your right clemma, obviously they can still do what they want but we would not be where we are today without you. were not worried about them coming to the door as we know our rights, you are a godsend and i didnt realize angels flew so low. will keep you posted on anything else that happens. thankyou

thankyou for the advice its very welcome and greatly appreciated. thanks to clemma, lefty and plumberjohn we now know our rights so we are not worried about someone coming to the door. our only concern is the legal stuff. Im surprised that we had nobody from the store visiting us though, but saying that we did record a particular conversation with them and advised them of it and it was a serious issue.

things will eventually come back to bite brighthouse in the ass, just look at welcome finance, they are on the verge of going under and its down to there poor business model of ripping people off and of course.. bad accounting.

Just thought i would update my thread. Our last contact from them was 05th march when they put a caversham finance card through the door to ask us to call them or they would re-visit us. Seems atrange that we have had no contact from them since the christmas. Considering that we sent e-mails to ann healey, recorded letters to there head office and local branch, just seems a bit strange, maybe its the calm before the storm. is there normal practice??!!??

what a crock of crap, typical DCA trying to influence people to call and resolve there issues. The reason he has posted this thread is that people that have hit hard times due to this recession and are being chased for money have wised up to there tactics and thanks to the good people of this forum are armed with the information on how to deal with these infestations of society.

cheers clemma, i feel like i can always rely on you for sound advice. ill send off the letters and keep you posted. thankyou

Hi all As i stated on my last post we had not heard from BH but we came home yesterday to find a note placed through the letterbox from "Caversham Finance" requesting that we call the name on the card within 24 hours. We sent recorded letters to our local branch and head office stateing that we would only deal in writing. What they have done is completely ignored our request for all communication in writing, infact they have not even acknowledged our letters but just decidede to send someone round. If anyone can give me any help or advice on what steps to take i would be grateful.

Im going to send an edited version of the above letter and see what dribble they send to me. Thanks for all the advice and help, i will keep the thread updated

sorry for no updates. We have not heard anything from them for a few weeks now so am wondering what is going on at there end !!!

We have sent out cca`s to a number of companies (mainly Crap 1) to confirm if they have a copy of our agreements. None have been able to supply us with a copy and we have sent out the second letter to them all advising them of unenforceability. My question is; we have been paying dca`s an agreed amount for a few years but they if they dont have an agreement can we claim back any monies that we have paid to them.

thanks flyingdoc. will do.

Hi all Arrived home from work today to be greeted with an answerphone message from Bh regional manager. He has stated what we requested in our letter that we wanted to be dealt with by an area manager and has asked us to call him but he will call us on either our home number again or our mobiles. We stated in our letter that we will only deal with them in writing and that is how we want it to be dealt with; obviously this is so we have a paper trail and emotion is kept out of it. What steps should we take now.

well lets hope that clearing there own loans is ilegal and therefore giving more people the ammunition to send them to an even earlier grave

Its interesting that they carry this practice out with most customers. How would there current debtors be serviced if they were to go under. I presume that the debts would be sold on to banks.. ect ect

brilliant, it would be great if it is an ilegal practice as that would surely put welcome on its backside.