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lhfort01

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  1. I have a similar issue with BUPA, and intend to address the matter with their senior management. To this end, does anyone have an email address for the following BUPA personnel: Alistair How ~ managing director of Bupa International Thanks.
  2. Hello Kiltedscot I can confirm that, following a plethora of correspondence to Oakwood [coupled with threats of legal action], the matter was eventually settled satisfactorily [ie, the insurance "fees" were refunded]. Regards lhfort01
  3. Dear Lancearmpong In my case (as noted above), I pursued RDE for a FULL refund [even if it meant taking legal action!]. And, not surprisingly, RDE made the decision to settle the matter "out-of-court" [naturally, a wise decison on their part]. Interestingly, RDE also sent me a similar letter for my signature. Needless to say, I declined to sign the foregoing document, and threatened to take the Company to Court for a FULL refund. Incidentally, I don't think RDE's admin charges are fair. And, as Consumers, we should make every effort to ensure that these companies" [including RDE] are aware that we are not prepared to accept their ludicrous "penalties" [particularly when you cancelled the application within the grace period]. Good luck in your decision! lhfort01
  4. Hi TonyCee Many thanks for your feedback; I will proceed with your suggestion. Thanks.
  5. Hello Everyone, I wonder if I can solicit assistance from the forum on how to address the following unsatisfactory scenario? In December 2006, based on advice from a Mortgage Broker [Clarity Financial], I took out a mortgage for a flat [in a new development] with Edeus Mortgage Creators. [With hindsight, I have now concluded that Clarity’s recommendation was based purely on the fact that Edeus was paying them (as Brokers) over £1200.00 for my custom?] Anyway, in March 2007, Edeus informed me that the mortgage will be assigned to the following Company: Oakwood Homeloans Limited [OHL] 1 Providence Place Skipton NORTH YORKSHIRE BD23 2HL Shortly thereafter, ie, in April 2007, OHL wrote to me in connection with the above mortgage transfer including their Tariff Of Charges [dated, April 2007]. One of the charges noted on the preceding list was the sum of £25.00 for inspecting the Building Insurance Policy associated with the flat! Not surprisingly, in January 2008, OHL requested that I forward ~ for the Company’s inspection ~ a copy of the Building Insurance Policy! To this end, I contacted the Property Managers [Premier Estates Limited (PEL)] who arranged ~ via Leasehold Property Management Ltd (LPML), ie, the Landlord’s Representatives ~ for a copy of the BIP to be forwarded to OHL. There was no objection ~ from OHL ~ to the details presented on the preceding document. In April 2008, OHL again requested an inspection of the renewed BIP [the previous BIP was due to expire on the 1st May 2008. OHL also gave a deadline of 14 days to produce the aforementioned document; otherwise, they will take out cover on the property and the monthly premiums would be added to my (monthly) mortgage payments. Unfortunately, despite several requests ~ to PEL and LPML in the past 6 weeks ~ for a copy of the renewed BIP, neither of the foregoing parties have responded! In other words, PEL and LPML have not forwarded a copy of the new BIP to me [despite the fact that a portion of my Service Charge includes a payment for building insurance]. Meanwhile, in the absence of the BIP, OHL took the opportunity to take out building insurance cover for the flat which is currently costing me approx. £40.00 per month! Given the above, I would welcome suggestions from members of the forum on how best to address this unsatisfactory situation. Thanks, and I look forward to your feedback.
