| 词条 | BrightHouse (retailer) |
| 释义 |
| name = BrightHouse | logo = BrightHouse logo.svg | logo_size = 250px | type = Private | genre = | fate = | predecessor = | successor = | foundation = April 1994 | founder = | defunct = | location_city = Watford | location_country = UK | location = | locations = | area_served = | key_people = Hamish Paton (Chief Executive)[1] | industry = Retailer | products = Furniture Consumer electronics Household appliances | services = | revenue = | operating_income = | net_income = | aum = | assets = | equity = | owner = | num_employees = 3,000[2] | parent = Apollo Management | divisions = | subsid = | homepage = BrightHouse | footnotes = | intl = }} Caversham Finance Limited, trading as BrightHouse, is the largest rent-to-own company in the United Kingdom, with over 270 stores.[3] It is a national chain that provides home electronics, domestic appliances, household furniture and related products. Caversham Finance Limited is owned by private equity firm Apollo Management.[4] In October 2017, the company was ordered by the financial regulator, the Financial Conduct Authority, to pay 249,000 customers £14.8m due to the firm not compensating customers who had cancelled agreements after one down payment and to those who signed up to "unaffordable" lending agreements. The FCA said the retailer has not been a "responsible lender" and had treated customers unfairly.[5][6][7][8] HistoryBrighthouse was founded by Thorn EMI in April 1994 as Crazy George,[9] and intended to be a sister company to Radio Rentals. Crazy George was rebranded as BrightHouse in 2002.[10] Caversham Finance Limited, having been initially a subsidiary of Thorn Group plc, was taken private in September 1998 in a deal arranged and financed by the Principal Finance Group of Nomura (now reconstructed as Terra Firma Capital Partners). The company was bought by Vision Capital in July 2007. It was later sold to Apollo Management in December 2017.[4] Brighthouse employed more than 3,000 staff as of 2012.[2]{{dead link|date=February 2017}} and had 311 stores as of January 2017.[13] Brighthouse's revenue was £351.7 million for the year ending 31 March 2015, and its pre-tax profits were £19.6 million.[11] In 2017 Brighthouse submitted a reform plan to its regulator, the Financial Conduct Authority, following criticism of its lending practices, and announced plans to close 28 stores.[12] On 5 February 2019, Brighthouse announced that 30 stores were set to close due to poor trading conditions.[13] Product offeringsBrightHouse currently stocks brands that include Samsung, Sony, Philips, Acer, LG, Nintendo, Baird, Whirlpool, Beko, BlackBerry and Nokia. The company charges interest of between 69.9% and 99.9% APR,[14] and also charges for delivery, installation and compulsory warranties. An investigation by the BBC's Victoria Derbyshire programme in 2016 cited an example of a washing machine costing £358, with a £55 delivery and installation charge and compulsory £136 warranty. The total cost of the appliance was £1,092 at Brighthouse's typical interest rate of 69.9%.[15] Some sources suggest Brighthouse makes it impossible to compare prices,[16] though ex-chief executive Leo McKee (current Hamish Paton) [17]said the retailer benefits through a "really obsessive" approach to customer service, with "aspirational products at very competitive prices", claiming that though an active comparison is not obvious, it actively compares with other retail competitors; The Co-operative, Amazon.com, Yhor and 24Ace.[18][19] Furniture accounts for about 20 per cent of sales, audio and visual for 30 per cent, domestic appliances for 20 per cent and technology for 30 per cent.[1] AwardsIn 2008, BrightHouse won Best High Street Recycler at the National Recycling Awards.[20] Moreover, the company won a Green Apple Award for Environmental Best Practice.