optional service cover

jonbhoy_2

hi,my partner and i have had a few items from our local brighthouse store,at the time of the sale of our goods we were told we must take out the OPTIONAL SERVICE COVER, and we have also paid DAMAGE LIABILITY COVER on a few of the goods aswel, is this something we can claim back?
any help is greatly appreciated. thanx j

timmybear

jonbhoy wrote: »

hi,my partner and i have had a few items from our local brighthouse store,at the time of the sale of our goods we were told we must take out the OPTIONAL SERVICE COVER, and we have also paid DAMAGE LIABILITY COVER on a few of the goods aswel, is this something we can claim back?
any help is greatly appreciated. thanx j

You need to check you agreement. You are not dealing with your average furniture store here, and the two policies you have taken out are to protect the goods for the duration of the period that you owe money on them. It is very complicated, but the bottom line is that you don't actually own the goods from day one, unlike if you'd gone to DFS or Comet etc and bought items on their usual credit terms.

The policies you have are not PPI. Brighthouse has it's army of haters, who feel that the company makes it's money from the people in society who can least afford the goods, and that the insurances policies required add £££'s to the bill. This is quite true.

The counter arguement is that the people who shop at Brighthouse are of a poor credit background and are a huge 'risk', and that if Brighthouse didn't exist, the alternatives would be loan sharks and other undesireable lenders. This is also true.

There are no right or wrong answers. All I will say is that Brighthouse are not daft. They know what they are doing. You may not have needed the insurances you bought if you were able to prove you already had home contents insurance etc but they should have gone through all that with you at the point of sale.

I used to work with an ex-Brighthouse salesperson. He said it is all about the weekly price. He said the average customer was not interested in how much the ticket price was or how long the finance was to run for, or what else was added on. It was all about the weekly amount.

boogiemaster

Email head office and tell them you were forced to take optional service cover and you want it removing.

Head office will phone you and tell you to go to your local store where the manager will print off new agreements for you to sign.

This happened to me when I complained and although they never refunded the cover they did pay off two agreements for me

dunstonh

Email head office and tell them you were forced to take optional service cover and you want it removing.

I am not going to make any judgement on the likelihood of success. Just an observation. However, I do feel that a complaint saying that "you were forced to take optional service cover" does not sound right. It is clearly indicated as optional and you are effectively saying that you knew it was optional. So, how can you be forced to take something that is called optional?

You should still raise the complaint as mentioned above by timmybear and boogiemaster. Just be very careful on the wording you use as you could shoot yourself in the foot.