is it a sensible option- brighthouse

Tixy

Where have you applied for credit and been turned down by?

Do you know why you were turned down? do you have problems on your credit file? or a lack of credit history?

How much could you afford to repay a month towards a new washing machine?

I definitely wouldn't use brighthouse. If you did decide to buy a new machine and felt you had to use credit then one of the catalogue companies such as littlewoods would probably be a better option (the machine will still be overpriced but would cost you less than brighthouse overall and would be easier to deal with if you did have any issues with repayments).

mato198808

Tixy wrote: »

Where have you applied for credit and been turned down by?

Do you know why you were turned down? do you have problems on your credit file? or a lack of credit history?

How much could you afford to repay a month towards a new washing machine?

I definitely wouldn't use brighthouse. If you did decide to buy a new machine and felt you had to use credit then one of the catalogue companies such as littlewoods would probably be a better option (the machine will still be overpriced but would cost you less than brighthouse overall and would be easier to deal with if you did have any issues with repayments).

It was Curry's and also littlewoods as they apparently are an easy company to pass checks with.

I couldn't say how much I could put by, as there's always something we need, but if I have a credit agreement the money is set aside. Sounds silly I know, just a mental mindset

Oh and no, no defaults I don't think. One late payment but as I changed jobs and payday changed

[Deleted User]

Even the Buy now - pay in 6 months, on the Argos Card, would probably be a better option than BH.

I_Can_Haz_Job?

British Heart Foundation and Salvation Army have furniture stores that sell electrical goods very cheaply. Also there's reclaim/recycle organisations that give away unwanted appliances - I live in London and we have this http://www.londonreuse.org/. I've never used Bright House but they have a pretty rotten reputation so personally I'd steer clear.

Tixy

That is a shame about littlewoods as they usually are easier than most lenders. It could be your self-employed status and I assume you have a relatively low income figure, plus your other credit commitments.

I still wouldn't use brighthouse, not just because they are very expensive but also due to the high numbers of people who report issues with them, even if it meant having to use a laundrette for a few weeks, or rent one for a short period.
Is your partner able to increase her working hours and hope you may be able to save up over a month or so?

BP1987

Tixy wrote: »

I still wouldn't use brighthouse, not just because they are very expensive but also due to the high numbers of people who report issues with them

You only have to google Brighthouse and you will be overwhelmed by the number of horror stories. Have you tried any other catalogues JD williams or see if your partner is eligible?

[Deleted User]

Tixy wrote: »

even if it meant having to use a laundrette for a few weeks, or rent one for a short period.

Renting a laundrette is a bit extravagant, don't you think?

[Deleted User]

Have you tried your bank?

And before someone says it, I know banks don't sell Washing Machines.

ETA: Have you tried ASDA?

If you can pass the Credit Checks, you could get a £230 Washing Machine, interest free for 6 months.

That's £38-33pm.

Owain_Moneysaver

Credit union?

And if you're a repairman couldn't you repair a second-hand washing machine if it needed it?

Herzlos

I_Can_Haz_Job? wrote: »

British Heart Foundation and Salvation Army have furniture stores that sell electrical goods very cheaply. Also there's reclaim/recycle organisations that give away unwanted appliances - I live in London and we have this http://www.londonreuse.org/. I've never used Bright House but they have a pretty rotten reputation so personally I'd steer clear.

I'd do this; if you're an electrical repairman you should be OK to keep an old machine going until you've saved up for a new one.

If you go brighthouse you'll pay about double for the machine followed by huge interest, and I'm sure the weekly fee isn't so low as to rule out getting one from gumtree.

As a temporary measure, is there anyone who'll let you use their machine a couple of times a week? Even if you hand wash and take it to dry.

Anyway, brighthouse as an absolute last resort, because you'll get shafted something awful.