[21] Charity and partnershipsIn October 2007, BrightHouse announced an exclusive agreement with Five to sponsor the Trisha Goddard show.[22] BrightHouse partnered the NSPCC in 2009. As well as running various fundraising events for the charity, BrightHouse has posters and promotional material in their stores to raise awareness.[23] CriticismBusiness practicesIn May 2009, an investigation by BBC Newsbeat suggested that BrightHouse mistreated customers who missed payments. A former employee told Newsbeat that the company tried to repossess goods without obtaining a court order, saying "We would just lie our way around it. Tell them we had the legal right to be there, and refuse to leave until they gave us the stuff." Commercial director Hamish Paton denied the company mistreated its customers, saying "We would only ever take the goods with the consent of the customer". Chris Tapp, director of charity Credit Action called for the Office of Fair Trading to investigate.[24] The company's lending practices have been criticised for targeting the "poorest, most desperate families" and operating in the "most deprived areas" of the UK. Other customers end up paying more than twice what they would have paid absent BrightHouse's finance charges.[25] Their base prices have also been noted to be higher than those of upscale mainstream retailers such as Harrods.[26] In 2015 BrightHouse, along with its two largest competitors PerfectHome and Buy as You View, were criticised by the All Party Parliamentary Group on Debt and Personal Finance. According to Parliamentary group chair Yvonne Fovargue, "Rent-to-own stores like BrightHouse charge inflated prices to some of the poorest people in the country. Customers are often obliged to take out additional warranties and insurance, as a result paying several times the true value of the goods." BrightHouse chief executive Leo Mckee defended the company, saying that "We are proud to serve our customer base of lower income families. The service we provide gives them access to high-quality products for their homes at competitive prices."[27] In 2016 former Labour Party leader Ed Miliband joined a campaign against Brighthouse in his Doncaster constituency. Miliband accused the company of trying to "fleece" customers with expensive insurance and of harassing people who fall behind on their payments, and urged the public to use a local credit union instead.[28][29] An investigation for the BBC's Victoria Derbyshire programme in 2016 found that the company was selling to vulnerable people. The programme cited an example of a man with learning difficulties and mental illness who was paying Brighthouse for five separate items out of his benefit payments. It also featured an autistic man who purchased a PlayStation 4 from Brighthouse despite not understanding the contract, according to his mother who intervened on his behalf to get the contract cancelled.[15] Tax avoidanceIn January 2015 Private Eye reported that BrightHouse had paid very little UK corporation tax between 2007 and 2014 – less than £6m – after revenues of £1.6bn and operating profits of £191m. According to Private Eye, interest of £76m owed to a Luxembourg-registered subsidiary of BrightHouse's then owners Vision Capital had significantly reduced taxable profits. In addition, records showed BrightHouse's '5 star' insurance to be operated through a sister company based in Malta, where tax on profits would in effect be no more than 5 per cent under Maltese law. BrightHouse told Private Eye it complies with all relevant tax regulations and that all its arrangements were agreed with HMRC.[30] In 2017, The Guardian disclosed details from the Paradise Papers that Queen Elizabeth II had invested some money in the company over a 12-year period via the Duchy of Lancaster.