I cannot afford to pay my Brighthouse Debt?

Many are worrying “they can’t repay Brighthouse Debt” and what solutions there are?

Falling into catalogue debt can be concerning and stressful. Don’t panic, there are ways to work your way out of debt.

Check out our comprehensive article here if you are struggling to pay UK catalogue debts.

In our Brighthouse Debt guide, we will explain whether your Brighthouse debts can be written off.

We will explore various personal debt solutions and whether you can get a CCJ for Brighthouse debt.

Many people in the UK have some form of debt, so you are not alone!

Keep reading to learn all there is to know about handling Brighthouse Catalogue debt.

I Can’t Pay Brighthouse Debt – What Should I Do

Do not ignore debts from Brighthouse because the debt will never go away until you set up a repayment plan or speak to a professional debt advisor.

When speaking to a specialist debt consultant he can run a disposable income check on your current financial situation and give you all debt solutions available in November 2024.

Some search “how to get rid of Brighthouse debt without paying” and depending on your financial history there could be ways to legally write off catalogue debts.

With just a few easy online questions you can see all options available from you here:

Can I Write Off Brighthouse Debts

Find Out More

While catalogues offer many enticing products, make sure you are only focusing on essential spending.

It may be tempting to buy products and make weekly repayments, however, if you can’t afford the high-interest rates, you need to consider whether it is worth it.

Getting yourself into debt isn’t something you want to do. It can impact your credit rating and make other financial matters more difficult.

Speak with a professional financial advisor as soon as possible if you fall behind on Brighthouse catalogue repayments.

Who Is Brighthouse?

Brighthouse is a leading rent-to-own sector shop and online catalogue, based in the UK.

At one point it was the largest rent-to-own company in the United Kingdom.

They are owned by Apollo Management, a private American firm.

Founded in 1990, Brighthouse offers a wide range of household, electronic and domestic products.

Customers can pay via the Bright House Bill Pay process, which allows customers to pay either online or on the phone.

They allow Brighthouse customers to pay either on a weekly or monthly basis if they have a credit account, boasting interest-free payments.

They essentially run on a hire purchase agreement, by which they loan to people who can’t afford to purchase products outright.

Is Brighthouse Still Trading?

In 2017, Brighthouse fell into administration after various insinuations about unaffordable lending.

The Financial Conduct Authority labelled Brighthouse as an irresponsible lender, as they failed to honour valid cancellations.

They also have been castigated for their high-interest rates and long payment terms, which often made the cost of products to be much higher than their outright value.

They struggled to stay trading after they were inundated with compensation claims for selling to individuals who didn’t have the means to pay back.

Due to this, they have stopped trading altogether and all of their stores have been closed.

What Happens to My Brighthouse Repayments?

Despite this affordability complaint, customers are still entitled to make their repayments to Brighthouse in the usual manner.

They have also stated that those who fail to make late payments will be subject to extra charges.

So, despite them shutting up shop, don’t let this fool you into thinking any debt you owe to Brighthouse will be written off, as it’s quite the opposite.

The administrators have stated that all cash loans remain subject to the original T&C’s agreement.

Outstanding debt can impact your credit score, so always be mindful when making purchases with catalogues.

Do Not Pay Brighthouse Until You’ve Received Free Debt Advice

Brighthouse is unsecured debt and it is always advised to speak to a debt advisor for free advice before making any payments.

Do not make any payments until you have received professional advice to understand all the debt solutions available to you.

Here are all the debt solutions available to you depending on where you are based in the UK:

Looming debt can be concerning and you may want to pay the catalogue company that you owe money to as soon as possible.

It is important to consult a debt advisor, such as Citizens Advice, prior to making any payments toward your existing debts.

They can help you draw up an achievable repayment plan and help you deal with debt collectors.

Many catalogues allow their struggling customers to make reduced payments per month towards their outstanding rent to own debts.

Complaining About Brighthouse Debt Collection

There are a couple of ways in which you can complain about Brighthouse Debt Collection.

