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    • So after much to-ing and fro-ing, I received notification from the court a couple of days ago that my case will now be heard on May 2022, which suits me fine😊. Any delay or wasting of time endured by Highview Parking is music to my ears, as it hopefully will get them to ponder and reflect whether it is worth their while having to wait an entire year for adjudication over some stupid and paltry PCN. Having said that, I look forward to the hearing as I'm 200% confident of my defence and for which I owe a great deal of gratitude to everyone who chipped in here with those awesome tips and advice. The battle isn't won yet, but the 1 year delay is itself a little moral victory for me. Thanks peeps 🙏🙏
    • Apart from the fact that it was getting too long, I don't think it is necessary to give them any further explanation. I've added a single line which refers to the increasing of your monthly payments by the adding of alleged arrears to the mortgage – and that this is in direct defiance of the ombudsman's direction. If I were you I would leave it there. Also, I think that you should keep it broadly in the same order as I suggested with the fact that their clients have only just woken up – as being the first line that they see and hopefully they will understand that they are dealing with somebody with a very bolshie attitude about this – which is what I think you need to project. Let me know if you really want to change anything else – but frankly I think that you need to keep at this point it is possible. You don't need to give them any further explanation of the ombudsman's direction. I think you've supplied them with a copy of the order already haven't you? If not – then attach the order
    • this is my draft   In reply to your email on Friday the 18th of June.                Firstly today I have received a letter from Barclays informing me that my monthly mortgage payments have gone up by £143 per month that when you calculate over the remaining term of the mortgage it equates to approximately 24k which is very near to the figure which was assumed by the bank to be my arrears. There was no explanation or calculation attached which I find hard to believe. So after contacting the bank and asking the adviser he confirmed that the bank had added on the amount to cover the arrears ( that don’t exist) so in reality I am going to pay the arrears twice. This below is what the ombudsman told your clients to do but unfortunately they obviously cannot read  I quote From the ombudsman to Barclays   My final decision is that Barclays Bank UK Plc should: · Restructure Mr A’s mortgage as if any arrears balance was added to the main balance of the mortgage and the arrears extinguished upon the inception of the mortgage set out in the mortgage offer dated 29 June 2019. · Amend Mr A’s credit file and any internal records in line with the above – so that any arrears were cleared upon inception of the new mortgage   I have asked the bank on numerous occasions for statements in relation to the so called arrears and  my overpayments  Which add up to a few thousand pounds so I can calculate what is also owed to me. They are refusing to give the statements to me stating that because I have missed payments they do not have to supply them , I don’t believe this is right and is not in line with the banking code of conduct.   The fact that your clients have only just woken up and instructed you is no concern of mine. It is simply a further demonstration of their poor attitude to the interests of their customers and also their disregard for decisions made by the financial ombudsman service.   You refer to a "short delay" but I notice that you are unwilling to give any kind of commitment. Your letter is littered with "as soon as possible" and "in due course". But the ombudsman's instructions are clear.  So are the courts powers under the FMSA 2000. There is nothing to consider no negotiation to be had and no compromises to be made - so why the delay?   Because you have made me feel sorry for you I'll give you an extra week. If it was simply a question of money that hadn't been paid, I would agree. There would be no question of prejudice. However, we are talking here about damage to my credit file which has gone on now for well over a year and a half. Your clients may not care about their own  reputation but I certainly care about mine.   The damage to my credit reputation is totally without justification. It is unfair treatment not to mentioninaccurate data processing. It is continuing and your clients are wilfully exacerbating the problem. It's not clear to me whether they are doing this deliberately or simply because of their ineptitude. Do you know? I'm quite happy that you share these documents with the court. Especially your admission that your clients have only just now instructed you despite the fact that this matter has been ongoing for a considerable time. Frankly I would have thought that it would be in your client's interest not to reveal how slack their attitude and procedures are – but that's a matter for you. And incidentally, there will be no question of costs if you simply don't try to put any response or defence. The ombudsman's decision is binding and there'sactually no reason for you to get involved except to hold a dialogue with your client and tell them to get a move on. If your clients instruct you to get involved, then it will be completely unnecessary. This is not a contentious matter. There will be no need for an injunction if your client simply did what they were told by the ombudsman – which they will eventually have to do anyway. I'm preparing the form N322 to apply for an ex parte injunction as we speak. Legal proceedings for statutory breaches of FCA regulations and also the Data Protection Act will follow once your clients have complied with the FCA direction – whether they do it voluntarily or they are forced to by the court. So don't come back and say you didn't know about that either.   Regards,
    • Incidentally, at the point of sale or on a website or anything, do they make any claims in respect of the so-called arbitration service run by Alex?   By the way, could you give us the actual email address of the motor complaints thing? You seem to have misspelt it twice so far. Can you doublecheck please
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Help with returned items to brighthouse and arrears please


