Brighthouse - Good or Bad?

[CleverClogs (RIP)]

Re: Brighthouse - Good or Bad?

Okay, then when a consumer signs a contract (I used to work for Phones 4u, I should probably know ) what would it be regulated by?

Because it's a financial agreement?

It's not a financial agreement apart, that is, from one having to pay a certain sum each month for line rental.

It should be a hire purchase agreement, as the cost of the latest 'phones is always more than the cost of older models.

[TibetanMonk]

Re: Brighthouse - Good or Bad?

A mobile 'phone contract is unlikely to be a regulated Consumer Credit Agreement.

Okay, then when a consumer signs a contract (I used to work for Phones 4u, I should probably know ) what would it be regulated by?

Because it's a financial agreement?

[CleverClogs (RIP)]

Re: Brighthouse - Good or Bad?

Also; SnV, if you request a copy of a signed agreement of the Credit Agreement, how long do they have before they have to provide it? Because my partner is disputing a vodafone contract, and hasnt paid it since it was started in december, however, Vodafone are stating that it was requested and signed for. However, clearly she didnt sign, we're asking for a signed agreement but they keep giving us the run-around, any ideas?

A mobile 'phone contract is unlikely to be a regulated Consumer Credit Agreement.

[CleverClogs (RIP)]

Re: Brighthouse - Good or Bad?

Indeed - and if you have paid 1/3 of the agreement, Brighthouse have a requirement to obtain a court order before removal of goods can be made.

In fact TibetanMonk - if Brighthouse have removed the goods from your friend without doing this, then my understanding is that the agreement is terminated and your friend may be entitled to make a claim against Brighthouse for a refund of all the monies paid until that point.

Correct.

See sections 90 (link) and 91 (link) of the Consumer Credit Act 1974. Section 92 (link) also applies.

[TibetanMonk]

Re: Brighthouse - Good or Bad?

Facebook have baby stuff pages too, my wife often buys cheap stuff on there for grandson yesterday she brought 6 new next tee shirts for £6

Thanks PF i'll have a look.

[pompeyfaith]

Re: Brighthouse - Good or Bad?

Loads of stuff on freecycle. You'll need to join first but you can also request stuff if you need things. As long as you word it nicely, people are usually really generous.

Facebook have baby stuff pages too, my wife often buys cheap stuff on there for grandson yesterday she brought 6 new next tee shirts for £6

[TibetanMonk]

Re: Brighthouse - Good or Bad?

Indeed - and if you have paid 1/3 of the agreement, Brighthouse have a requirement to obtain a court order before removal of goods can be made.

In fact TibetanMonk - if Brighthouse have removed the goods from your friend without doing this, then my understanding is that the agreement is terminated and your friend may be entitled to make a claim against Brighthouse for a refund of all the monies paid until that point.

Also; SnV, if you request a copy of a signed agreement of the Credit Agreement, how long do they have before they have to provide it? Because my partner is disputing a vodafone contract, and hasnt paid it since it was started in december, however, Vodafone are stating that it was requested and signed for. However, clearly she didnt sign, we're asking for a signed agreement but they keep giving us the run-around, any ideas?

[TibetanMonk]

Re: Brighthouse - Good or Bad?

Indeed - and if you have paid 1/3 of the agreement, Brighthouse have a requirement to obtain a court order before removal of goods can be made.

In fact TibetanMonk - if Brighthouse have removed the goods from your friend without doing this, then my understanding is that the agreement is terminated and your friend may be entitled to make a claim against Brighthouse for a refund of all the monies paid until that point.

Ooh, brilliant stuff! I'll let him know to register and ask here

[SaltnVinegar]

Re: Brighthouse - Good or Bad?

Only if you have not paid x amount back under a HP agreement. Usually, it will say once 2/3rds of it has been paid, they have no entitlement to remove goods.

Indeed - and if you have paid 1/3 of the agreement, Brighthouse have a requirement to obtain a court order before removal of goods can be made.

In fact TibetanMonk - if Brighthouse have removed the goods from your friend without doing this, then my understanding is that the agreement is terminated and your friend may be entitled to make a claim against Brighthouse for a refund of all the monies paid until that point.

[TibetanMonk]

Re: Brighthouse - Good or Bad?

And this is one of the things that Brighthouse play on - the majority of the time the people that come to remove the goods are NOT bailiffs, though they like to make out they are.

Hmm, interesting. Atleast now I know. not that I'd go there now after reading reviews and hearing things about them.

[SaltnVinegar]

Re: Brighthouse - Good or Bad?

Really?! I'm guessing that forms part of allowing bailiffs to enter property, as they have no legal right to do so, this waives their right to remove products?

I was under the impression that if it's HP, and you dont make repayments, they're legally entitled to take the item.

And this is one of the things that Brighthouse play on - the majority of the time the people that come to remove the goods are NOT bailiffs, though they like to make out they are.

[SXGuy]

Re: Brighthouse - Good or Bad?

Only if you have not paid x amount back under a HP agreement. Usually, it will say once 2/3rds of it has been paid, they have no entitlement to remove goods.

[TibetanMonk]

Re: Brighthouse - Good or Bad?

And if its a standard HP agreement (which it should be) they have no legal entitlement to do so....

Really?! I'm guessing that forms part of allowing bailiffs to enter property, as they have no legal right to do so, this waives their right to remove products?

I was under the impression that if it's HP, and you dont make repayments, they're legally entitled to take the item.

[SaltnVinegar]

Re: Brighthouse - Good or Bad?

I've definitely reconsidered that brighthouse, one of my friends did it, and he got to the final payment, and because he couldnt pay they took his item away aswell.

And if its a standard HP agreement (which it should be) they have no legal entitlement to do so....

[TibetanMonk]

Re: Brighthouse - Good or Bad?

Thanks SnV

I've definitely reconsidered that brighthouse, one of my friends did it, and he got to the final payment, and because he couldnt pay they took his item away aswell.

Definitely robbing the poor.

Moment of madness me considering it I guess.