Hi everyone, I need a bit of information in regards to Brighthouse. My girlfriend has got a few things from them and pays around £140 per week. A few weeks back she missed one weeks payments due to not having the right amount. She walked into her local store to pay the missed weeks payment as well as the payment that was due. The member of staff informed her that there was a £20 late payment charge to be paid on top of what was owed. She said she is not going to pay it and walked out the store. She phoned me and explained what had happened. I said to her that she did the right thing, but go back in and pay the money that was owed on the account. When she walked back into the store, the branch manager tried to force her to pay the £20 charge or he will not accept the money for the account. She argued with him and he called his area manager. After a lengthy conversation he put the phone down and told my girlfriend that she did not have to pay the £20 charge. Last weekend my girlfriend had the same problem only this time Brighthouse and the store manager were using dirty nasty tactics. She missed a weeks payment and the store manager came out to her house. He told her that she has to pay a late payment charge of £20 or he will not take her weekly payments and that she will have a visit by bailiffs to remove her goods. She told him to leave her property straight away. She was quite shaken by this and called me straight away. I was raging with fury after she told me what this idiot had told her. I know quite a bit about bailiffs and what they can and can not do. I reassured her that no bailiffs will come and remove her goods. He left her his card and told her she has got until 14:00hrs to pay the amount with charges. I told her to go to the store with a friend(I live in Portsmouth, she lives in Birmingham otherwise he would of been dealing with me) and take the digital voice recorder that I gave her a while back and ask him why he will not take her payments. She walked into the store and asked the branch manager if he was prepared to put in writing why he will not take her payments. He refused to do that and that she could contact head office and speak to them. She asked him if he was willing to take her payments and he replied no. She walked out of the store and called me straight away. I told her that she should never speak over the phone or deal with brighthouse face to face and never sign anything and that she should put a video camera by the front door in case they ever come back to the house. What I would like to do is write a letter to brighthouse about what this store manager has said, also to the OFT and FSA but I am unsure of what to put in it. Has anybody else had this problem with Brighthouse. Any help or advice of what to put in this letter would be most appreciated.

That's the same letter I had sent through to myself Millitant. I am in the process of sending this to OFT. I have every intention of ignoring these parasites.

Hello everyone, Iv'e just joined CAG and would like some advice in regards to MMF. I have a lot experience in dealing with DCAs, I just ignore them if I'm honest as I know they have no legal powers to enforce any debt or judgement, however, today i received a letter from MMF stating that they want me to contact them within 7 days to make a payment or they will lodge a CCJ against me. The debt is with quick quid for £492.00. I am not disputing the debt and I have every intention in repaying once I am in employment. I will pay QQ but not MMF. I have no way of scanning the letter so I will type it out word for word and see what people on here make of it. I just believe its a scare letter, but I might just be wrong on this occasion. Anyway, here goes, FORMAL NOTICE OF LEGAL ACTION DATE 16/05/12 Dear Mr XXXXXXX REFERENCE XXXXXXX DEBT BALANCE£492.00 DEBT QUICK QUID PAY DAY LOAN ASSIGNED TO MOTORMILE FINANCE LTD Despite numerous attempts to resolve this matter amicably, you have chosen not to contact us. UNLESS WE RECIEVE YOUR PROPOSALS FOR REPAYMENT WITHIN THE NEXT 7 DAYS, then we will issue COUNTY COURT legal action against you. This will increase the size of the debt due to legal costs and interest. After obtaining a CCJ against you, which will be recorded against your credit record, we will enforce it by: INSTRUCTING BAILIFFS TO SEIZE ASSETS FOR SALE AT AUCTION; AND OBTAINING AN ATTACHMENT OF EARNINGS ORDER AGAINST YOUR EMPLOYER. If neither of these enforcement methods result in payment, we will have you summoned to court for questioning under oath(ORAL EXAMINATION). Please note that if you fail to turn up for any such hearings the court may, ultimately, issue a warrant for your arrest and sentence you to prison for a short period of time (typically 7 days). Please note that this a standard letter and the matter has now been placed into our legal process. If you reside outside of England and Wales legal jurisdiction, separate (but similar) legal processes will apply(e.g Northern Ireland and Scotland). IF YOU HAVE ANY DOUBTS AS TO THE MEANING OF THIS LETTER YOU SHOULD CONTACT THIS OFFICE IMMEDIATELY. We reserve the right to rely on this letter when the question of legal costs arises at court. NO FURTHER NOTICE WILL BE GIVEN Yours Faithfully MMF. Thats the letter in full, my instincts tell me it is nothing more than a scare tactic. I just wan't a second opinion from members of CAG incase my instincts are wrong. Oh and for the record, they have fallen short on their promises to send out doorstep collectors. They have been writing to me for quite some time, as well as other DCAs threatening door step visits and iv'e not had one. Any feedback from this letter would be much appreciated, Thanks