Late Payments: Avoiding Fees & Charges
When taking out an agreement with BrightHouse, you'll need pay the weekly amount - on or before the due date - for the length of the agreement, otherwise a late payment charge of £5.50 will apply. Additionally, we charge a £5 fee for bounced direct debits or cheques. These charges are subject to review and we’ll tell you in advance of any changes.
We understand that financial situations can change and we’re here to support you.
If you can’t make a payment, please get in touch straight away and we’ll do all we can to help you decide how to move forward.
Contact Your Local Store
Contact your store immediately to let them know you won’t be able to make your payment.
They can discuss your circumstances and agree a course of action to get your account back on track.
Your store should be your first port of call for support and guidance, but if for any reason you’re unhappy with the service you receive, please contact our Customer Relations team.
Avoiding Late Fees
If you’re unable to make a payment, there are ways to limit your exposure to late fees.
BrightHouse is committed to being a responsible lender and we review several criteria to ensure your payments are affordable. We provide a number of options to help you manage your finances if you are experiencing financial difficulty. However, it is important to note that the range of options we provide cannot be guaranteed and are subject to your personal circumstances. Please contact your local store for further information.
Improving Your Credit Rating
Different factors affect your credit rating, but late or missed payments to credit accounts will do the most damage.
Rescheduling payments will have less impact than a default or court judgment. So if you can’t make a payment, please get in touch with your store straight away to find a solution.
If you’d like to find out more, we’ve put together some guidance on how to improve your credit rating.
Independent Debt Advice
Organisations like The Money Advice Service, Citizens’ Advice Bureau, Step Change and National Debtline provide free, independent advice on how to manage debt.
The Money Advice Service
0300 500 5000
Citizens’ Advice Bureau
03444 111 444 in England
03444 77 20 20 in Wales
0800 138 1111
0808 808 4000