Hi. Had a letter yesterday from ACS:LAW demanding £500 for a file they say was illegally downloaded and distrubuted. (Uploaded). They showed evidence from BT that the file was downloaded from my IP Address 1 year ago. Several people have access to my PC but all have stated they did not download this file. Basically feeling sick to my stomach, depressed, suffer with clinical depression anyway. Searched long and hard for this file on my PC can't find it. Because of very low income I cannot afford £500. In the meantime suicidal comes to mind........

Thanks very much clemma, I'll get right on it. Plumberjon - thanks again for your reply. I dislike any media attention (little shy lol) but I tell you what. If I can't get anywhere with these people (Brighthouse) and get a full refund of DLC then I'd be happy to take this as far as possible, including using the media. So please bear with me and watch this space, lol. Thanks very much all.

Wow!! Awesome speed on replying, lol. Thanks very much. Well this is the approach, and they used it more than once I can tell you. They insist that if the Home Contents Policy doesn't cover HP "Interest" then I "Have" to take out DLC. I could never reason this out with them and I have always been forced to take out DLC on all my agreements despite showing them proper contents cover. As I said earlier, they actually telephone the Insurance company in front of me, lol. In fact I have recently taken out another HP agreement with them, and am paying a ridiculous amount of DLC when my contents insurer states that they will cover HP items (Obviously apart from interest). Anyway thanks for your reply, much appreciated. =)

RE: Brighthouse DLC. Here's a good one for you, lol. Whenever I have purchased an item from Brighthouse they have forced me to take out DLC, even though my insurance covers fully any item in my property, including HP. They isnsist I show them my House Contents Policy, which I do. They then phone my insurance company in front of me and ask them, "Do you cover the interest on hire purchase agreements". Obviously no insurance company would. They then tell me my insurance is not good enough and I have to take out DLC. So even with house contents insurance you can't win I guess?