Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default Silveran82 -v- Esporta

    Hello,

    I have a similar situation with Esporta. I signed for a 1 year contract which came to an end Feb 2009 in Warwickshire Esporta. The same month I gave them a notice to terminate my membership as I was supposed to be flynig away for a business trip for few months. Before leaving I had cancelled my direct debit as it made no sense for me to keep paying for something I was not going to use bearing in mind taht my contract with Esporta was over.
    I arrived recently and found all these threat letters from ARC and Trevor Munn of threatening to take me to Northampton county courticon and that my nformation will be passed to the credit reference agencies who will hold the information for 6 years.

    I don't know what would be the best option for me to take at this stage. On moral grounds, I believe this is a complete rip-off to ask someone to give 3 months notice. After the contract of 12 months, just 1 month notice should be sufficient.

    Any help or dvice would be greatly appreciated.

    Has anyone ever been taken to Northampton Court by trevor Munn?

    Best regards.


  2. #2
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    Default Re: Silveran82 -v- Esporta

    Hi Silveran and welcome to CAGicon.

    I've started you a new threadicon for your case to save hijacking.

    When you gave them notice, did you do so in writing.

    Have you checked the contract to see what notice they required and how it has to be given. You say 3 months' notice is morally wrong and a rip-off but you need to see if you signed agreeing to this.

    See here - http://www.consumeractiongroup.co.uk...embership.html

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

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  3. #3
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    Default Re: Silveran82 -v- Esporta

    Hi Slick132,

    Thanks a lot for replying!

    Yes I emailed Esporta a letter stating that I wish to terminate my membership upon expiration of the 12 month contract.

    However, I did not receive ay reply from Esporta stating that this has been granted.

    I was told by the salesman at Esporta that a 3 months notice will be required if unsusbcribing within a year and one months notice is required if unsuscribing after the one year contractual period has ended.

    The contract is a bit vague and states that 3 months notice is required, irrespective of the contractual period.

    Best regards.


  4. #4
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    Default Re: Silveran82 -v- Esporta

    Hi,

    Does the contract say in what form you have to give notice, eg in writing; by Recorded Delivery; to Head Office, etc.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE