Bright House credit agreeement

[Deleted User]

As has been said already if the benefits are either ESA or PIP they don't run out you are re-assessed from time to time, however you took out the deal expecting them to run out and now you want to blame bright house for allowing you to buy from them?
You don't seem to have answered the question as to how long the HP agreement was for, if you have paid half the payments you should have the right to return the goods and stop paying for them, although I suspect thats not what you want to hear
Forget what someone told you on a cold call they aren't working in your interest only theirs.
Basically bright house operate a rent to buy scheme.
My advice would be to see if you regain the benefit you say you have lost before taking further action.
Sorry most of that isn't what you want to hear OP

Clive_Woody

Welshguy40 wrote: »

I assumed that the benefit would continue...

Not sure if I am missing something, but didn't you say that you knew the benefit would be ending before you signed the agreement...and you told them this?

Welshguy40

The benefit letter stated an end date. I assumed like other people have mentioned that it would be reviewed and this was not the case and I have had to apply again.

I did point this out to them together with my health issues.

I did not come in here for sympathy but certainly didn!!!8217;t expect people to more or less accuse me of trying to rip the company off. I only asked for advice as I was advised by a third party the company did not follow correct procedure.

I think some people should read the etiquette guide as I found some of the replies extremely hurtful. I am classed as a vulnerable adult so I can only hope you regret your comments.

I am honest and I hate being unwell and I am just grateful the FOS are going to help.

Hoogle

I don't think you have a case on affordability I do not know the company in personal sense it is 1 I would stay away from. But I believe they are the ones that provide credit to people even with no income as you have to supply 1 or 2 guarantors so whatever you couldn't afford they would have to pay it.

If i took a loan out with a good income but lost my job the following month I couldnt go back to the bank and claim they shouldnt have given me the loan on affordability.

However you may have PPI claim as they are 1 of the notorious companies that do prey on vulnerable people especially the poor. You do not need a 3rd party company to sort out mis sold PPI just google missold PPI letter template and forward that to Bright House with your details.

SnowTiger

Welshguy40 wrote: »

The benefit letter stated an end date. I assumed like other people have mentioned that it would be reviewed and this was not the case and I have had to apply again.

I did point this out to them together with my health issues.

PIP is always awarded for a specific amount of time. Claimants are invited to reapply about a year before the end of their current claim.

What you're saying is that PIP shouldn't be included in affordability assessments for credit. If that were so, it may prevent a lot of disabled people from getting credit.

Even the government allows income from PIP to be used in affordability calculations.

People who sponsor family from abroad to come to the UK are exempt from financial requirements set by the government if they receive PIP; however their income must match Income Support rates to support themselves and their family. Income from PIP can be used to reach that figure.

What can you do about your problem with BrightHouse? Complain. Details here.

If you don't like their response or they don't reply within eight weeks you can take your complain to the FOS.

John-K_3

Clive_Woody wrote: »

Not sure if I am missing something, but didn't you say that you knew the benefit would be ending before you signed the agreement...and you told them this?

Yes, he’s seemingly altering the story to try to make the facts what he wants them to be.

Welshguy, none of the replies here are disgusting, people are helping you out with good advice, and trying to point out to you that if you thought that the payments were affordable then Brighthouse could not know any better.

Your attitude, I am afraid, stinks.

molerat

Damned if they do, damned if they don't. Irresponsible lending or disability discrimination.

jimbo747

Keep pushing the mental health thing, will get you out of any financial commitment.

I thought it was taken as a given that if you have any debt you must have mental health problems?

smithers1981

Think anyone who uses Brighthouse has some sort of mental illness or deficiency.

John-K_3

I know that people will always pop up on threads like this and explain how buying from Brighthouse actually makes sense, but I really can!!!8217;t see how that is ever the case.

For televisions, games, beds, and the like then clearly there can be no actual need, only ever a want, but even for cookers, washing machines etc. there are sites such as freecycle.

Back when I was poor, I would never have dreamed of buying items like this new, let alone at such inflated prices. What has happened nowadays that this has become seen as acceptable?