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corcorans1

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  1. I need some advice please. I was finishing uni. (mature student nurse) year 2010/2011 and worked, so my salary was only 11,000.00 so when I started work full-time april 2011 I called the tax credit team and informed them that I would be earning approx. 22,000 for the year and did not wish to get into debt with them and would they change my payments. they renewed my details and noted that I would be earing 22,000. I continued to recieve my money but in January realised that my salary was hitting 20,000 and i still had 3 months left to work (this was due to shift enhancements which I do not know how much). I called them immediately and they said that My money will stop tax and child credits and that I owed then 1,500 pounds I have been in a turmoil ever since and do not know how i can pay this back as a single parent recieving no maintenance or help with anything. They also said that the limit for any tax/child credit it 26,000 pound and I think will be earning 26,100 pounds next year. Gross pay can anyone please advice I dont know what to do. thanks
  2. Hi Matt Good for you so glad someone got them at last! unfortunately I paid mine but so happy that you didnt have to. made my day that has
  3. BUZBY! Im a bit confussed the contract was just another issue the main problem was that they failed to provide me with the facilities that they initially offered! I have since been back to the gym and have been told that the sauna/steam room has not been open since I left and this was due to the licence being far to expensive for them to pay. (this being one of the main reasons for joining). Also the showers were filthy and tiles were missing or cracked and filled with bacteria (this was not the case when i joined). You mentioned an offer? what offer are you referring to? corcorans1
  4. Thank you for your help "Slick" will send letter. I must admit I felt much the same when I read it. They have totally ignored my previous letter. will be intouch no doubt! thanks again. Corcorans 1
  5. We confirm after discussion with Harlands, whom advise, that all Clubs have had sufficient training in completing the Agreements, and fail to see how anybody would complete their Direct Debit details, and then sign, a blank agreement, agreeing that they have read the Terms and Conditions, the club are aware that they give all members a copy of the Membership agreement immediately after signing. We have no doubt as to the validity of this agreement We confirm that this debt is valid and due, the best we can offer to you would be a settlement figure payable in one payment of £185.00 payable within the next 10 days, if you do not wish to take the settlement figure up, please call us on 01444449165, whereby we will be happy to accept monthly instalment payments, however there will be a small handling charge each month for this facility. Yours sincerely For Credit Resolution Services
  6. hi guys, sent the above letter in March 2009 and have just recieved a reply which i am going to post. Any ideas where i go from here? many thanks corcorans
  7. Hi, is there anyone who may be ableto help with this thread Please?? Many thanks corcorans1
  8. These are the grounds........ Dear Sir or Madam, I purchased the above policy from First National that you took over but now believe that I was mis-sold this policy for the following reasons: · Due to the fact that you have been fined by the FSA for failing to treat your customers fairly when selling Payment Protection Insurance and I do not believe that my policy was sold in my best interests. · This is due to the fact that I was not given the correct information when the policy was sold to me. · The salesperson stated that taking out the policy was essential for me to get the associated credit and explained that it was compulsory. Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. Yours faithfully, thanks corcorans1
  9. Hi, Have looked at the credit agreement that was written out by the salesman for Zenith Windows and the agreement was then with a credit company called FIRST NATIONAL who were taken over by GE MONEY..... bit confusing hey! The protected Payment premium is clearly stated on the agreement as £776 and its added to the loan. It then states the Monthly rate of interest variable 1.19% and then it states APR: 15.5%. I have been paying this for 7 years and made the final settlement. Hope you can advise and thanks corcorans1
  10. Thanks aa, have the agreement will get it out and post reply as soon as i can, corcorans
  11. Hi, Started the process to claim back PPI from GE money, sent the 1st template letter to them and they replied blaming ZENITH WINDOWS for the selling of the PPI, who have unfortunately gone into liquidation! can we claim from GE money or do we not have a leg to stand on?? Many thanks Corcorans1
  12. At Last thanks so much Britains worst driver. You have made my day to you as you have me!!!
  13. Well!!!! Inbetween doing 10 hour shifts as a STUDENT NURSE i was constantly calling them and being given many excuses. I Was only asking for advice and I have for the first time in several years of being a member of this forum am very disappointed in your response! Thank for your help
  14. thanks again will send it and post reply. Any idea what we can do about the interest that they have added? We do realise now that we should have carried on with the payments but we did inform them that we could not afford to and the reply was never sent to us! many thanks
  15. Actually I emailed watchdog about Seat not about the garage!!! apparently it is a fault that has now got modified parts to replace the faulty ones!!! Also I was asking a question (garage rip off???) Yes the garage was trying to help but not doing a very good job of it as they had my car for FOUR weeks and never called me even though I asked them to with any progress. They also admitted to taking on a job that they should not have and charged me £400 for completing it, but the dealer SEAT quoted me £350. I dont think I was being that harsh do you?
