Need Help Dealing with Brighthouse

[deano_uk]

hi Supacat, I would advise you not to accept the rewritten agreement as you would lose the amount of time you have had in your current agreement and the new rewritten agreement would not take into account your previous time in paying.

 

imo, after writing several letters and emails to this company, all of which were ignored, they only responded when I sent them email stating court action would commence. (some terms to search for this: letter before action, CPR)

[deano_uk]

hi supacat, no, not as yet, they have not refunded the money for both of their "insurances".

 

I had sent the company 6 letters and approximately 30 or so emails (all the same email) Everything was ignored until I sent them a letter before action.

Once they received the letter before action, they replied on the final day.

 

I am helping a friend who purchased from one of their stores. I have started a thread called 'Brighthouse Price Promise' and am updating that. It seems that court action is necessary in order to claim back the money paid for the both insurances and also to make an adjustment on the HP agreement to reflect their price promise.

 

I think there are templates somewhere on this site re letter before action.

 

If you need any more help, please reply here and I can try and help you, or more likely someone else with more knowledge will help.

 

I hope you will follow this through to the end and claim back all the money you have paid for the insurances!

[deano_uk]

To Brighthouse CEO,

 

I am writing in compliance with the Practice Direction on Pre-Action Conduct. Please regard this letter as a letter before action.

 

My opinion is that the payments I have made in respect of the Damage Liability Cover and Optional Service Cover should be refunded to myself. This is because I have my own home insurance that covers damage / theft (in the case of Damage Liability Cover). Now, turning to the Optional Service Cover, it is my opinion that the law states a retailer can not sell something to a consumer that the consumer already has in law. I see nothing in your Optional Service Cover (apart from the ability for me to return goods to yourself) that is not already covered within law.

 

I request that you refund me the total amount of money I have paid for both of these insurances.

 

I am giving yourselves upto 28 days inline with the Civil Procedure Rules to either refund the money in respect of the insurance payments in full, or provide your reason/s why you will not refund.

 

Now, turning to the late payment fees, I also request that you refund all late payment fees. I believe that these fees are unlawful and should this matter proceed to a Court of Law, I would request yourselves to justify your financial losses concerning my late payments.

 

Regards,

 

Disgruntled customer!

 

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The above is a quick letter for you, I hope that other people can add, change or make suggestions to it. I am no legal expert and I have probably made mistakes, left out some info etc...

 

Personally, I would only send them a letter before action if you have a 100% intention to follow it through and go to court... I dont wish to sound impertinent or cheeky or anything, but if you cant use CAG search or google search to research, learn and write your own letter before action, then you are unlikely to have any luck in court.