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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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I will put them on today.

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Hi,

 

Thank you for getting in touch, in order to clarify the payment terms can you please contact us on 0800526069 or alternatively emails at customer.relations@brighthouse.co.uk with your local store, post code, full name and date of birth please so that I can locate your details. If you do email us please quote your CAG reference number 318100 so that we can locate your details.

 

Rahul (Web Relations Team)

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that explains the option bit then...

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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What do you mean?

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post 25


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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The rate of interest charged will be 69.9%per annum

Apr 69.9%

Total cost £2496

 

Good Morning lills66,

 

I would just like to confirm that we received your email yesterday and the Head of Customer Relations will be in contact with you at some point today to discuss the APR with regards to your agreement.

 

Thank you very much for taking the time to contact us and we will be in touch shortly.

 

Please feel free to contact us at anytime on 0800 526 069 quoting your reference number and we will be happy to assist you.

 

Kind Regards,

 

Ren

BrightHouse Web Relations Team

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Good Morning,

 

Thank you for taking the time to contact us.

 

I hope i will be able to answer the questions raised and provide further information on our insurance policy and how the APR is calculated.

 

APR

We use a representative APR, starting from 69.9%, however some goods may have a higher APR. The APR is set at the date the agreement is created and fixed for the duration of the agreement, please note that your personal APR will vary and is based on your credit rating and repayment history. The interest is calculated daily and is based on the outstanding balance. This means that each weekly payment is made up of capital and interest. The interest payment would therefore be a bigger percentage of the weekly payment at the start of the agreement and a lower percentage as the customer gets to the end of the contract as the capital balance reduces. Please note that this is standard practice for consumer credit providers.

 

Insurance

Hire purchase agreement with BrightHouse contains an obligation to keep the relevant goods insured at all times against loss or damage caused by fire, theft or accident. You may have, or be thinking of buying, a household contents or other policy that will do this, which is perfectly acceptable. As an alternative, BrightHouse's Product Insurance Cover is available and 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.

 

In addition all customers who choose to take their insurance with BrightHouse also have the opportunity to change their minds within the 14 Days Cooling off period to cancel their insurance with us and provided us with proof of household contents insurance.

 

I hope i have been able to answer your questions. For further information please contact us on 0800 526 069 and we will be happy to help.

 

Kind Regards,

 

Ren

BrightHouse Web Relations Team

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The Apr on the day of agreement is 69.9% so that is my personal Apr then? Have never taken insurance as always showed household insurance

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"Legal and financial advisers are jockeying for position on the potential restructuring, with Moelis and PWC understood to be seeking appointment by bondholders." ; is it the case that BH don't really want the services of those firms, but may find they have no choice but to use them, and incur the extra charges and costs that will come from having no other option?.

 

Blimey, poor Brighthouse!.

I mean, that'd be unfortunate, and not at all ironic, wouldn't it?.

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Yes interesting reading! I've been very stupid by going to brighthouse I've learnt the hard way unfortunately :sad:

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Yes interesting reading! I've been very stupid by going to brighthouse I've learnt the hard way unfortunately :sad:

 

It is only "stupid' if you knew you had better options and deliberately didn't take them.

 

You may not have had better options, or you might now be availing yourself of better options that have since become available or known to you (like credit unions at a better APR, and / or reclaiming anything you can from BH!)

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The Apr on the day of agreement is 69.9% so that is my personal Apr then? Have never taken insurance as always showed household insurance

 

Morning lills66,Thank you for your reply.As we have your details we will be liasing with you via email as requested.Kind Regards,RenBrightHouse Web Relations Team

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Thank you, Rahul.

 

Lills, please let us know how you get on. :)

 

HB


Illegitimi non carborundum

 

 

 

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Morning

 

 

Will do HB! Thank you

 

I have worked out I think that we are paying back £2.28 per day.

My APR is 69.9% per Annum its all very confusing and mind boggling how its done

we have been great payers on all the stuff we have bought over the years

 

 

I have decided to send a SAR request do I send to Caversham address?

