Late Payment Charges
BrightHouse is reintroducing late payment charges for customers who do not make payments in full and on time. We have revised the level of these charges in a way that is better for most customers.
These revised late payment charges will now be applied from 19th August 2017 on the terms set out below.
Late payment charges from 19th August 2017
If we do not receive a payment in full on or before your payment date, you must pay us a late payment charge of £12.
Only one late payment charge will be applied for each period when payments are missed, late or not paid in full under this agreement.
If you miss payments at the same time on two or more agreements you have with us, we will apply only one late payment charge of £12 for that week to the agreement, which started earliest in respect of which payment has been missed.
The maximum amount of late payment charges payable for all your agreements will be capped at £24 in any consecutive 5-week period and at £48 in any consecutive 13-week period.
Avoiding Late Payment Charges
1. Keep your account up to date: We offer a range of payment options that make it easy for you to maintain your account up to date and avoid late payment charges. Please ask a member of staff for more details.
2. Having difficulty making your payments? We understand that sometimes you may experience an unplanned financial issue that affects your ability to maintain your payments on time. Therefore, if you advise us that you are unable to make your payment before that payment is due and you make a commitment to resolve your account at a later date, we will not apply a late payment charge. Note: If however, you break your commitment, by not resolving the account by the agreed date or by not informing us beforehand of any change, a late payment charge will be applied to your account at that time.
Reach out to us - we can help
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.
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 judgement. 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