go to your bank and cancell direct debits mate

i took out my policy last year and made a point of deleting the auto renewal from my policy before i took out the policy while on the phone with an aa representative yet here i am with as you say an over priced policy but also a silver membership for breakdown cover £61.25 which the aa has already managed to set up direct debits from my bank account for both without my knowledge or authorisation. i have just sent them an e-mail and awaiting a call back at the moment. this happens to me every year. in fact when i cancel the direct debits at the bank which is the only way to stop them taking my money without my authorisation they then proceed to charge me for the full years policy that i didnt want plus cancellation fee despite having explained when i took out policy at the start that i did not want auto-renewal on the phone also i had unchecked the 2 boxes which ask if you want auto-renewal when filling out the forms. this is a [problem]. my advice cancel dirct debits at your bank but also check for secondary debits at the end of the policy and throw the letters in the bin. if they dont have your signature they cant legally hold you to it also online insurance policy's dont need a signature.

they must have a court order before they come to the door so ask them to stick it through the letter box. dont open the door to them till you have read it. they have no right to take your items back without it. the employees that turn up at your door are not bailiff's and have no power's at all. it is harrassement to turn up at your door or to ask for money by phone, and if they claim to be bailiff's that is fraud. a bailiff must have a court order and a police pesence i believe. this is stated on the cag brighthouse consumer fact sheet.

maybe someone can help with these figures: bush hi-fi in brighthouse shop priced at £175.55 at 29.9% apr = £228.04 [ brighthouse make it £252.72] over 156wks = 228.04/156wks = £1.46 per week [brighthouse are taking £1.62/wk ] optional cover = £0.87/week x 156 wks = £135.72 damage liability = £0.37/week x 156 weeks.= £57.72 therefore i make that £228 +135.72 +£57.72 = £421 total. yet according to annas statement in the post on 28/04/12 she is actually paying £5.73/wk less £1.24[for both covers/wk] which leaves £4.49/wk for the hi-fi making it £4.49 x 156 weeks = £700.44 for the hi-fi only which was originally £175.55 cash price. am i missing something here??????????????? they are also trying to force my partner [Anna] to pay for a broken couch which is covered with damage liability.. and have recently been to the house to reposses both items after repeatedly asking for it to be repaired.the payments on the couch are also suspect.

yip u have to have cover but not optional service cover. you can only opt out of the optional service cover before you sign the contract !! which you probably didnt read or was'nt given the chance to read. have a read of this. BrightHouse also appearsomewhat confused over the word “optional”. According to their own terms andconditions, “optional” service cover is an “option” to purchase at the time ofthe initial agreement, and cancellation thereafter will require 7 days notice.However, BrightHouse staff told us that “optional” means the option notto purchase the service cover can only be exercised at the time of the initialagreement and, furthermore, cannot be removed thereafter! from 1. CAG BRIGHTHOUSEConsumer Fact Sheet 2008