2020 I considered enforcement steps. A further trace confirmed you were still living at the above address so I prepared a Writ of Control. Upon the Sheriff attending at the above address you have made contact and made a part payment.   Taking the above into consideration I am confident the Court will conclude that you have received service of all of the documentation in respect of this claim. I was aware from receiving xxxxxxxx file that you worked out of the country. This is the reaons why I carried out traces to identify your address. I also sent correspondence to you via email. You have had opportunity to contact us to avoid the Court fees and costs which are incurred when enforcing a judgment debt, but have failed to do so. If you feel there are issues which should be considered by the Court in respect of the judgment obtained then I invite you to make an application to the Court setting out the same. Please provide me with a copy of the application when you submit it to the Court. Alternatively, I request payment of the balance of £943.27 within 14 days, failing which the Sheriff will be instructed to continue with the Writ.      
    • Thank you very much indeed for this. It's very interesting and very helpful. You will be great if you could possibly upload some of the documents you received – including the defence. Keep on visiting the forum – and maybe help others with your experience.
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may i please have some advise about brighthouse please

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i was wondering if anyone could please help with some advice



we had to move home about 5 weeks ago due to the wifes sister having cancer

and we being out of work but actively seeking work



the new house is a bit more costs to run and with cuts in our own money

we sort of fell into a black hole with our payments to brighthouse



when we got a letter a couple of weeks ago we had make choice that way things have been recently

we had no option but to call the store n ask if could return the items we had



but could i hell get the guy behind the counter to understand we were really at the end of the barrel sorta thing

but kept offering to get us go in and redo the contracts with cheaper items



but when asked if could return em he said it does not work like that

we had 4 contracts with the for the sofa - kids tv and washer


somehow the idea was if im falling so far behind to send em back

get outta debt with em n replace what we had


we borrowed money to replace kids tv and saving for sofa

those easiest to go as only had those for 6 months



would have been hardest for the washer though as got that in june 2014 so thats over half paid for


after 2 weeks of not wanting rewrites of contracts they not been back in touch since



but yet the bill gonna be building up

i know its not the most ideal situation

but due to the wifes sisters cancer and running back n forth to hospital appointments for chemo n specialists



just alot has taken its toll lately and really dont know weher been comming or going at times

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Welcome to CAG Stew1970


Apologies to hear of the issues you are facing with BH.

We do have a rep but at the best of times they can be a bit... Irresponsible... (They just sherk responsibility onto the store)


Do you have the original agreements? As for BH staff... Dont play with them in store. Not Worth it.

How deep are you with Arrear payments etc?


Let us know, we will help as we can.


We could do with some help from you.


Have we helped you ...?         Please Donate button to the Consumer Action Group



Receptaculum Ignis


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thank you for your reply

yas we still have the original agreements as we did not not redo the contracts as they wanted to as felt would been like getting into debt all over again n restarting from square one

think the guy on the phone other week with the late fees etc comming in fast he claimed was over 200 quid so for the past week or so since spoke to em its been bit of nightmare juggling everything thats going on and keeping head afloat

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Hi stew1970,


Thank you for your post.


I am sorry to hear about the difficulties you are currently experiencing.


We do appreciate that peoples circumstances can change and we will try to help them when we can. When people advise us that they are in financial difficulties, we have a few options that we can offer to try and help them:


• Pick up and Hold – A customer can surrender the goods to their store for an agreed period, during which time no payment is due, they may then resume the agreement if and when their finances improve.

• Alternative Product – A customer can surrender the goods and discuss with their store the possibility of taking alternative items within the same product range, but at a lower weekly payment.

• Returnability – A customer can return an item with nothing to pay, any arrears would be cleared and the agreement then terminated.


Obliviously we never like to lose a customer, but we do understand sometimes this may be the best option for them.


So we can help you, I kindly request you contact our Customer Relations team on 0800 526 069 and quote reference number 269345. We will then be able to find your account details and discuss how we will be able to best help you.


Many thanks,



Web Relations Team


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thanks jason will give them call this am as last night we missed the store manager when she visited but by time wife went see if was still parked up out back she had left

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well we have spoken to customer relations they say the ref no didnt hold much so took all the nesseccary info and will be having word with the store and call us back

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well just an update of where stand now with it

customer relations were not a great help they claimed would get no more visits etc from local store as it was gonna be escallated to the area manager ( who never got in touch as claimed would in the 48 hour window )

we did get a visit from one of the store staff so we decided take the bull by the horn and invite him in to discuss everything and see best way forward ( and for ones seemed as if he was not on his high horse so helped a little )

we signed kids tv's back over to him as they had already been replaced the sofa he offered us go get a more cheaper affordable one if wanted so arranged that to go back without any payments being required so just waiting collection as we speak

the washer well offered a rewrite claimed would not lose any payments etc on it so as we culd not afford lose that we had no choice but to take that offer but will only be on a short term basis as once finished with sofa we saving for new washer as sat n thought the rewrite payments was staying same but yet a few extra weeks had been put on the agreement and he claimed we had 60 weeks left so figured that time left and the payments could replace the washer for around half that price

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