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TheScrapMan

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About TheScrapMan

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  1. mate i would go with the repayment plan. make sure though you triple check the form to make sure they can't ask you for more money by manipulation. afterall, if they can make decisions in seconds about you I&E it must be a computer which would only run a series of IF statements like =rent+gas+etc is less than smoking, goodies, etc, you know. they'll most likely try to use the form to manipulate you. your credit score will be crushed even if you do set up a payment plan before default i think, if you cannot afford it they cannot have it. simple. good luck
  2. thanks very much for your help. i will resend the cca request with the fee and see what happens. thanks
  3. also, i did not pay the £1 fee for my cca request does this matter?
  4. sorry i dont know what TSM means. the documents they sent me has two peices of paper with two signatures on each. There is also the signature of the sales rep who sold me the membership. i dispute this because the sales rep sold me 12 month instead of a 3 month rolling contract. he must have been on commission to do that to me. when i signed inside the box on the screen there was lots of tiny "la fitness" logos in the background of the signature box. it is very obvious that the 4 signatures or scribbles are exactly the same as each other. also, it is very easy to see that s
  5. hey there everyone. i have put a cca request to arc europe ltd about a debt to la fitness fot a gym membership. they sent back a copy of the terms and conditions and a credit agreement form sign by me 4 times. the thing is though, i only signed one time and it was using an electronic touch screen so the signature is more of a scribble. it is very obvious that the credit agreement signed by me has been copied and pasted from the original electronicl document onto this credit template letter thing. can they use my signature four times even though i only signed once? i
  6. Remember to send it recorded delivery! Its a must and do not sign it.
  7. personally, i would report this to the police get a crime number and take it to the job center they should reimburse you. also i am pretty sure that if you show cash genie your bank statement they'll give you the money back because it is 95% sure they cannot take your benefits. if all else fails send the crime number paperwork to cash genie aswell and demand your money back. if all that fails or you need money now go and get a crisis loan or ask to see a hardship advisor from job center. also complain to oft, fos and write a letter to your mp. i hate things like this and if
  8. personally i wouldn't even send them letters or even open their mail. if your sure you have had no credit for 10 years then you are completely safe. you could send a statute barred letter and this would shut them up for good. i hear that a creditor can try to enforce a debt even if it is statute barred until they're informed otherwise. if this debt wasn't time barred when you sent the letter you may aswell pay it. saying that if you had any debt especally a default on a catolouge then it would be on your credit report. defo ide ignore them.
  9. i wasn't given any paperwork when i joined. Can i do a cca request? or have i got to format my latter in a different way because its not really a credit agreement is it? or is it? thank you
  10. Hey there everyone. I took out a gym contract with la fitness for 3 months and then i could cancel at anytime after that. Well that's what i was told by the salesman at la fitness. I signed up at a computer inside la fitness at their website. I also used a pen and signed the touch sentitive screen. I didnt read the terms and conditions because the salesmen just kept blabbering on about how great the deal was. When i wanted to cancel they said i must pay £500 which is more than the whole contract is worth in the first place. I refused and told them that i am on a 3 month rol
  11. brighthouse charge £3.50 for each missed payment. If shes paying £140 pound per week then i would say give everything she has back to them. As its a hire purchase you can return the items at any time. You might have to pay some charges. 140 a week is pretty steep. She must have lots of stuff with them. I got a hoover washing machine from then and it cost £700 +352 interest + some insurance policy hidden charge crap they add aswell. The manager is probly just nervous because shes got lots of items i suspect. The bright house staff can be proper rude though i know that much. Also, if sh
  12. HEY THERE EVERY ONE. THE PART OF THE ACT THAT IS IN RED SAYS ABOUT STATUTE BARRED CANNOT BE STATUTE BARRED IF A CREDITOR/DCA DEMANDS MONEY IN WRITING. SECTION 5 OF THE ACT IS SIMPLE CONTRACTS WHICH I ASSUME IS LOANS/CREDIT CARDS STORE CARDS, ETC. DOES THIS MEAN THAT THE STATUTE BARRED TIMER RESETS EVERTIME I RECEIVE A LETTER? MY DEBT WAS A CREDIT CARD. 6 Special time limit for actions in respect of certain loans. (1)Subject to subsection (3) below, section 5 of this Act shall not bar the right of action on a contract of loan to which this section applies. (
  13. hey everyone. when i was 18 in 2007 i took out loans, credit cards and anything that i could get my hands on. i did this because im an idiot. i have never made a single payment to anyone. Not even to the original creditors. Now i am 24 and i have moved out of my parents house and into another house with my girl friend. i have transfered all my banks, driving licence, insurance details to my new address. since living here i have been accepted for a capital one secured card and littlewoods witha £750 limit. I thought i'd apply for a payday loan with paydayexpr
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