Bright house.

tim_noone · Post by **tim_noone** » Tue Oct 24, 2017 6:05 pm

£15 million fine they robbed the poor to feed the rich! Good enough for them.

Saxoman · Post by **Saxoman** » Tue Oct 24, 2017 6:10 pm

Bring back 'Radio Rentals'. Always reasonable weekly rate. Bet they'd thrive again now.

Dark Cloud · Post by **Dark Cloud** » Tue Oct 24, 2017 7:19 pm

Apparently Bright House have been corralling random people from the pavement (sidewalk if you're Vegas Claret reading this) and forcing them into their shops and making them sign credit agreements which they couldn't actually afford in exchange for MASSIVE televisions and other assorted essential items such as speaker units and corner sofas. Bright House have clearly been negligent by not reading the minds of said people who said they could pay knowing full well they couldn't. I hate Bright House!

CharlieinNewMexico · Post by **CharlieinNewMexico** » Wed Oct 25, 2017 4:12 am

Do you not still have Redifusion?

Imploding Turtle · Post by **Imploding Turtle** » Wed Oct 25, 2017 5:20 am

Dark Cloud wrote:Apparently Bright House have been corralling random people from the pavement (sidewalk if you're Vegas Claret reading this) and forcing them into their shops and making them sign credit agreements which they couldn't actually afford in exchange for MASSIVE televisions and other assorted essential items such as speaker units and corner sofas. Bright House have clearly been negligent by not reading the minds of said people who said they could pay knowing full well they couldn't. I hate Bright House!

Or perhaps Bright House knew that these people couldn't afford these loans and signed them up anyway knowing that they could just sell any bad debts on to collectors.
It's pretty easy to trick people into thinking they can afford loans when you're not all that bothered about whether they can or not.

Vegas Claret · Post by **Vegas Claret** » Wed Oct 25, 2017 5:44 am

Dark Cloud wrote:Apparently Bright House have been corralling random people from the pavement (sidewalk if you're Vegas Claret reading this) and forcing them into their shops and making them sign credit agreements which they couldn't actually afford in exchange for MASSIVE televisions and other assorted essential items such as speaker units and corner sofas. Bright House have clearly been negligent by not reading the minds of said people who said they could pay knowing full well they couldn't. I hate Bright House!

I've lived in Burnley for 33 years longer than I've lived in Vegas, I'm ok with pavement

haha

Chobulous · Post by **Chobulous** » Wed Oct 25, 2017 7:37 am

Vegas Claret wrote:

I've lived in Burnley for 33 years longer than I've lived in Vegas, I'm ok with pavement haha

If you had lived in Burnley that long then you would know that the accepted term is flags

tybfc · Post by **tybfc** » Wed Oct 25, 2017 9:57 am

Vegas Claret wrote:

I've lived in Burnley for 33 years longer than I've lived in Vegas, I'm ok with pavement haha

tybfc · Post by **tybfc** » Wed Oct 25, 2017 9:57 am

Vegas Claret wrote:

I've lived in Burnley for 33 years longer than I've lived in Vegas, I'm ok with pavement haha

How much do you owe Bright House?

Imploding Turtle · Post by **Imploding Turtle** » Wed Oct 25, 2017 10:07 am

tybfc wrote:How much do you owe Bright House?

Enough that he had to go to Vegas to try and pay them back. The success of which can be determined by the fact that he's still there.

bfcjg · Post by **bfcjg** » Wed Oct 25, 2017 10:10 am

I bet their Blackburn branch is the busiest in the country especially as they give a complimentary shell suit with every pool playing pitbull picture they sell on credit.

Vegas Claret · Post by **Vegas Claret** » Wed Oct 25, 2017 3:31 pm

tybfc wrote:How much do you owe Bright House?

I'll be honest, I've no idea who Bright House are ?

Vegas Claret · Post by **Vegas Claret** » Wed Oct 25, 2017 3:32 pm

Imploding Turtle wrote:Enough that he had to go to Vegas to try and pay them back. The success of which can be determined by the fact that he's still there.

and never coming back to the UK if I can help it !

