Jump to content


style="text-align:center;"> Please note that this topic has not had any new posts for the last 562 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

Hello I was wondering if anyone could possibly weigh in and give advice

 

First of all I take any and all responsibility for the stupidity of my youth and lending patterns it has taken a long time to admit that to myself!

 

Back in 2012 I opened a brighthouse account, I was 20 and a new parent (my son was about 8months old) and what I took out was a washing machine and cooker as I was broke as a joke in a new city with no family or friends.

 

I found as I kept going into store to pay they kept pushing items on me,

now I was heavily medicated at this time due to mental health problems on top of post natal depression,

yet they kept doing it with suff they knew I couldn’t afford but would love to have,

 

games consoles, a laptop, a big tv, phones it got to the point that they FULLY KNOWING I WAS ON BENEFITS, started accepting my boyfriends wage slips as MY proof of income, his name was not affiliated to the account nor mine to his wage slips, but they did it anyway (I know I have partial blame in tbh but I feel they had a duty of care to see it was wrong and that it could land me in debt)

 

by the time it got to 2014 I started paying via bank card and the payments had shot up to £94 a week, between Jan and April of 2012 I gave them over £1200!

 

I have put in a complaint to them for the second time after the ‘lost’ the first complaint I made a month ago!

 

I just feel like I needed to post my situation somewhere and ask if anyone else thinks they were in the wrong?

 

Thanks guys :)

Share this post


Link to post
Share on other sites

Without wanting to sound like I know nothing, could you please explain that to me as I’ve never heard of it and it could be useful to me!

Share this post


Link to post
Share on other sites

https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/

 

40 Days & 10 Quid later... You have everything from their system about you as an individual etc.

We have a template for a DSAR request in our library :)

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

Send it and youll get an idea of just how much you have spent with them etc

Edited by Andyorch
Link added

Share this post


Link to post
Share on other sites

That’s brilliant, thank you very much! I’ll do that right away, I’m really interested to know what I paid to them.

Share this post


Link to post
Share on other sites

sounds like an irresponsible lending complaint is the way to go here

we've just had a good 'win' against them with more to follow

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?484636-BrightHouse-cheque-received-today-after-complaint-advice-needed-please(1-Viewing)-nbsp&p=5095186#post5095186


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I’m going to keep my eye on that post , thank you and a great outcome so far!

 

It’s just such a scary process because companies can lie!

 

I sent them a complaint by email on the 10th of January I believe and I got an automatic response, but nothing after that,

 

then I called them on Monday as it had been so long and they couldn’t find the complaint,

 

got passed around to 4 different people and spent over 2 hours on the phone and ended up just having to make a new complaint over the phone so I KNEW they had it, but now the past month has been wasted waiting for nothing :(

Share this post


Link to post
Share on other sites

always best to WRITE to the CEO


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I have Just come across his email address (thank you for mentioning it I don’t know why I didn’t think of it)

 

I have sent him and email fully explaining the situation and the trouble that I have had with customer service/complaints hopefully I’ll get a responce! I’ll post updates here just incase anyone cares to know what happens!

 

I have also just won back £706 from sunny loans, and am awaiting a response from wonga and quickquid

Share this post


Link to post
Share on other sites

I have a quick question for anyone able to help,

 

I’m getting slightly worried about what the outcome might be despite the fact they were in the wrong,

 

what I honestly want is my money back,

 

however I never returned the items and never fully paid them (don’t have any of them anymore anyway)

 

am I going to be given a lot of trouble or are there other cases where people in my situation have been successful?

 

What am I likely to be offered as a resolution?

Share this post


Link to post
Share on other sites

Its up to Brighthouse... Its then up to you to accept.

But then again what you might get... youd know if youd read our guide here at CAG :)

 

It applies to you because of irresponsible lending :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69475

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...