[31] References1. ^1 {{cite web|url=http://www.retailgazette.co.uk/blog/2016/09/brighthouse-ceo-leo-mckee-retires|title=Brighthouse CEO Leo McKee retires|author=Elias Jahshan|publisher=Retail Gazette|date=14 September 2016}} 2. ^1 {{cite web|title=Press Release July 2012|url=http://www.brighthousegroup.co.uk/downloads/pressreleases/FY%20Results%20Release%20FINAL%20050712.pdf}}{{dead link|date=July 2017 |bot=InternetArchiveBot |fix-attempted=yes }} 3. ^{{cite web|title=BrightHouse takes over Robert Dyas shop on Cheltenham High Street|url=http://www.thisisgloucestershire.co.uk/BrightHouse-takes-Robert-Dyas-shop-Cheltenham/story-17186455-detail/story.html#axzz2LEp0fhnt|work=Gloucestershire Echo}} 4. ^1 {{cite web|url=https://news.sky.com/story/rent-to-own-retailer-brighthouse-clinches-220m-rescue-deal-11159911|title=Rent-to-own retailer BrightHouse clinches £220m rescue deal|author=Mark Kleinman|first=|date=7 December 2017|website=Sky News|publisher=Sky News|access-date=16 October 2017|df=dmy-all}} 5. ^{{cite web|title=BrightHouse to repay customers £14.8m|url=https://www.bbc.co.uk/news/business-41732865|website=BBC News|accessdate=24 October 2017|language=en|date=24 October 2017}} 6. ^{{cite web|last1=Kollewe|first1=Julia|title=Rent-to-own retailer BrightHouse ordered to repay £14.8m to customers|url=https://www.theguardian.com/money/2017/oct/24/rent-to-own-retailer-brighthouse-ordered-to-repay-14m-to-customers|website=The Guardian|accessdate=24 October 2017|language=en|date=24 October 2017}} 7. ^{{cite web|last1=Sembhy|first1=Ravender|title=BrightHouse to pay £14.8m to mistreated customers|url=https://www.independent.co.uk/news/business/news/brighthouse-rent-to-own-pay-customers-14-million-mistreatment-financial-conduct-authority-watchdog-a8016676.html|website=The Independent|accessdate=24 October 2017|language=en|date=24 October 2017}} 8. ^{{cite web|last1=Armstrong|first1=Ashley|title=Electricals lender Brighthouse stumps up £15m in customer redress|url=https://www.telegraph.co.uk/business/2017/10/24/electricals-lender-brighthouse-stumps-15m-customer-redress/|website=The Telegraph|accessdate=24 October 2017|language=en|date=24 October 2017}} 9. ^{{cite news|title=Retail Property - BrightHouse to expand portfolio with 20 stores|url=https://www.retail-week.com/retail-property-brighthouse-to-expand-portfolio-with-20-stores/1728436.article|work=Retail Week|date=31 January 2003|accessdate=21 November 2016}} 10. ^{{cite news|title=BRANDING BRIEFS: Crazy George rebrands 101 retail outlets|url=http://www.campaignlive.co.uk/article/154877/branding-briefs-crazy-george-rebrands-101-retail-outlets|work=Campaign|date=1 August 2002|accessdate=21 November 2016}} 11. ^{{cite news|last=Chapman|first=Matthew|title=BrightHouse profits rise despite 'challenging' year of political uncertainty|url=https://www.retail-week.com/topics/finance/brighthouse-profits-rise-despite-challenging-year-of-political-uncertainty/5076574.article|work=Retail Week|date=2 July 2015|accessdate=14 September 2016}} 12. ^1 {{cite news|title=Struggling electricals chain BrightHouse submits reform plan to FCA |url=https://www.telegraph.co.uk/business/2017/02/04/brighthouse/|work=The Daily Telegraph|date=4 February 2017|accessdate=20 February 2017}} 13. ^{{cite news|url=https://www.bbc.co.uk/news/business-47135309|title=Brighthouse to shut 30 shops and cut 350 jobs|work=BBC news|date=5 February 2019|accessdate=10 February 2019}} 14. ^{{cite news|last=Wood|first=Zoe|title=BrightHouse admits affordability checks are hurting business model |url=https://www.theguardian.com/money/2016/oct/04/brighthouse-admits-affordability-checks-are-hurting-business-model|work=The Guardian|date=4 October 2016|accessdate=20 February 2017}} 15. ^1 {{cite news|title=Rent-to-own firms 'selling to vulnerable people'|url=https://www.bbc.co.uk/news/uk-36389824|website=BBC News|date=4 July 2016|accessdate=14 September 2016}} 16. ^{{cite web|url=http://eastreadingonline.ning.com/forum/topics/brighthouse-are-you-a-customer|title=Brighthouse - are you a customer?