If you want to make an affordability complaint, you should contact Brighthouse straight away.

Complain Directly To Brighthouse

If you have a complaint, you should send a formal letter to:

BrightHouse Customer Relations
5 Hercules Way
Leavesden Park
Watford
WD25 7GS

You can also contact the Brighthouse customer relations team to make a complaint via telephone, fax or email.

Their telephone number is 01923 488200. Their lines are open Monday to Friday, from 9 AM to 5 PM and on Saturdays, from 9 AM to 3 PM.

Their fax number is  01923 488202 and their email is [email protected].

Once a complaint has been made they will send a written confirmation acknowledging a complaint has been received and is being looked into.

They aim to call all disgruntled customers back within at least 48 hours to discuss the matter.

They then will work with you to find a reasonable solution to the issue in question, while keeping you updated on the progress every step of the way.

When the concern has been dealt with, they will send a final response letter addressing their findings and resolutions.

Escalate Complaint to the Financial Ombudsman Service

If you feel that Brighthouse hasn’t dealt with your complaint in a fair or timely manner, you can escalate your complaint to the FOS.

You can send a letter directly to the following address: Financial Ombudsman Service, Exchange Tower, London, E14 9GE

Or, you can make a complaint via their email, telephone or the Brighthouse website.

Their number is 0300 123 9123 if you are calling from a mobile and 0800 023 4567 if you are calling from a landline.

You can email them at [email protected], or you can make a complaint on the FOS website.

If your complaint is valid and submitted in an adequate time frame, then you may be entitled to some form of reimbursement for your successful claim.

Popular Questions

Can you get a CCJ for Brighthouse debt?

Brighthouse can apply for a County Court Judgement (CCJ) to be brought against you to retrieve their money owed.

Only the court can implement the CCJ (County Court Judgement) for your catalogue of unsecured debts owed.

If you do not keep up with payments to your CCJ then and only then will the court, not the catalogue, have the authority to send in bailiffs.

Can Brighthouse send bailiffs?

Brighthouse company do not have the authority to send bailiffs to your home.

Catalogue companies are also not allowed to take any of your personal possessions in order to pay for your unsecured debt.

Only the court, not the catalogue, have the authority to send in bailiffs if you fall behind on payments to your CCJ.

What happens if i don't pay Brighthouse?

Brighthouse company reserve the right to impose a charge to cost the cover of missed or insufficient payments and are entitled to debit your account with any costs incurred by them.

Catalogue companies will ask you to catch up with the debt arrears and if you can’t pay the creditor the account will default and further action could be taken against you.

You are signing a consumer credit agreement when you have a catalogue account, which means the debt is enforceable in the courts.

How Do I Close My Brighthouse Account?

If you wish to close down your Brighthouse Account, you can do so as follows:

  1. Get in touch with their customer service team on 01923 488200
  2. Explain to the advisor that you wish for your account to be terminated.
  3. Provide them with the customer details on your account.
  4. Request cancellation effect immediately.
  5. Ask for them to email you confirmation of the account closure.

As simple as that, your account should be closed.

This is provided that the account balance is empty and there are no existing debts to be paid.

Final Thoughts

Overhanging debt is stressful and can drastically impact the lives of many individuals who fall behind on late fees.

All of the Brighthouse stores may be closed, but if you have any outstanding debt with Brighthouse you aren’t off the hook.

It is important you return any money left to pay, in order to avoid any repayment problems.

If you are experiencing financial difficulty and want to see what options you might have to repay rent to own companies, like Brighthouse, then contact a debt advisor.

Debt advisory services can help you make compensation claims and insurance claims.

They can also help you make an achievable repayment plan, negotiate payment holidays or a payment break, and help you submit an affordability complaint.

You can work your way out of debt, you might just need a little help!

Struggling With Other Debts

Here are some other debt guides if you are struggling with different types of debts:

Debt Help

Speak to the debt advisor to check what debt solutions you have to help you consolidate debts into a single affordable monthly repayment.

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