The lender is 1st stop homeloans for conister bank. It's secured. It's my husband applying because he is a Taxi driver renting at £140 a week but because he's only been self employed a year he's struggled to get anything, the apr on this loan on my eyes is crazy but it would still earn him a car and be cheaper per month than his rent BUT having read the small print I can't accept the risk, especially on our house. Could they literally increase the interest to anything they wanted with no justification as to why?

Good morning please could anyone offer at advice on a clause within a fixed sum credit agreement which reads "we may from time to time increase or reduce rate of interest after giving 30 days notice both as a result in interest rate changes which applicable to all borrowers. We may vary the rate due to changes in our underlying fund or input costs. Variations in the rate of interest under this agreement are not in line or linked to variations in BOE base rate" Is this very dangerous ground ?? I thought fixed sum meant just that? Any advice would be appreciated. Many thanks Hayley

http://www.fftraining.co.uk/forces-fit

Good morning, its actually Daniels Silverman chasing the full balance plus admin charges, I denied the sum is due however they are threatening the next step of county court proceedings.

Sorry if I've been vague. To answer your questions, I joined over telephone 18th Feb cancelled direct debit the 6th March with them contacting me via email on the 10th March with a noctice of intended collection notice. I never cancelled with them direct, as I didnt realise I had to. I will try and post a copy of their link

I made an internet enquiry to complete a taste day and received a confirmation/ reminder on the 14th Feb, the taste session was on the 15th. We were told that if we joined on line within 24 hours of the taster that no admin fee would be charged, a saving of £20. I did not join. I was contacted by telephone on the 18th February to enquire why I had not joined. I was told if I did join they would still waive the £20 fee. I enquired about the cost, but at that time could onyl be told standard monthly cost (I work for NHS and there was a discount) and that as I was NHS I would have a discount. I was on the bus on my way to work at this time, the whole call was rushed. I gave me account details to set up a direct debit and was told I would receive a welcome email later on confirming the monthly amount. I received this email, and being honest did not read the terms and conditions at this stage. I had no idea that I had entered into a rolling contract and had no reason to beleive this. I was led to beleive it was a monthly fee, no indication of any notice was given. This isnt a standard gym its a local thing and I wrong assumed it was a pay monthly thing. First payment was due 15th March. I cancelled the direct debit. Received email stating notice of intended collection which then relayed all t&c's I had agreed to, inclding six months minimum term, together with extra fees for dca transfer. I reinstated the direct debit citing an error as it was at this stage I realised the commitment I was in. Next payment arranged 1st April but again I cancelled this. Direct debit was not reinstated after this point and I have received numerous emails and eventual letter from Daniels Silverman. My job has been in consultation now for a while and redundancy is the likely option for me. I am stupid for giving my bank details, as I fear now that this is a confiramtion that Ive accepted terms and conditions. Even if there were provided to me straight away, there is no mention of any cooling off period. Hopefuly thats enough information to go on, it may just be worth paying it to close the whole thing

Sorry it's called functional fitness they're a local place they have a website but no info on t&c's is available unless you log in as a member

Hi thanks for reply, I had the taster session early February and haven't paid anything. I never realised I had to give any notice to cancel I just assumed you could cancel at any time. I've never attended either. However in the t&c's received after the direct debit set up I can see a six month rolling contract period plus agreements for added charges for referral to dca and agreements to pay all six months if cancelled a total of £280 plus now dca charges too £360. It's just a local company energise fit like an outdoor pursuits thing. My argument is that if I had have been told of these particular terms then I would have know. It wasn't for me. A ccj over such a low sum seems silly but I'm really wanting to stand my ground on this

Good morning I was hoping some valued advice regarding a situation I am in. I had a taster session with a local running/activity club. After this we were told of we joined within 24 hours we wouldn't have to pay the joining fee. I didn't join but was contacted a few days later by phone to ask why not and was persuaded into joining over the telephone. I wasn't informed at that time of any specific terms or conditions or what the monthly fee was because the guy wasn't sure. I was only able to see t&c's after a direct debit had been set up and I received a welcome email at which point the fee would be confirmed. I have not attended the club at all since joining. The truth is I'm facing redundancy at work and suffer from a back condition since a car accident which is sometimes fine sometimes painful. At no point was I told that I was signing up to a rolling 6 month contract. I cancelled my direct debit and received several emails threatening dca involvement and small claims court process. I re-set the direct debit but again cancelled it when my salary wasn't paid. I am now in correspondence with daniels silverman who have said they have their clients instructions to commence court proceeding and that I signed up to all this when I joined. But I didn't. I didn't join via the website whereby you click to confirm you accept t&c's and none were given over the phone. Can anyone advise where I stand on this. Am I likely to end up with a ccj here when in reality I feel like I've been taken for a bit of a mug. Should this company have furnished me with such important t&c's before confirming my direct debit??

