bright house

loopychicken

im sure this is the rong place hopin it will be moved to the rite one

my friend got a tv from bright house in her name
her partner sold it an spent the money
she defaulted greatly on the repayments an styarted to recieve debt letters
they say that if she gives the tv back it will all stop but they dont know its been sold

bit more to the storie

her partner was violen he is an ex now
he kinda made her get the tv in her name he is black listed an he provided all the names of the people they ring to ask if the person is credit worthy

he sold the tv to a mate for a fraction of the real cost an never gave her a penny

the default happened when she had to flee for the safety of her child and herself

bright house do not know the tele was sold but in effect its been stolen

she will not report it to bright house or the police from fear
but if she says its sold any way she will be charged with theft

what i need to know as i have convinced her that she cant run away from this is has any one else delt with them in the same mannor

will she be formaly charged with theft

i know she has to pay the money back which she is willin to do

my plan is to tell them the truth but also say that surely for the time an money its gonna cost for them to take her to court ect... ist it better to come up with a solution now so that the friend can start to pay the debt of they will get there money back an she will be black listed

can any one offer any advise

thanks

Js_Other_Half

I've no advice as such, but I would suggest she contact CAB or a domestic violence charity such as Women's Aid http://www.womensaid.org.uk/ for advice on the best way forward. The DV charity I'm sure will come across this regularly.

Hope everything works out for her.

pinkshoes

The company just wants their money, and they can probably take her through the small claims court which won't cost them anything, so you'll have to presume that the company WILL persue it.

Ideally, can she not sell something to pay for it? Otherwise she needs to speak to someone at the company to assure them that she is willing to pay, and hope that they'll be sympathetic to her situation. The CAB will be able to help too.

Maybe suggest to your friend that in the future, rather than buying something on credit, to save up for it by putting the money in a high interest savings account. That way she'll avoid ever getting into trouble again!

loopychicken

my friend has no problem with paying the money back heself so she doesnt have to have the abusive ex involved she is just soooo worried that she will be arrested i have tried to tell her if we approach the company with the right mannor they may be sympathetic an think well were going to get our money back anyway so there is no need to put this girl threw anything else she can prove her ex was violent an that she had no option in l;eaving the home they shared what she wont do is tell them he took it an sold it because she is scared of the repercusions from him which i can understand

i was hoping someone else may have had this predicament an help before we go to see them

i know this company can be hard faced just hoping that they will be sympathetic

Clive_Woody

I would say your advice is best. The head in the sand approach is never to going to work, she needs to deal with this, and do so as soon as possible.

I think there is next to no chance she will be arrested the police really would not be interest in this sort of thing. Worst case scenario the company take her to court to recover the money owed and this will obviously affect her credit rating for the future.

Best advise I could give would be for her to call the company and explain the whole situation, don't try and make up stories or invent things. Be open and honest, no need to go into great detail about her ex, but explain the TV is gone with no chance of recovery and that she wants to pay the outstanding debt.

Bottom line, the company will want their money back with the minimum of effort. If your friend phones them up and says she is quite happy to pay and gives them an idea of how much she can afford to pay back each month (again be sensible) then discuss this with them. Hopefully some common sense will be used, they will agree a repayment plan and she pay off what is owed with no need for court actions.

pinkshoes

to be honest, I don't think the company will care where the tv is now, they'll only be interested in the money, and so long as she can pay it, then i very much doubt she'll get arrested!!

If she can pay all the money straight away (i.e keep up with monthly payments and pay the ones she missed immediately plus interest, OR pay off the whole debt), then she should ring the company NOW and pay it, then it's all sorted.

loopychicken

your right clive she has told so mant stories an i only know to well you cant run away she is only young an im hoping that this will influence her alot in her descisions as she starts re-building her life

as the company is only in the next town were going to see them tomorrow
and even tho this sounds daft im kinda glad she will have a poor credit rateing as it will hopefully preventy her from getting in to more debt she almost has all she needs as in for her new house an i have helped her balance out all her bills so she pays the same each week an knows where she is at an how much spare money she has

why does it allways seem easier to help others sort out finacial mess when you struggle with your own...lol

thanks all