 

 

since looking into all of this I have decided that I don't want to carry on with having stuff from BH

I want the product to go back I think we owe about £1456 and I don't want them to have that money from me anymore.

 

 

can someone advise how we can do this properly without it costing us any more?

I have looked up the same TV and at Currys its £649 or different make £379.

 

I have been in touch with FOS so will see what they say.

 

This forum has been great thank you &

and if 1 person looks at this forum and changes their mind from buying from BH I would be happy with that!

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Afternoon Lills66,

Thank you very for the above comments.

 

 

If you would like to make a request for a SAR i can confirm that you would need to address this to the Customer Relations Team and post is to our head office,

 

 

please note that there is a £10.00 administration fee for any SAR requests.

 

 

I am sorry to hear that you no longer wish to be a customer of BrightHouse.

 

 

If you would still like to go ahead and terminate your account you can arrange this with your local store.

 

 

Thank you very much for your custom over the years we do really appreciate it.

 

 

Kind Regards,RenBrightHouse Web Relations Team

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If you appreciate their custom so much why not show it: provide them everything they'd get by an SAR, returning the £10.00 statutory fee!

BTW, BH aren't doing them any favours by dealing with an SAR, just meeting their statutory obligation.....

 

However, as an individual you have my respect:

you have a tough job coming here and trying to make BH look good

(well, even 'reasonable' if not "good"). Tough gig.

 

Is it "all talk" though :

multiple threads show the words aren't matched by equivalent deeds at the store / area management levels,.....

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I would be voluntarily terminating under the CCA every agreement and then claim back all the hidden insurances


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thankfully 69.9% isn't added to the SAR request.

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I would like to know if someone who has had arrears in the past what APR they paid compared to someone who has been a good payer because they only show 2 APRS online depending on what you buy.

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Yes I want to give TV back have nothing with them send SAR and wait

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Popped in to brighthouse told not a problem terminating so off the wall tonight for tv, pictures will be taken to prove in perfect condition just in case something happens after dropping off to store.

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Why not keep it lol... Youve paid enough...

 

While doing my research Ive found that the APR depends on the time you have the good for. Once again i repeat my above post :p

 

So lets do a comparative here...

 

Ive picked randomly the S7 edge which they do locked to Vodafone. Bear that in mind.

CPW offer the phone for 569.99 and you can claim a gear fit... No extra cost.

 

This device is unlocked from CPW.

 

The guys at not so "Brighthouse" off the bat charge £657 for the device. This makes them already quite expensive and you cant claim the gear fit. Its locked to Vodafone.

Then they add ServicePlus for £197 making it £854 for the phone before you even get to insurance. If you add in just the APR at this point 99.9% quoted on their site... The total cost becomes - **DRUMROLL** £1,365.00

 

Then the insurance they add which your are more undoubtedly FORCED to take at £3.53 a week.

The final cost of this phone over 18 months is.... Around about

 

£1640

 

 

Glad to see you have woken up :)


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Morning

We're taking TV back today we always pay Saturday will we have to make payment today? I'm sure you pay before you receive or collect tv.

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If you appreciate their custom so much why not show it: provide them everything they'd get by an SAR, returning the £10.00 statutory fee!

BTW, BH aren't doing them any favours by dealing with an SAR, just meeting their statutory obligation.....

 

However, as an individual you have my respect:

you have a tough job coming here and trying to make BH look good

(well, even 'reasonable' if not "good"). Tough gig.

 

Is it "all talk" though :

multiple threads show the words aren't matched by equivalent deeds at the store / area management levels,.....

 

sums it all up with this Brighthouse crowd, not Bright at all are they!?

 

this going back to the days of Home calls( back of van) collect weekly Blundells & Alexander Sloane etc etc in the 60s/70s and make as much as they can out of the vulnerable!


:mad2::-x:jaw::sad:

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