  16. Hi I was in the process of putting together the letter and to forward the postal order, when we recieved another letter stating that interest was now being added daily and has been since we have not made a payment since December 2007. When calling they said that we were now in arrears and they would not remove the extra daily interest until the arrears were paid. They admitted to composing a letter to be sent to us in January 2008 but they said that when letters are posted out they are scanned but this was not so they admitted to not sending our reply to our second offer of payment and our complaint. Unfortunately my partner was very concerned that the interest was increasing so he went to the citizens advice who sent him to a free debt advisory service who called GE money and tried to compromise on the payments, he was so stressed by all of this so he borrowed the money and paid the full amount off for the whole debt!!! The debt company has now told us to fight for the interest charges from January 2008-NOW and the PPI that we feel we were wrongly sold, they then sent him on his way. We are now in debt to our family for the sum of £8,300. can anybody help us to replace any of these funds? Many thanks corcorans1
  17. having looked at some other forums it seems that this is a common fault! Have sent an email to watchdog as someone suggested. Is SEAT at fault for not recalling. I brought my car from SEAT originally? thanks
  18. Hi Hope somebody can help me? Sleepless nights and tears of fear 3 weeks later and still no car. I took my car to my local garage/mot centre which i have been using for a few years now. It failed the mot due to wear and tear of brushes and arms. when i went to pick the car up which was just being finished off when i arrived they could not get it to start. 2 days later they still had no joy so they called SEAT dealer (IBIZA) and they informed them that it was a common fault on this particicular car and year that the link on the timing belt had slipped off and was just coincidence that it happenened in the garage. I called SEAT dealer who confirmed this and said that a special repair/part pack had been specially put together for this reason and if they did the job then it would cost approx. £300 and a couple of hours to carry out the work. I asked if the garage would be ok to carry the work out and they didnt think there would be a problem!! another 3 days later the garage have told be that they are having problems getting a seal off to get to the engine and that when they spoke to seat and asked if they would do job they refused?? why I do not know but i will be going to visit seat dealer tomorrow to see if this is true. the garage have said that they will continue to do the repair but they have not quoted me a price and said that they would not be charging me a large amount of money! I am at the end of my tether I just do not know what to do, who to turn to, or my rights, can anyone please offer me some advice? I dont think the garage would rip me off as they know I am a single parent student nurse and have always charged me the minimum but i dont trust them with my car now many thanks corcorans 1
  19. Hi, I had a some new windows installed by Zenith 6.5 years ago. My finance was with GE Money. In August of 2007 I had financial problems so i wrote to them explaining that i would like to make an offer of settlement to them and made them an offer with details of my financial situation, my first offer was turned down so I then wrote again stating that if they did not accept this offer then I would be unable to proceed with payments due to my financial situation. They then turned the second offer down and were quite abrupt with their reply so I wrote back with a letter of complaint and also addressed the Mis-sold PPI. I then received a reply stating that they were dealing with my complaint and would reply within 4 weeks. I received a further 2 letters stating the same and from December 2007 until March 2009 heard no more. Except 1 letter informing me that the interest rates had risen!! I realised that this problem was not going to disappear but at the time it helped with my financial status so I didnt pursue it. Last week i recieved a yearly statement showing my arrears with an extra £1600 added, and today i recieved another letter stating that I have arrears that require attention and also stating that they had added another £50, to employ an investigator to find out my address, because i had not told them where i had moved to?? I am in fact still living in the house that we are still awaiting a reply to our complaint and also where the windows were installed by Zenith. I dont know where to start or whom to ask for help. Can anyone advise me please many thanks
  20. Hi, I had a some new windows installed by Zenith 6.5 years ago. My finance was with GE Money. In August of 2007 I had financial problems so i wrote to them explaining that i would like to make an offer of settlement to them and made them an offer with details of my financial situation, my first offer was turned down so I then wrote again stating that if they did not accept this offer then I would be unable to proceed with payments due to my financial situation. They then turned the second offer down and were quite abrupt with their reply so I wrote back with a letter of complaint and also addressed the Mis-sold PPI. I then received a reply stating that they were dealing with my complaint and would reply within 4 weeks. I received a further 2 letters stating the same and from December 2007 until March 2009 heard no more. Except 1 letter informing me that the interest rates had risen!! I realised that this problem was not going to disappear but at the time it helped with my financial status so I didnt pursue it. Last week i recieved a yearly statement showing my arrears with an extra £1600 added, and today i recieved another letter stating that I have arrears that require attention and also stating that they had added another £50, to employ an investigator to find out my address, because i had not told them where i had moved to?? I am in fact still living in the house that we are still awaiting a reply to our complaint and also where the windows were installed by Zenith. I dont know where to start or whom to ask for help. Can anyone advise me please many thanks
  21. Thanks so much Slick 132. have a good day
  22. Hi, i have looked at the templates and i am unsure of the letter to use? the letter that i have recieved is from the collections department of the gym company. thanks for your help corcorans1
  23. yes but only notice it when they sent me the copy two days ago. I was handed the form empty and just filled in my direct debit details and only my name and address. the "MEMBERSHIP TYPE AND PERIOD DETAILS" where obviously filled in after I left the form with her. that is why i thought that it was a direct debt form only. thanks
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