|publisher=East Reading Online|accessdate=29 February 2012|deadurl=yes|archiveurl=https://web.archive.org/web/20150210171904/http://eastreadingonline.ning.com/forum/topics/brighthouse-are-you-a-customer|archivedate=10 February 2015|df=dmy-all}} 17. ^currentt employee 18. ^{{cite web|url=http://www.retail-week.com/city-and-finance/brighthouse-eyes-best-christmas-since-2007/5019233.article|title=BrightHouse eyes best Christmas since 2007|publisher=Retails Week|accessdate=12 November 2010}} 19. ^{{cite web|url=https://www.theguardian.com/money/2012/nov/23/brighthouse-heavy-price-paying-by-week|title=Brighthouse and the heavy price of paying by the week|publisher=The Guardian|accessdate=23 November 2012}} 20. ^{{cite web|url=http://www.nationalrecyclingawards.com/Winners.asp?m_pid=0&m_nid=31063|archive-url=https://web.archive.org/web/20090310172807/http://www.nationalrecyclingawards.com/Winners.asp?m_pid=0&m_nid=31063|dead-url=yes|archive-date=10 March 2009|title=2008 Winners|publisher=National Recycling Awards|accessdate=16 February 2009}} 21. ^{{cite web|url=http://www.thegreenorganisation.info/gaaw.asp|title=Green Apple Award Winners 2008|publisher=The Green Organisation|accessdate=16 February 2009|deadurl=yes|archiveurl=https://web.archive.org/web/20090227083740/http://www.thegreenorganisation.info/gaaw.asp|archivedate=27 February 2009|df=dmy-all}} 22. ^{{cite journal|title=BrightHouse sponsors Trisha Goddard Show|work=ERT Weekly|date=8 November 2007}} 23. ^{{cite web|url=http://www.marketingweek.co.uk/brighthouse-announces-partnership-with-nspcc/3008202.article|title=BrightHouse announces partnership with NSPCC|publisher=Marketing|date=4 January 2010}} 24. ^{{cite news |url= http://news.bbc.co.uk/newsbeat/hi/the_p_word/newsid_8049000/8049351.stm |title=BBC - Newsbeat - The P Word - Firm denies 'bullying' customers |first= |last= |work=BBC News |date= 14 May 2009|publisher=BBC |location=London |accessdate=23 May 2011}} 25. ^Don Mort, "Don't fall prey to doorstep lenders plea", Wakefield Express, Jan 1, 2010, accessed 18 March 2010. 26. ^"The peril of easy credit at Christmas", The Sun, 7 December 2009, accessed 18 March 2010. 27. ^{{cite news|last=Osborne|first=Hilary|title=Rent-to-own firms ripping off customers, say MPs|url=https://www.theguardian.com/business/2015/feb/10/rent-to-own-firms-ripping-off-customers-say-mps|work=The Guardian|date=10 February 2015|accessdate=19 September 2016}} 28. ^{{cite news|title=Ed Miliband: How Rent-To-Own Companies "Fleece" People|url=http://www.lbc.co.uk/ed-miliband-how-rent-to-own-companies-fleece-people-127259|website=LBC|date= 21 March 2016|accessdate=15 September 2016}} 29. ^{{cite news|last=Stewart|first=Heather|title=Ed Miliband interview: 'The thing that's important to me is that the fight goes on'|url=https://www.theguardian.com/politics/2016/mar/25/ed-miliband-interview-labour-leader-jeremy-corbyn-fight-goes-on|work=The Guardian|date=25 March 2016|accessdate=15 September 2016}} 30. ^"Low Income High Profits", Private Eye No.1384 23 January - 5 February 2015 31. ^{{cite news|url=https://www.theguardian.com/news/2017/nov/05/revealed-queen-private-estate-invested-offshore-paradise-papers|title=Revealed: Queen's private estate invested millions of pounds offshore|work=The Guardian|author=Hilary Osborne|date=5 November 2017|accessdate=6 November 2017}} External links{{Commons category|Bright House}}
6 : Companies based in Watford|Retail companies of the United Kingdom|Consumer electronics retailers of the United Kingdom|Telecommunications companies of the United Kingdom|Consumer electronics brands|1994 establishments in the United Kingdom |
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