Healeywoodclaret · Post by **Healeywoodclaret** » Wed Oct 25, 2017 4:58 pm

Vegas Claret wrote:and never coming back to the UK if I can help it !

Bright House are high Street stores up and down the country (usually in places where there are a lot of people with not much money) and offer hire purchase for household essentials such as washing machines sofas fridge freezers at extortionate prices / rates if interest usually to people who don't have a good credit rate.

What's Vegas got that Burnley hasn't lol!!

FactualFrank · Post by **FactualFrank** » Wed Oct 25, 2017 5:13 pm

The last time I went to Brighthouse I got robbed blind. Sorry, my mistake. That was Brighouse.

Vegas Claret · Post by **Vegas Claret** » Wed Oct 25, 2017 8:34 pm

Healeywoodclaret wrote:Bright House are high Street stores up and down the country (usually in places where there are a lot of people with not much money) and offer hire purchase for household essentials such as washing machines sofas fridge freezers at extortionate prices / rates if interest usually to people who don't have a good credit rate.

What's Vegas got that Burnley hasn't lol!!

Thanks Healey, I've never ever heard of them tbh !

And the answer to your question is sunshine !!

boatshed bill · Post by **boatshed bill** » Wed Oct 25, 2017 8:46 pm

I looked at the eventual cost of some items which some unfortunate person in desperate need of "white goods" might pay. It looks like double the original cost.
This is the poverty trap without a doubt, horrible.

Dark Cloud · Post by **Dark Cloud** » Wed Oct 25, 2017 8:57 pm

My original point wasn't meant to sound heartless and I KNOW that Bright House (and similar firms) aim squarely at the "poorer" end of the market, BUT last year I bought some shoes in Clarke's sale as I was allowed out for once without my minder and personal shopper known as my Mrs. First time I ever put them on to go out she said "they're sh** and you're not wearing them EVER when out with me!!" Hence a total waste of money. I made a bad consumer choice! But it WAS a choice. Can I now get compensation from Clarke's for my stupid decision? Plus how many of the white goods people purchase from Bright House are really essential? Some most certainly will be I agree, but massive flat screen tv's for example maybe aren't.

deanothedino · Post by **deanothedino** » Wed Oct 25, 2017 9:00 pm

Dark Cloud wrote:My original point wasn't meant to sound heartless and I KNOW that Bright House (and similar firms) aim squarely at the "poorer" end of the market, BUT last year I bought some shoes in Clarke's sale as I was allowed out for once without my minder and personal shopper known as my Mrs. First time I ever put them on to go out she said "they're sh** and you're not wearing them EVER when out with me!!" Hence a total waste of money. I made a bad consumer choice! But it WAS a choice. Can I now get compensation from Clarke's for my stupid decision? Plus how many of the white goods people purchase from Bright House are really essential? Some most certainly will be I agree, but massive flat screen tv's for example maybe aren't.

Clarke's aren't regulated by an authority who state they can't sell you ugly shoes unfortunately for you.

Bright House are regulated by an authority who say they can't offer people unaffordable finance.

Dark Cloud · Post by **Dark Cloud** » Wed Oct 25, 2017 9:04 pm

deanothedino wrote:Clarke's aren't regulated by an authority who state they can't sell you ugly shoes unfortunately for you.

Bright House are regulated by an authority who say they can't offer people unaffordable finance.

Point taken deano. (Wanna buy some cheap shoes? Never worn!)

boatshed bill · Post by **boatshed bill** » Wed Oct 25, 2017 9:20 pm

Dark Cloud wrote:Point taken deano. (Wanna buy some cheap shoes? Never worn!)

I like brogues.

Dark Cloud · Post by **Dark Cloud** » Wed Oct 25, 2017 9:23 pm

boatshed bill wrote:I like brogues.

Not brogues unfortunately! And even worse is that I'm NEVER allowed out shopping on my own any more as have to be accompanied by the fashion police!

boatshed bill · Post by **boatshed bill** » Wed Oct 25, 2017 9:24 pm

Dark Cloud wrote:Not brogues unfortunately! And even worse is that I'm NEVER allowed out shopping on my own any more as have to be accompanied by the fashion police!

I would never buy a pair of shoes without total consent of my other half, it's folly to think otherwise

Loyalclaret · Post by **Loyalclaret** » Wed Oct 25, 2017 10:11 pm

boatshed bill wrote:I looked at the eventual cost of some items which some unfortunate person in desperate need of "white goods" might pay. It looks like double the original cost.
This is the poverty trap without a doubt, horrible.

* 3 times the value

Bravo to the FCA - let's hope they go down the same route they took with the payday loan industry.

http://www.bbc.co.uk/news/av/uk-3670104 ... costs-1092" onclick="window.open(this.href);return false;

sox8595 · Post by **sox8595** » Wed Oct 25, 2017 10:14 pm

I'm not allowed out shopping without the dragon either

tim_noone · Post by **tim_noone** » Wed Oct 25, 2017 10:23 pm

sox8595 wrote:I'm not allowed out shopping without the dragon either

You soft b......!you soft b......! You soft b......!

sox8595 · Post by **sox8595** » Wed Oct 25, 2017 10:56 pm

It's for my wallets protection only
:-p

Clarinetclaret · Post by **Clarinetclaret** » Thu Oct 26, 2017 1:37 am

UptheBeehole's favourite shop to spend his benefits in.

Sidney1st · Post by **Sidney1st** » Thu Oct 26, 2017 8:09 am

Meanwhile people still get loans, finance deals, Store and credit cards they can't really afford so they can go out and buy their big TV's and other electrical items from other high street retailers and no one bats an eyelid.

Imploding Turtle · Post by **Imploding Turtle** » Thu Oct 26, 2017 8:27 am

Sidney1st wrote:Meanwhile people still get loans, finance deals, Store and credit cards they can't really afford so they can go out and buy their big TV's and other electrical items from other high street retailers and no one bats an eyelid.

And yet the snakes who convince them that they're wrong when they worry that they can't afford it, they're just innocent people doing their job. amirite?

Sidney1st · Post by **Sidney1st** » Thu Oct 26, 2017 8:39 am

By snakes, do you mean target /bonus driven sales people?

ClaretEngineer · Post by **ClaretEngineer** » Thu Oct 26, 2017 8:42 am

Everyone has a choice where to buy something or not.

People really should be doing their research before committing a large expense on finance. Its never been easier to shop around to find the best deal.

Imploding Turtle · Post by **Imploding Turtle** » Thu Oct 26, 2017 9:18 am

Sidney1st wrote:By snakes, do you mean target /bonus driven sales people?

I mean people who deceive customers and manipulate them into purchasing things they cannot afford. It's all well and good saying that the only person who should be responsible for getting into unmanageable debt is the customer, but that assumes a perfect capitalist system where no one ever lies or deceives customers in order to get them buying their product. If we had that then we wouldn't need advertisement regulations banning false advertising, or really any market regulations.

This is why pure capitalism is as unworkable as pure communism. Greedy, dishonest people **** it up.

Loyalclaret · Post by **Loyalclaret** » Thu Oct 26, 2017 9:19 am

Although I agree to extend Claret Engineer people buy to excess. What happened when you washing machine breaks- I guess you or I may be able to shop around with surplus cash or affordable credit (over draft, zero % credit card or relatively cheap finance options).
If you do not have these options you feel you have the pay weekly stores like BrightHouse or washer man who rents them- both are very very expensive options.

I extend to a television breaking, is it essential- id say so. Corner sofa, multi cinema surround sound probably not!

Sidney1st · Post by **Sidney1st** » Thu Oct 26, 2017 9:31 am

Imploding Turtle wrote:I mean people who deceive customers and manipulate them into purchasing things they cannot afford. It's all well and good saying that the only person who should be responsible for getting into unmanageable debt is the customer, but that assumes a perfect capitalist system where no one ever lies or deceives customers in order to get them buying their product. If we had that then we wouldn't need advertisement regulations banning false advertising, or really any market regulations.

This is why pure capitalism is as unworkable as pure communism. Greedy, dishonest people **** it up.

A simple yes would've been fine.

