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Hi all,

i'm contacting you on behalf of my Sister who's got in to financial trouble with Brighthouse through no fault of her own and is now unable to pay them but doesn't want to hand back the items as they've paid a fair bit off of them!


Now, they've been with them for about 6 years and I have all of the contracts available to me

I'm hoping that the SAR shouldn't be needed and I can proceed with a claim on their behalf.


I'm just wondering if anyone can point me in the right direction on what to write to them,

what to put in the letter and where to send it?


To be honest i'm annoyed as hell at Brighthouse as they've let my Sister get in to this situation without any regard to her being on benefits and issues with benefit caps, rent, the lot as just last year they allowed them to walk out of the store with around £70 p.w worth of debt including the OSC & DLC,

all within a month or so of each other and 2 of the items on the same day!


I'm hoping that with any refund of OSC & DLC that they get 'should' clear their outstanding debts with Brighthouse and also possibly give them a little cash to help them with rent issues they're having as well.


My Sister did have a company called [removed] dealing with the case but they dropped them sometime last year after Brighthouse called them to say that they were a cowboy firm and would stitch them up - my Sister didn't carry on with the claim


now because of financial difficulty i've decided to step in and help them as much as possible to claim back what's rightfully theirs because then my Sister knows that no matter what Brighthouse say i'm not going to stitch her up and am acting in their best interests.


If someone could point me in the right direction towards what to do next or to point me towards any templates i'd appreciate it.


I will also be applying for all their late fee's to be paid back to them also if this is possible although I feel that the amount they've paid on OSC & DLC is an extortionate amount for which they'd be happy enough with if returned to them.


Just a little update,

the agreements she has (there's 12 of them) for both OSC & DLC total £3729.70 and the DLC alone is nearly £2499!

I've noticed though on 1 of their agreements for the TV that's been paid off fully that there is no mention of OSC or DLC whereas ALL other agreements do either mention both or at least DLC so we're at a loss as to why that is as the agreement was taken out in 2015 and they had other agreements before and after that date which had both OSC & DLC included in the breakdown!


Considering it was a 47" smart 3D TV I find it very strange to say the least so it's very possible I might have to SAR them to get the relevant info.


On the agreements which only have DLC mentioned there is no breakdown of the OSC

i'm unable to work that out,

does anyone have any idea on how to do this from the agreement totals or similar?


I also can't get my head around how to apply the 8% interest to the claimed amount because agreements were taken out over a 6 year period so obviously some items will have 5 years @ 8%, some at 4 years @ 8% and so on


I don't want to get that wrong when trying to claim against them and having them laugh at me for asking for too much in that regard!


Any help would be appreciated as i'm going alone on this mission at the moment!




- Another thing I noticed is that their interest rates are all over the place!

I've seen 29.9%, 64.7% and more recently 99.9% APR rates,


i'm guessing some of these are hidden 'service' charges and I have no idea how to break them down as there's nothing stated in regards to the extra services!


Any ideas anyone?

Edited by dx100uk
merge/tidy ..Ingram toft name removed

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items that have had more than 1/3rd paid cannot be repo'd and you should never hand them back.

they are classed as protected goods under the CCA and can only be repo'd with a court order.


now, TBH i'd stuff all the above you've written

far to much like hard work.


read this:



and fire BH off an irresponsible lending complaint.




although the above relates to PDL's it is equally applicable to BH.


much easier.



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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