Brighthouse family harassment

abi-em-mum83

I think people are losing sight of the issue, the op missed a payment and is now complaining about the consequences. Well unfortunately whenever you have any credit with anyone, you suffer a penalty when you miss a payment. Op has agreed to the terms and conditions, whether people want to argue over legal or not, and now is not happy when HE breached those terms and conditions. Why else did he think they were asking for 5 contacts! Maybe if the op came back and told us the person from Bright House disclosed personal information about the account, or threatened the contact that would be a different matter. But I suspect, from experience, they have merely called, explained who they were and that Mr Jones has given them as a contact and could they please get him to contact them on a urgent matter.
I dont like the fact that confusion over Scottish and English bank holidays caused me to be 1 day late with my credit card payment and I was given £12 late fee, which sent me over my limit, incurring another fee. But those are the terms I agreed to when I signed the credit agreement, so Im not going to beep on about being treated badly! If you dont like either dont shop there or dont miss a payment!!

DCFC79

First of all you missed a payment so you are accountable for that plus paying the £3 charge, how can they contact a family member who isnt named on the contract

MamaMoo_2

I have a contract with Brighthouse.
When I signed up, I was asked for contact details of 5 friends and relatives, who would be happy to be contacted as a) a reference and b) in the case of them being unable to contact me. They told me to make sure I had the permission of the people first. I phoned 4 references (the 5th was in the shop with me) to make sure it would be ok. The staff even offered to let me use the shop phone if I wanted.
However, since then, I have kept up to date with all of my payments, except for one week when I had been taken into hospital. They tried my mobile a few times, but I was unable to answer. They then popped out to my house, knocked the door, and my husband explained the situation. They apologised for calling round, removed the £3 charge, and told my husband to tell me to call as soon as was convenient.
I found this perfectly acceptable. When I next phoned up, the staff member asked me how I was feeling, and told me that they had applied a £10 credit to my account, which covered the week I had missed. They said this was because they like to "show loyalty to customers that show loyalty to them"
Geniunely couldn't fault this company.

Perfect home, however, are another story.

Pollycat

Mamamoo
that's a totally different side of the coin to the original post - which imho doesn't contain a lot of information other than the OP is annoyed about something he had control over.

You've told us that Brighthouse DO need potential customers to confirm that they have permission from the names they are giving as contacts.

Still no idea how Brighthouse managed to contact one of the OP's family who wasn't one of the 5 contacts though.

MamaMoo_2

Yeah. I was just pointing out that if you don't miss payments, they don't mess you around, and for a 'first offence' they're usually rather nice.
And yes, they did 100% ask me to make sure that I was happy with them contacting my references in cases of non-payment, and that I'd be happy with them saying "hi, this is X from brighthouse. Do you have any contact details for Mrs. Y that we can have? If not, can you ask her to call us" (I asked them to confirm what their calls would entail)
I said that wasn't a problem.
If they've got someone else's phone number, chances are that one of the friends/relatives gave it to them. I doubt BH can be bothered to snoop for relatives numbers in the phonebook etc.

Flyboy152

wealdroam wrote: »

How do you know that?

Have you seen the agreement the OP signed?

Do you seriously believe that five members of the OP's family would have signed loan agreements, promising to guarantee the loan? They have even been contacting people who are not even on the list.

wealdroam

wealdroam wrote: »

How do you know that?

Have you seen the agreement the OP signed?

Flyboy152 wrote: »

Do you seriously believe that five members of the OP's family would have signed loan agreements, promising to guarantee the loan? They have even been contacting people who are not even on the list.

Why do you answer with another question?

Are you unable to answer the question I asked?

Flyboy152

Forwandert wrote: »

The people on the list aren't guaranteeing anything, they are just extra people to contact to get hold of the person that is behind with payments, it wouldn't be possible for them to guarantee anything without signing and entering into an agreement to do that, the details are given to brighthouse by the person purchasing and its upto the purchaser to ensure the people on the list are happy to be on the list, wether they do or not is another story! if your on the list though wether you've agreed or not you will be contacted if payments aren't made and they can't get hold of the purchaser, if you point out you haven't given permission to the purchaser to pass your details to brighthouse they will just tell you when the purchaser comes in to clear the missed payments they can take your details off the system then..

Permission can not be given or denied retrospectively. It has to be given before the contract is concluded.

Flyboy152

shaun_from_Africa wrote: »

Let me put this another way.
Why don't you provide a link to some UK or EU legislation that states that it is illegal for a business to ask someone else if they know how to contact another person or to ask them to pass on a message. (at no point did I state that they could demand anything. I simply stated that they could ask).

You keep claiming that this is illegal, so I think it's only reasonable for you to provide proof of this claim.





I'm assuming that you have proof that this didn't happen.

Because the OP has said that they hadn't.

With my wife and I they don't bother contacting us first

Flyboy152

Pollycat wrote: »

I'm confused how Brighthouse have managed to contact a member of your family who wasn't named on your contract.

Did you ask all the family members you named on your contract if they agreed to being named and their contact details being given to a company that they themselves weren't doing business with?

If you didn't get their permission, I'd have been bloody furious with you for putting me in the position of a company chasing me because you had missed a payment.

Presumably because they had family members on their database, because they had been customers of this finance company.