Target driven sales people are generally the culprits, in all sectors of sales.

deanothedino · Post by **deanothedino** » Thu Oct 26, 2017 9:54 am

ClaretEngineer wrote:Everyone has a choice where to buy something or not.

People really should be doing their research before committing a large expense on finance. Its never been easier to shop around to find the best deal.

Easy to say as someone who is educated, middle-class and technology literate. It is easy to shop around, it's also easy to play the system and get never ending free credit if you know what you're doing and have the salary to enable it but there are people who don't know how to shop around and can barely tot up the total of their monthly bills, let alone work out how to finance a purchase.

The problem is that when a, not insignificant, section of the public have something break like a fridge or a TV they know they need to replace it and they head to the high street/retail parks. Most stores that sell these items offer finance these days, and most probably at better rates than Bright House if not zero %, but they leave them as footnotes and small print meaning people don't see them. They see the headline price, know they can't afford it and trudge off to the next place until they get to Bright House and a nice monthly payment is advertised for a huge mid-range or top of the line product and they think "wow, I can do that". They don't think, like you or I would, "Jesus, look at that APR - what an awful deal".

Then up slides the salesman, talking about how great the product is and how affordable those monthly payments are and next thing you know they're walking away with £2k of debt for a £500 TV.

So, yes they could research, get a 0% credit card and buy a £200 TV from Tesco instead but they don't because they know nothing about those options.

elwaclaret · Post by **elwaclaret** » Thu Oct 26, 2017 10:08 am

The experiment to drive the economy through credit is most to blame. And the greed to exploit those most desperate is always seen as easy meet in any walk of life. A whole generation have grown up with the "you can have everything you want now" message drummed into them. They are now trapped, comments like "they have a choice" only go to show societies problem, many of the 'haves' have no comprehension of the fact that many of those being exploited lack the education and grounding to make basic mathematic calculations. Others are 'forced' into these places by desperation (eg their freezers packed up) - they can do it no other way. Having gone through the process once the constant messages of you can have this for £3 a week do not seem as scary, suddenly there are multiples of 3,4.5 payments... These are the people who need protecting. Politically the blame crosses party politics as both Labour and the Conservatives have done nothing to curb the excesses of greed or the culture of keeping up with the Joneses; where only the latest games machine, trainers and tv systems are acceptable... and it starts in the junior school playground. We are all guilty of it to certain levels... I for example want my lad to always have the latest kit at "soccer school" even to leave myself short for a week or two to do it.

THEWELLERNUT70 · Post by **THEWELLERNUT70** » Thu Oct 26, 2017 11:59 am

boatshed bill wrote:I would never buy a pair of shoes without total consent of my other half, it's folly to think otherwise

I've just ordered a new pair of shoes without the missus consent. She'd better like them or else!

http://www.dnagroove.it/en/Picasso05-ma ... othes.html" onclick="window.open(this.href);return false;

ClaretEngineer · Post by **ClaretEngineer** » Thu Oct 26, 2017 12:01 pm

If you're a sensible person you run all purchases past your other half first.

Its not worth the hassle and ridicule.

However you must not question their purchases, that is a major Faux Pas!

cricketfieldclarets · Post by **cricketfieldclarets** » Fri Oct 27, 2017 12:03 am

They should educate people at schools, colleges etc about finance, loans and suchlike! Proper stuff. Real world stuff.

tim_noone · Post by **tim_noone** » Fri Oct 27, 2017 12:17 am

cricketfieldclarets wrote:They should educate people at schools, colleges etc about finance, loans and suchlike! Proper stuff. Real world stuff.

No finance is taught at home.cut your cloth accordingly..if you haven't the money you can't have it.but the unscrupulous will always take advantage of the poorest and the most vulnerable.brighthouse being one.

Imploding Turtle · Post by **Imploding Turtle** » Fri Oct 27, 2017 12:36 am

cricketfieldclarets wrote:They should educate people at schools, colleges etc about finance, loans and suchlike! Proper stuff. Real world stuff.

There was an optional economic class when I went to high school. Imagine if it still exists the Daily Mail would be all over it screaming about how our children are being brainwashed.

