Went into brighthouse the other day for a nosy as you do and all I can say is what a bad place IMO.
To give an example of why I feel it is so bad.
A second hand (Or reconditioned as they like to put it) Lap Top.
Cash sale in full £630 (Ish)
On Credit - £790.00 Ish (Apr 29.9% APR). 100 weeks @ £7.90 ish.
Now you have to take there compulsary cover? Have to? Compulsary? that supprised me, but never mind, now that is an additional weekly cost of (IIRC) £4.80 for one of them and £1.20 for the other (Insurance and service cover).
So it now becomes £13.90 Per week over 100 Weeks = £1390.00.
Now the Lap top in question when Googled is worth £315.00 BRAND NEW.
DAYLIGHT ROBBERY.
The Credit Scheme required NO Credit Check and this makes credit available to people who MAY not be able to afford it.
This is probably why the Credit is so high, I mean if 1 Pays up good, they can afford 2-3 defaults.
This IMO is No better (INFACT WORSE) than Provident & Co.
All I can say if someone buys something from there they are either MAD or want the item VERY MUCH.