Paying bright house

[SheWhoMustNotBeNamed95]

Can somebody give me some helpful advice please and not just criticise me.

Since covid 19 broke out my children's dad's work has really dried up. He's a self employed mechanic, he usually gives me £150 per month child support for 2 children. He's unable to pay now, so I am having to prioritise other bills ahead of brighthouse.

I've missed 2 payments with them which is £40, they are hounding me. I've explained the situation and they've given me until later to come up with a plan to get my account back on track.

How can I get them to be reasonable whilst we're in the current crisis?

Aren't they in receivership?

regardless tell the parasites to fuck off and take you to court

Im sorry your in this situation OP

Do you know when you can pay them? Even partial? Have you asked for a payment plan?

Unfortunately this company are not known for their care or compassion. Situations such as this where their income and revenue source may be restricted as so many customers face hardship may cause them to be even more aggressive.

If i was you I would be 1- seeking a reduced payment option and
2- be transparent on what you can and when you can pay

They've gone into administration but the last thing I want is them banging on my door harassing me it's bad enough how many times they ring

This is a bill I would continue to ignore until the bailiffs are literally at the door.

Bright house has gone under and the administrators will need to decide who to pursue and how much money to spend trying to recover. Meanwhile, you lose any guarantees or repair cover. Don’t feel bad.

Block them

Can he reduce cms to 40 for the foreseeable and use this to pay them? Is he looking for alternative work?

They can't bang on the door it's a pandemic

Yep, I'd go with blocking them for the foreseeable.

The official receivers are owed the debt now.
Wait until they contact you.
Ignore BH and any agents of, they won't take you to court the worst they do is badger you and threaten.

The Money Advice Service has lots of guidance on what to do in regards to the collapse of Brighthouse.
www.google.co.uk/amp/s/www.moneyadviceservice.org.uk/en/articles/what-happens-now-brighthouse-has-gone-into-administration/amp

My kids dad will give me some money when he does have some I'm pretty certain but I definatley don't want to put any pressure on him at the moment.

I will go with just ignoring them for now and hopefully they get the message I've explained I can't pay at the moment but still ask if I can lend some to make a part payment.

Thanks for your advice I will keep the curtains closed HAHA

Don't let anyone in! Bailiffs are like vampires, they can't come in unless you invite them!

OP, I would call one of the debt advisors to handle this for you and discuss with them affordable repayments.

Tell the caller that you are seeking debt support and ask them to put the account on hold for 30 days while you arrange support. Keep it short and factual with them. Explain your change in circumstances and ask them to cease the calls and that you or an intermediary will contact them in one month with an affordable arrangement.

If the luck continue to call, ask them for their complaints email as this is creditor harassment.

Honestly, don’t deal with them at all - don’t accept the debt.

Probably not the most advisable as it might be different for different people and how much you owe but I know if you have paid I’m sure is a third of the cost they can’t get bailiffs or do anything apart from pester you which is annoying Cos after a while of not answering your phone they will start to knock on your door but it’s not a bailiff that comes to the door it’s literally just someone from the shop itself that comes to your door. I know this from past experience and with all this corona going on they might not even come to the door.

Basically I got something with them and then my other half lost his job and wasn’t entitled to any benefits because I Was told I earned to much on a part time wage for him to get anything to we had to prioritise other bills and sadly brighthouse wasn’t one of them, they rang numerous times everyday till I blocked the number then the women from the shop who sorted the item out for me came to the door everyday and used to sit outside for about 10 mins after knocking on the door I never answered and I’ve even walked out the house when she had been sitting there in the van and point blank ignored her. They can’t do anything. Then it all just stopped after about 2 month of that and I checked my credit file and they had put on that I had paid it in full. Don’t know if that’s to do with me paying more than a third for an item, or because they collapsed but either way I havnt been pestered since.

Don’t worry about it all feel bad they charge stupid interest for items so more than likely it’s just the interest you are paying now anyways. Just ignore them there is nothing they can do.

Hope your kids dad finds some work soon and stay safe x

You are still legally bound to pay for your hire purchase agreements regardless of the company being in administration. They have to show you forbearance at this time. Tell them you are seeking financial advice from CAB they have to give you 28 days breathing space to do this. It doesn't stop any arrears mounting but they should be able to help you to re start paying once you have sorted out your finances. By stopping paying them altogether will only impact your credit score in the long run

It's a hire purchase agreement, if you had a car on HP and the company went into administration would you expect to keep the car and not make any further payments? No! The administrators become your creditors the terms you signed for when taking your agreement remain exactly the same as do there obligations to you. Under FCA guidelines they have to treat you fairly by simply ignoring them you are not giving them a chance to help (which they will).

Well said, @uhoh2020

By ignoring the calls, the OP runs the risk of further fees and a CCJ.

Some breathing space for a month with a debt advisor will cease activity and the administrators will help to come to an affordable agreement.