There are a whole bunch of things i'd like kids to be taught in school, civics and how various types of democratic governments function, but there's no way the right-wing media would let it happen. They'll find one thing that when taken out of context looks like liberal or left-wing brainwashing and it'll become a nonsense scandal.

boatshed bill · Post by **boatshed bill** » Fri Oct 27, 2017 12:49 am

Bright house exploits the desperate, horrible fukkaz.

Sidney1st · Post by **Sidney1st** » Fri Oct 27, 2017 7:56 am

ClaretEngineer wrote:If you're a sensible person you run all purchases past your other half first.

Its not worth the hassle and ridicule.

However you must not question their purchases, that is a major Faux Pas!

Hmm, I could be in trouble then because I didn't mention my recent purchase of an Original Gameboy... however it's kept over at my house so she won't see it hopefully

She's currently distracted with the megadrive I got recently and I've left at her place at her instructions so she can play it too

SloughClarets · Post by **SloughClarets** » Fri Oct 27, 2017 7:59 am

Saxoman wrote:Bring back 'Radio Rentals'. Always reasonable weekly rate. Bet they'd thrive again now.

The theory behind Radio Rentals still exists in a company called Box Clever

deanothedino · Post by **deanothedino** » Fri Oct 27, 2017 8:12 am

tim_noone wrote:No finance is taught at home.cut your cloth accordingly..if you haven't the money you can't have it.but the unscrupulous will always take advantage of the poorest and the most vulnerable.brighthouse being one.

Because finance being taught at home clearly works.

The basics of what each financial product is, how they work and what they cost should be taught at school. Combine it with learning how to calculate compound interest in maths or something.

ClaretEngineer · Post by **ClaretEngineer** » Fri Oct 27, 2017 9:11 am

Sidney1st wrote:Hmm, I could be in trouble then because I didn't mention my recent purchase of an Original Gameboy... however it's kept over at my house so she won't see it hopefully

She's currently distracted with the megadrive I got recently and I've left at her place at her instructions so she can play it too

Mega Drive. Gaming at its finest! Fifa 95, Turtles - Hyperstone Heist, Desert Strike...

I buy tools without prior consent, just make sure you get them delivered to work instead of home...

Sidney1st · Post by **Sidney1st** » Fri Oct 27, 2017 9:30 am

I only got it because it had Desert Strike and Jungle strike.
Added some other games she wanted, got 2 controllers so my daughter thinks she's playing too, everybody wins.

UpTheBeehole · Post by **UpTheBeehole** » Fri Oct 27, 2017 9:51 am

Bright House is essentially just Littlewoods on the high street.

Hipper · Post by **Hipper** » Fri Oct 27, 2017 9:51 am

deanothedino wrote:Easy to say as someone who is educated, middle-class and technology literate. It is easy to shop around, it's also easy to play the system and get never ending free credit if you know what you're doing and have the salary to enable it but there are people who don't know how to shop around and can barely tot up the total of their monthly bills, let alone work out how to finance a purchase.

The problem is that when a, not insignificant, section of the public have something break like a fridge or a TV they know they need to replace it and they head to the high street/retail parks. Most stores that sell these items offer finance these days, and most probably at better rates than Bright House if not zero %, but they leave them as footnotes and small print meaning people don't see them. They see the headline price, know they can't afford it and trudge off to the next place until they get to Bright House and a nice monthly payment is advertised for a huge mid-range or top of the line product and they think "wow, I can do that". They don't think, like you or I would, "Jesus, look at that APR - what an awful deal".

Then up slides the salesman, talking about how great the product is and how affordable those monthly payments are and next thing you know they're walking away with £2k of debt for a £500 TV.

So, yes they could research, get a 0% credit card and buy a £200 TV from Tesco instead but they don't because they know nothing about those options.

What you mean is that there are many uneducated, not that bright, people that can be taken in by these sorts of schemes as a way to get what others have and they (are made to) dream of. In a similar way the sub-prime lending scandal's real victims (the house purchasers) were like that and also wanted to live the dream (home ownership) and were given a seemingly good way of doing it.

That is the real crime. Companies like Bright House and the sub-prime lenders know the market and know what they are doing - exploiting ignorance and less intelligent people.