Brighthouse problems

[tea5e27]

Hi

 

Really need advice regarding this company.

 

 

I had an operation and contacted brighthouse a week before I missed my first payment. I always pay a month in advance and advised them that I would bring my account up to date the following month which was the 15th March this meant I would owe 4 payments by the time I brought my account up to date and paid my usual month in advance. I was then informed by a rude member of staff that I would not be able to afford to bring my account up to date. After many arguements I didnt hear from them for a couple of days. They then turned up at my home at 8:30pm and advised they were repossessing my items (this is after 1 missed payment) I contacted the store the following day and agreed that they could take my fridge freezer and dryer as I hadn't had them long but advised that I wanted to pay my account off completely on the 15th march. I went into store and was advised before they could give me a final amount I had to bring my account up to date first. I did this and was advised that to clear my account I needed to pay £198 but I had to give them 7 days notice. I gave the notice when I was instore and contacted them the following week and was then advised the final payment was 259 as they forgot to add my 3 laptop payements to the balance. After being on hold nearly 20 minutes I finally made my payment. I have just had bright knocking on my door again saying that they are here to repossess my stuff as I am now 2 weeks behind in my payments I have checked my bank and the money is still in my account. The brighthouse staff that attended said I would need to sign a form to give 7 days notice but when I was instore and given my final amount they did not ask me to sign anything. I advised I would check my bank and contact them back.

 

I rang them and advised that I called and made this payment2 weeks before and was advised the payment had gone through. I advised them that I would make the payment today but they refused to take it. They advised me I had to bring my account up to date and pay the late fees aswel then they will arrange to give me my final payment. I have refused to do this as I feel this is their mistake not mine. I advised I would be in tomorrow to pay £198 plus my last 3 payments on my laptop they said if I dont pay the late payments then they will not except this money. They are now saying that they are going to make arrangements to repossess my stuff. I only have 3 payments left on my laptop and about 10 payments left on my 2 other items. I advised that they are legally mine but they advised that because I have not yet paid the full payments they can come and collect them. Please can you give me some advice. Are they allowed to take my stuff and where would I stand if I leave it and let them take me to court Any advice would be fantastic

 

 

Many thanks

Edited March 29, 2013 by tea5e27

[tea5e27]

please can someone help me just been advise that they are coming for my items tomorrow

[Conniff]

So what is the exact total of the outstanding balance without any fees added and can you afford to pay this amount off in one go ?

[renegadeimp]

They cannot just turn up at your home. Especially at 8.30pm

[renegadeimp]

Also, going by your info, you have paid the vast majority of the items off, so they cannot "reposess" the items. What they are trying to do is trick you into giving them the items of your own free will. If they turn up again, tell them to get lost or the police will be called and they will be removed by force. Should you call the police, and they try and say to give them the items, stand your ground and DEMAND that a sergeant attends as the officers are clearly incompetent.

[bessy4]

BH can not refuse to take any amount of money you offer them they are just bullying you to pay the late payment fees, stand your ground.

 

As for them reposessing issue, renegadeimp is right......tell them to get lost and away from your property.

 

You don't say if you have their silly OSC & DLC, if you have cancel them NOW and get reclaiming them both.

[tea5e27]

They gave me my final amount of £198 I rang and paid this and two weeks later they turn up saying I didnt pay it. The girl I spoke to when I made they payment sounded like she didn't have a clue. I have checked my account and the monies didn't go out so I rang them back and advised I would pay the full amount and they refused the payment because I said I would only pay the 198 and not the late fee's he then said he would make arrangements to repossess my thinngs. I did tell him that I only owed 3 payments on my laptop and around 12 on the other items which were all took over a 3 year period so I only owe them pennies really to what I have already paid. They rang earlier and said they were coming for my things tomorrow I hung up after getting nowhere with them. I can't believe how I have been treated when I have been a customer for around 4 years and only missed a payment once. I have young children and when they attended today I felt embarrassed they treated me like I was some kind of criminal. I just hope they take me court and not harrass me at home I've had to change my number as they would ring constantly the week before my monthly payment was due to see if I wanted to pay earlier I wouldn't receive just 1 call I had 25 calls in 2 days I couldn't answer as I was in work

 

 

What a joke this company is I actually dont want to pay them at all after the way they have behaved!!!!!

Edited March 30, 2013 by tea5e27

[tea5e27]

Yes I can afford it and I have paid it once but because the girl who I spoke to didn't have a clue she messed up with the payment then lied to me and said the payment had gone through. I rang as soon as I checked my account to remake the payment but they refused and said I had to make 2 weekly payments as I was in arrears for 2 weeks and make late payments then they would recalculate my final payment but I would have to give them another 7 days notice. If it was my fault I would understand but I'm not paying for their mistake I even told them I would take in my phone records to prove I called them but they are not interested

[tea5e27]

they have never mentioned them to me they said I got cover with my items but dont know if I pay for them I was told I didn't have a choice as I didn't have contents insurance will certainly check this and get it cancelled

 

 

Thanks for your help guy's can't believe I am up this late because I'm worried about them coming round again tomorrow.

 

I better get my bitchy side to wake up and handle the situation hahaha xx