Hi all, thanks for your replies, I didn't receive any notice but cabot sent a copy when I sent the I do not acknowledge this debt letter to them. I clarified with blackhorse by phone that they had sold the debt. Cabot have offered 30% discount which I couldn't afford even if I wanted to. I curreny owe 3800. I am in the process of SAR to blackhorse to see what charges etc I might be able to claim back I know there's a lot, and I'll CCA cabot. I'll keep posted and thank you so much for the help and advice

Hi there I have been able to check my credit file today. The original debt to blackhorse is showing as settled?? And no mention of Cabot. Can anyone shed any light on this?? In the post today I have received a full and final settlement offer from Cabot ?

I've been making payments to ascent for nearly a year now, I owe blackhorse about 4700 and have been paying 25 a month. I've not heard off bh or ascent and continue with my standing order. I absolutely won't speak to Cabot. Upon receipt of their first letter I wrote off with the standard I do not acknowledge this debt, and asked for evidence etc, but since it's I've received numerous letters, with no regard to my request. Is there a time limit before I should write back, I'm really concerned I've heard Cabot go for ccj's and enforce sales of houses (not that I have any equity in mine. How can they just expect me to start paying them something they've provided no proof of? I don't understand the system

Anyone???

Please help I've been advised by some good people on here over last year regarding some debts, I am in payment arrangements with all however regarding a black horse loan from 2007 I was paying a dca called ascent with interest frozen by black horse. However out the blue last month I received a letter from Cabot saying I had not met the agreed payment and to contact them. There was reference to a black horse loan in their letter. I write on 5th nov stating I did not acknowledge any debt and to provide evidence, since thus I'm inundated with letters and phone calls. I sent letter recorded, which has been received their end. I really don't know what to do ice heard Cabot can file for ccj'a quite quickly

Hello, My accou t was created over the internet a good six or seven years ago. I ran into payment difficulties last year following the birth of my very poorly baby and was not able to return to work after my maternity leave. My income was therefore greatly reduced and continues to be. next would not accept my payments as per an income and exlpenditure form submitted to all my creditors. I owe £888, increased a lot since last year due to charges/interest etc. In October, next wrote to me saying they had no signed credit agreement on my file and asked me to sign and return the enclosed one, which I didn't do, and which prompted a few responses on here. Since this time, they have continued to refuse payments offered although I have payed £1 a month to the account by standing order. over last few days I've had mobile calls from Lewis Group and today a lovely letter decorated in red ink stating Final Demand, I've basically got 7 days in which to pay otherwise legal action will be commenced. I did write back to next when they admitted not having a cca, but no response was received. In light of the fact that they don't hold a cca can I be sued in a court as this would suggest to be the next step by Lewis Group? I Intend to reply by letter to them tomorrow, but any pointers in the right direction would be greatly received. Thank you so much.....Hayley

Dublinlane - how come your ex has claimed tax credits for children who do not reside with him, or why have you allowed him to do so? Are you sure this has not been a joint claim with him and he's had money paid to him? If it was a joint claim, that should have ended when you split and a new single claim made by whoever had the childre. There is obvious a lot of questions about this case, if you have received overpayment letters then it seems obvious this has been a joint claim, or a single claim for you but for some reason paid to your ex's account. Either way you've forfeited money you might have been entitled to. Why arent you making a joint claim now with your current partner? I wouldn't just sit on this, HMRC are now hacking paye if overpayments aren't ra-paid, or at least repayment plans agreed.. Why don't you call into your local job centre/ tax office to see if you cn get advice there, or at least have use of a phone to call the tax credits helpline. How long have you and your ex been split, have you not received any award notices or renewal notices etc. If this is a joint claim and your ex has been receiving the money rather than you, and you knew about it, then I don't really see what else can be done other than meet some kind of repayment, however if you never knew about your ex's claim, and you can prove it, then your ex could be answering a few awkward questions as to why he's been claiming for children that don't reside with him. Have you any further information??

I moved from this account when I first went into difficulties and now have everything paid into a nationwide account. The only thing paid into the above now is £1 a month. I will start a complaint with bcobs - thank you so much .

Hello again, I hope everyone had a great Christmas and new year. I am slowly getting things under control here, and have payment arrangements in place with interest/charges frozen (for now) on most of my debts. I am now having trouble with Halifax and the overdraft. I was within my overdraft when I wrote to Halifax initially to express my hardship, I advised that I could pay £20.71 a month and sent an I/e form in. I received a letter from them advising that the payment was acceptable, and no further charges would be made to the account whilst it was bring passed to their customer debt dept. Two months passed with no charges, except the account fee of £15 which took us into unauthorised overdraft anyway, but no overdraft charges were made. Then in October full charges were made, totalling £45. I immediately wrote to them saying if they were now adding charges, I could only pay £1 and since then I have been paying £1 a month. Since November, I have been being charged a daily rate of £5 for being unauthorised plus £15 a month account fee. it annoys me that it is their fees alone that made me go into being unauthorised o/d but as you can imagine by 4000 overdraft is now escalating. i know ultimately, I can try and claim everything back and am going to start a formal complaint and do sar that way. I have wrote to Halifax numerous times, but no responses received since their initial letter. today, I received a letter from SCM solicitors and panicked at first, from this site, I was immediately calmed and reassured to learn that they are actually an in house tactic. I am beng threatened with court action if I do t pay full o/d off in 14 days. I love the way they think I am just sat here with 4,400 available desite only paying a £1 a month!! Plus I didn't think you could be sued for an overdraft, but I'm probably wrong. Could anyone offer any advice on what I should do next. I can afford only £1 token payment at present, which they obviously will not accept

Haha that made me chuckle. If they are in breach of SAR timescale, can they continue to add interest, charges and serve default notice (default was received after submission of SAR) .....

