Forgot to mention that if GE send you a complaints form back, ignore it. Read it carefully and you will see why. They have already received yours, tell them that's all they are getting if they ask.

Glad to hear that you are going on the attack!! I stopped paying a few years ago and no one has shot me yet !! When I did contact TCA they put my mind at rest and am having a quiet life. Would be nice to get money we have paid back, but not re paying any thing at moment so cannot have everything. I have read on other sites concerning CLC that people who have not paid maintenance fees this year are receiving solicitors letter's. Perhaps they are just full of hot air as many of these type of letters are. Did ask for someone to post one up but nobody has as yet. So cannot comment on how true the threats are. I have never had one!!!! Send CLC the "misrepresentation " letter, but don't hold your breath waiting for a reply. You should get a reply of GE saying that they are looking into the allegations. Then a few weeks later they will send one saying that they are waiting to hear of CLC. After that things might go quiet. Anyway if you stop paying one, you might as well stop paying both because you will lose membership anyway so nothing to lose. The way I see it, you probably will not be able to afford to go on a CLC holiday ( airfares, spending money etc. ) so cut your losses and don't pay. That's what I had to do in the end. Never accept a free breakfast again!!!! Did see on another site someone saying that GE no longer do the finance for CLC whether it's true or not do not know, but if it is, it could mean that GE are maybe having a few problems, if you get my drift. Keep us posted.

They and any other holiday makers stopping there should get together. Start by taking photographs of any building work etc. Then compile a list of complaints with any other guests. Get their contact details for when they are back home. Keep pestering the so called Rep. There should be someone higher up in the company over there, demand to see them. Check the terms & conditions of holiday. When back home everyone affected should write to holiday Co. and demand compensation. Do not take first offer.

If they cannot provide a CCA then you can stop paying them until they do. Then it has to be enforcable.

Hi there, sorry to hear of your troubles with CLC and GE. With GE that is their normal responce to a complaint letter, keep at it. If you read my previous posts you will see that there have been a couple of success stories. Are you still paying CLC maintenance fees ? If you stop paying GE they will send you lots of letters and make numerous phone calls to you. They might threaten Court action, but they could sell the debt on to a DCA. Then you start the fight all over again with them. I would call GE's bluff, stop paying them and CLC when the next maintenance fees are due, usually November. At the end of the day if you cannot afford it stop it. That's stage one, Stage two send another " Gross Misrepresentation " letter fully detailing how you were missold the product Contact the TCA ( Timeshare Consumer Association) by talking to them it will give you more confidence in dealing with the problem. If you check your Agreement over it should tell you if loan was secured or not, it probably is not. There is a lot to consider and it can be a worry ( understatement of the year !!! ) I am several years down the road with it and still fighting. Good Luck

A first post shouter who needs spelling lessons, best of luck to you to.

Hi there.Seems a good idea to try and get a group together and try to get some money back. There was another case last May that went against Asset Link with the original loan coming from GE. Asset Link is the DCA that GE sells it's debts to. Asset Link Capital (no1) Ltd vs Miss G - Truro County Court, May 2009 Background On 1 July 2006, Mr G and Miss G signed up wityh Leisure Time Promotions Ltd ( Exeter ) to purchase membership of VIP Club. At the same time Miss G signed a loan agreement with GE Money to finance the VIP Club purchase. There followed extensive correspondence between Miss G and GE Money over claims by Miss G that Leisure Time Promotions had misrepresented ther benefits of VIP Club membership. Miss G argued that GE Money were jointly responsible for the misrepresentation under the Consumer Credit Act 1974. Miss G In August 2007 GE Money assigned the debt to Asset Link Capital (no1) Miss G cotinued to claim misrepresentation by Leisure Time Promotions arguing that Asset Link were equally liable under the CCA 1974 as were GE Money. Asset Link denied that they had any liability under the CCA 1974 and took out a claim in the Truro County Court seeking payment of 12,786 pounds from Miss G. Court Hearing( Case No 8X155018 The court heard the claim on 10 May 2009 The Judge said that there were two issues to be considered; 1. Whether the CCA 1974 applied in this case 2. If it did, were there misrepresentations by Leisure Time Promotions. In respect of whether the CCA 1974 applied. Asset Link, in a sudden change of position,admitted that it now considered that the CCA 1974 did apply. Additionally the Judge considered that this was ' settled law " and decided that the CCA 1974 did apply in this case. In repect of the claimed misrepresentation the Judge concluded that, of six specific examples of misrepresentations claimed by Miss G , five were misrepresentation that induced her into purchasing from Leisure Time Promotions including one which the Judge decided was " fraudulent misrepresentation" The Asset Link claim was dismissed and Miss G was awarded costs. So there does appear to be hope for us out there