  6. Hi Conniff Thanks for your feedback. I suppose the settlement (in full) of all "claims" will eventually count towards that goal of becoming "rich"? Have a GREAT Easter! Regards Lionel
  7. Hi Everyone... I can confirm that Rich Dad Education Ltd has settled my claim in full! Thanks for your support, and keep "fighting" the good fight! Regards Lionel
  8. Hi Everyone I have just received the following reply from RDE in connection with my decision to pursue this matter in Court. Judging from RDE’s response, I am inclined to conclude that this is one of those threatening letter to infuse fear in the Plaintiff? Nevertheless, your feedback on this will be greatly appreciated. ********************************** Dear Mr Fortune Rich Dad Education's refund policy is clearly stated on the Student Agreement in which you signed, so are the terms and conditions of the contract. Rich Dad Education holds the contract live for 12 months as stipulated and that as according to your own Exhibit 3 Rich Dad Education has easily complied with the contract. This is quite apparent in section 2 of the payment Policy, and has been reviewed both by our legal representatives and the trading Standards authority prior to production. We will be therefore be more than happy to defend the contract, and as per the signed contract Rich Dad Education will instigate the Jurisdiction and Venue clause subsequently relocating the claim to a venue convenient to Rich Dad Education. Rich Dad Education will also claim all costs associated with the case both for administration and professional fees. Regards Bethan Cryer Rich Dad Education Merlin House 20 Belmont Terrace Chiswick W4 5UG DL: +44 208 996 6737 Registration no: 6166057 ********************************** Thanks Lionel
  9. Hi Davethorp Thanks for your feedback; I will investigate this further. Regards Lionel
  10. Hi Buzby Thanks for your feedback. I can confirm that there have been a plethora of correspondence between RDE and myself in the past 5 months; and the company has indeed been given the opportunity to bring this matter to a satisfactory conclusion. Unfortunately, despite the threat of legal action, they chose not to respond positively to my request for a full refund. Regards Lionel
  11. Hi Everyone In light of my fruitless discussions with RDE, it was concluded that I should take legal action against the company. To this end, I have drafted a POC and appended a copy hereunder. Needless to say, I would welcome the forum's feedback on the aforementioned "document" (ie, POC). ****************** Draft Copy Of POC ********************* IN HARROW MAGISTRATES’ COURT BETWEEN: Lionel Henry Fortune (Claimant) - and - Rich Dad Education (Defendant) Particulars Of Claim Preamble 1. The Claimant entered into an agreement [“The Agreement”] with the Defendant on the 22nd July 2007, whereby the Defendant offered Advanced Training Courses [the “Platinum Package”] to the Claimant for a total fee of £13,744.00. 2. “The Agreement” essentially consisted of the Defendant providing the Claimant with tuition in 4 advanced training classes [which comprised “Creative Financing”, “Buy-To-Let”, “Lease Option”, “Rich U”] and a “Mentorship” program. 3. To qualify for the discounted price
  12. Hi Everyone I have to admit, the information contained on this website has been more valuable than the “advice” received from some of the “professionals” I have consulted in the past few months. Keep-up the great work! Anyway, in July 2007, I attended a Rich Dad Education [RDE] 3-day Property Course which, at the end, additional course packages were offered [at a discounted rate] to attendees. In view of the discount on the various course packages, I decided to sign-up for one of the packages [costing ~ £13,700.00] without, naively, reading RDE’s Terms & Conditions in detail. Nevertheless, during the first 5 days following the above signing, RDE informed me that they were not in a position to: (i) offer the selected courses on the chosen dates and (ii) provide alternative dates for similar courses until 2008. Needless to say, I found the aforementioned responses from RDE unsatisfactory, since I was never informed by the Company (at the time of signing the “agreement”) that I had to wait over 6 months to attend the required courses. Consequently, I instructed the Company [within their specified 10-day “grace” period] to cancel my application, and requested a full refund. Not surprisingly, following protracted communications with RDE, the Company finally refunded my payment in September 2007 LESS 5% [£685.00] for Administration Costs! RDE claims that their Terms & Conditions state that “upon cancellation of any Training Package a 5% Administration Charge will be held back” and, therefore, they will not be refunding the Administration Charge. [interestingly, RDE never highlighted or explained the preceding Clause to me prior to the signing of the agreement!] Frankly, I view the above disproportionate charge as a “penalty”, given RDE’s failure to meet their contractual obligation coupled with my cancellation within the “grace / cooling-off” period. Moreover, I am of the view that the Clause in the Company’s Terms & Conditions pertaining to the 5% Administration Charge [irrespective of when the candidate cancels the agreement] is, in essence, an unfair term in accordance with the Unfair Terms In Consumer Contracts Regulations 1999. Needless to say, I would welcome advice from this Forum on the most appropriate approach for addressing the above matter with RDE. Thanks, and I look forward to the Forum’s feedback. With kind regards Lionel
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