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Hello,

 

Any advice would be greatly appreciated please.

 

I had two items from brighthouse in October. One was a sofa which I returned due to the leather peeling off. I only had the sofa 8 months and was not willing to pay any more on a faulty item.

 

The second returned item was a buggy. It was just not suitable for bus use and I use buses every day.

 

At the moment I currently have a laptop and a mobile from them on HP. I called to make my weekly payment. My account is always up to date, and the store manager told me I had arrears from October for the sofa and pram.

 

The manager stated there had been a charge back on my account which is news to me as I have been paying my weekly payments every week with no one informing me of this until 2 days ago. I have never asked for a charge back from my bank. I did cancel easy pay when I had issues with my faulty sofa but I called to make weekly payments over the phone instead.

 

The problem is the manager would not accept my weekly payment for the items currently in my possession until I pay the 'arrears' from October on items I no longer even have.

 

She has forced my account into arrears. I want to pay for what I have. To be honest I feel like just giving they items back now.

 

Do I have to pay 'arrears' on items I gave back? And 'arrears' no one told me about as I have been making my weekly payment every week.

 

The manager was so patronising too. Stating I must pay arrears before she will accept my payment for the current items and then she will "help me manage the debt on my account" when as far as I knew I had no debt.

 

 

Thank you for your help.

Edited by sj2211
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simply handing items back does not necessarily cancel an HP agreement...

 

 

when did you take the items out?

when did you return them?

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 took the sofa out February 2016, returned October 2016 due to item being faulty.

 

Buggy I only had a couple of months as the breaks kept un-clipping during bus journeys.

 

In brighthouse terms it states if items are returned all arrears will be removed.

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So you have the section 90 cancellation letters from them?

I think you need to read a few threads here to understand how these companies work

 

You pay 3 times the market value and hidden insurances

On HP items that don't need insurance at all under the HP rules

 

Send them an sar and get all the statements

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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Hi,

 

No I didn't get a section 90 cancellation letter. I had to sign paperwork stating I surrendered the items.

 

No I'm not completely sure about their insurances? I have Osc and Dlc. Can I claim the Osc back even if I have given the items back?

 

Thanks for the advice about the Sar, I shall do that. However my question was about arrears I knew nothing about occurring almost 3 months ago and the manager demanding payment on items I no longer have, and not allowing me to pay for what I currently have until I pay 'arrears' from October.

 

Can you advise me on that at all? Thanks

Edited by sj2211
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Also on their website it states 'no quibble returns' when you can return an item at any point for any reason with nothing else to pay.

 

So why say I have arrears on items I no longer have and I have been paying my account weekly since with no one informing me I have arrears.

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Brighthouse store staff are a nightmare to deal with and customer relations arent much better but fir now i would suggest calling customer relations and obtaining clarification as to why, if the items have been returned should you have any arrears, it would help if you quoted from the terms about arrears being removed.

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Hi,

 

I called customer relations on Saturday. They were pretty useless and said they don't know why I have to pay arrears on items I no longer have. I did mention their terms and conditions and they told me they would need to investigate.

 

I just posted the question on here so that I am a bit more knowledgeable when they do get back to me.

 

The manager was really threatening too, constantly saying 'when will you pay these arrears. The system won't allow me to take your weekly payment until you pay them' she was very pushy and forceful. She has now forced me to become in arrears with my current items.

Edited by sj2211
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Hope that was not a voluntary surrender document

As if it was

You are still liable for the whole sum

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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you are not liable for any penalty or arrears fees no.

 

 

but you have to understand how these companies work

which is why certain things have been asked.

 

 

dx

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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Thank you. Yes iv been silly and very naive. It seemed like a good idea at the time. I am going to give them back everything I have to be rid of them altogether.

 

Can I claim Osc back on terminated contracts?

 

Also my sofa was faulty and I paid 8 months towards it. Can I claim anything back regarding it not being of satisfactory quality?

 

X

Edited by sj2211
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Good Morning,

 

I would like the opportunity to look into this for you, can you please contact our customer relations team on 0800526069 or alternatively email us at [email protected].

 

I look forward to your response.

 

Kind Regards

 

Rahul

 

(BrightHouse Customer Relations Web Team)

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She has already contacted customer diservice and got exactly nowhere Rahul.

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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Hi Rahul,

 

I contacted customer relations on the 31st. They were not much help.

 

I want to pay my account for the items I have but they won't allow me too.

 

Apparently I had a charge back (which I never requested with my bank. My bank automatically applied this when I cancelled easy pay without my knowledge)

 

I actually called the store one week in October to ask if my account was up to date as I had more money in my bank account than expected and brighthouse replied "yes all is up to date"

 

So regardless of how I came to have 'arrears' I no longer have these items so surely I am not required to pay the arrears, osc and dlc on items I returned!?

 

Thank you

Edited by sj2211
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You are correct that you can return items any time you like without penalty but the staff can and will tell you anything to get money from you.

If you can do without the goods you have then i strongly suggest you return everything and reclaim every penny of osc/dlc and 5* service cover plus interest.

I will happily help you put it together.

Worth sending a SAR to get all the statements if you wish to reclaim

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:

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Hello Martin2006.

 

Thank you that would be great if you could help me put together a letter and SAR. Very nice of you. :-)

 

I have two items packaged and boxed to be collected today. I am keeping one laptop as I gave it to my daughter for college and all her important work is on it. I have paid just over one third on this laptop which was refurbished, not new.

 

I have told them I am not paying any arrears on items I do not have but I want to keep my account up to date for one item. They won't accept my payment so my account is falling into arrears.

 

x

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Could you transfer all your daughters work onto an external hard drive or span it across several USB memory sticks? 32 Gigabyte sticks and larger are now relatively cheap as in around £8.50 on Amazon, 64 Gig £15? Then you could return the lappy, and replace it with something from the money Martin will help you recover. Just a thought, then you are completely free of these purveyors of overpriced goods.

We could do with some help from you.

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Hello,

 

I wouldn't even know where to begin by transferring things from the laptop.

 

Also my daughter doesn't know it's from Brighthouse, and as she's 18 and not home much I would have a hard time getting it from her!

 

I wish I could send that back too trust me

 

x

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There are template SAR letters in the library SJ, they just need a little adapting but i do have one i used for BH which i can redact and post up if you need me to.

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:

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Yes, just edit to suit that you require all information they jold on you from all accounts and agreements held both as Brighthouse and also Crazy Georges (Dont include the crazy Georges but unless you had agreements frim back then.

The letter is to be addressed to Caversham Finance Ltd.

 

Ill just go find the address, 2 mins.

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:

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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:

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Once you have all the info from the statements we can then work on producing some spreadsheets to get reclaiming all that useless insurance they force on you.

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:

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