Give it a go. Request a CCA from MBNA, then if you receive one post it up on here so people can advise you on it. Can be a hard slog with MBNA. Plenty of posts on them here. Good Luck

Yep. Dca told me to suspend payment until they obtain CCA . Different DCA to you, but if they do not produce a CCA you can legally stop payments. If you want to be kind to them it puts you in a better bargaining position if you request a F& F settlement figure. Debt does not go away, just means that it cannot be enforced in a court of law. But you don't want to do that do you ?!!! I know I'am not, just waiting for them to write it of;)

If you are genuine and not just advertising so called firm, you can do it all for free by following advice on this site. Never pay money up front to strangers. Regent St. is full of accomodation addresses. It always seems to be first posters that bring these 'firms' to light.

Goldfish has been owned by several firms over the years and the chance of Barclays finding a CCA is pretty slim. Mine has not been found after 9 months. So hang on in there

Holy S***

Yeah and where have those transport firms gone to that usually complain ?

You can sign it if you want, but there is a rumour out there that some creditors might lift it and use it,if they have not got your signature on an agreement. So do not sign just in case.

Yep, they certainly are. I had a letter of them the other week saying my debt with MBNA had been placed with them. Now today have had a card in an envelope from Allied International Credit saying that any payments must be made to them. Wish they would make their minds up !! The contact name on card is... wait for it Mr A Dickey

I did one with CCCS a few years ago.The figures I came up with allowed me fifty quid to pay creditors. But when I gave these to CCCS on the phone , they whittled them down even more, that I was just down to paying token payment of 1 pound each to 5 creditors. They told me to put down more in the emergency fund, more for clothing and to have something left to spend how I wanted to. You have to have a life as well, I was told. Was quite happy with that. And that is all I am paying. If in doubt just massage the figures. At the end of the day it's your business not the creditors and you do not have to supply this information only a court can demand it.

Yeah, I thought that. Any way apologies all round, your the one that brought it to everyones attention,cheers.

Thanks for reply, doing are bit to keep these [problematic] in their place. As you say, as soon as someone inquires about one of these so called firms, someone comes to their defence straight away. Very suspicious. Timeshare Owners you have been warned.!!!!!!!

I have done it with a few of the muppets,they usually hang up , so we must all be doing something right. I have heard it's something to do with Data Protection,they cannot give out information to a stranger. But they want us to give info to them. Yeah as if.

Send them a letter in Welsh.

You could tell them the wash cycle of your machine. I know the MINIMUM on ours is one hour twenty minutes, times that by five = 6 hours 40 min then you have to dry and iron.Plus there is loading & unloading machine plus sorting. So ask him again where his pure facts are coming from . Perhaps he just washes his socks!!

Sorry about that, should have put Google Income & Expenditure Then scroll down page and Debt Advice should be top one after sponsered links not sure how to do a link!!

If you Google Debt Advice Then go onto Completing Income & Expenditure Form all will be revealed

Was the reply I expected, company is good

Yes it is true. There are many companies offering these type of services usually at a price. What you have to remember is that they cannot guarantee that your debt will be written off. You can do the same thing yourselve for free by getting advice from this site. Many of the firms doing this will rip you of and you could end up paying more than you owe. It might help if you gave some details of so called company you are dealing with ie what they are charging you. Then someone with more knowledge off this area will advise you more. But my advice would be to steer clear of them.