Honestly out of the £4000 I owe a quarter of that will amount to charges and fees. I submitted a SAR but nothing received yet. It was only two weeks ago I got a letter from Irwin Mitchell threatening further legal action. Could it be that there is something amiss with the cca?? They openly sent me a copy not too long ago. It's all speculation I know

Yes it is, shows the date taken, date default served, amount etc. Is offering ffs common? Wished. I had some spare cash to offer to get rid of all this worry

I did yes, is there something I need to be looking for?? best wishes Hayley

BB your advice has worked wonders, since sending some of your recommended letters, although I've received no responses, tbe calls from at least Ascent (Blackhorse) and Barclaycard and Mercers have stopped. I've received a letter today from Ascent for Blackhorse and don't really know what to make of it. It says the arrears (£1,628) plus total outstanding balance £3,901 then asking me to co tact them to discuss and full and final settlement. Obviously, I won't contact them by phone as they have suggested, but does anyone have a clue what sort of percentage they would be looking for? Realistically I have no money, but could borrow 10%, possibly 15% off my parents although am sure Blackhorse would laugh at this figure. I currently pay £20.71 a month and there is not much chance of being able to pay any more in the foreseeable future as my employment is being made part time so that I can care for my poorly baby at home. This offer is only open for ten days

Thanks for your response BB sorry I've taken a while to get back, I wanted to wait until the 3rd to see what the state if play was with all accounts. I'll explain more about each. Blackhorse (currently being dealt with by Ascent) who are now ringing up to 10 times daily off three different numbers, I don't answer any of them and am in the process of changing number through O2. We've got ridof landline recently so they can ring that until the cows come home. This is despite five written instructions to only deal with me by letter. b/h agreed to freeze Interest and charges on account for initial six months I thought this was great news. I came to payment arrangement with Ascent £20.71 a month (I owe just under £4,000) started paying once CCA was received from b/h (which I'd requested and paid £1 until it was received). Then out of the blue I get a letter from Irwin Mitchell (who I think are Ascent??) with big Solicitors Demand written across front, saying I haven't met terms of agreement and need to pay full amount or else. But I have met agreement. I have paid the agreed amount on the agreed day, having just paid the 3rd payment this week. The problem is I'm not at work at present due to poorly baby since birth and I have to trek half way across town to get to our Library to reply to these letters and it is becoming really stressful. I havent replied to this latest letter as yet, but have kept to the agreed payment anyway as I thought it would be in my best intrests. There are lots of charges and hidden fees I am currently raising separately with Blackhorse. Loan taken out 2008. Barclaycard are just a joke, I did a SAR, there were a few charges from years gone by to claim back which I will do, but the CCA I disputed as it was merely an app form, therefore, until they provide a CCA I am paying £1 a month, have done now for three months. B/c wrote to me stati g they have received my request for CCA, but this was about a month ago and to date I've received nothing. I do t believe they have one. However, again, this month they've added interest and charges therefore my £1 a month is not really paving the way to any resolution, which is why I wonder if it would be best for me to be sued through courts, then get a set figure to repay, at an affordable rate. I currently owe £3,500 dating back to Aug 2002. I'm getting called by Mercers again from a host of different numbers despite letters sent requesting letter contact only. I will submit complai ts as per your previous reply. Halifax froze interest on £4,000 overdraft for one month only. I was paying £20.71 but this month dropped it to £1 when they sent me a statement of charges totalling £50. They also charge me £15 for the ultimate reward despite me asking to reduce the account to non fee one, but they say whilst overdrawn they cannot do this. Again, this is another letter that I have to respond to. I have sent hardship letters to all the above, as well as SAR's and CCA requests and contact in writing letters. Next directory I can cope with, I owe £700 but they admit to having no CCA therefore I'm paying £1 a month. Taken out 2004. I don't expect these things are dealt with in any kind of hurry and each creditor will attempt to milk me for anything they can, but being bombarded with calls and letters is just overwhelming me, rather than al these letters threatening courts etc., I don't know why they don't just do it I'm convinced it will be beneficial to me. Thank you for any ongoing help and advice, it means the absolute world to me

Please can someone help me. Since all of the above, I have maintained agreements I thought were in place, however, I have continued to be harassed like mental by telephone fro Dawn until dusk, it's really beginning to affect my health and I've been to my GP. I have received statements and am still being charged interest and charges. I have been doing some serious thinking, about cutting all payments to £1 and asking the creditors to take me to court?? is this something they will do automatically if I asked or would it all still be really drawn out trying to amount my debt up. I've tried so hard with these companies, have lept an audit trial of every letter sent, blackhorse won't reply to SAR and barclaycard won't produce a cca, nor Next. I have a mortgage which is in minor arrears, but the house is worth probably everything I owe and if I was to sell I'd walk away with nothing, would a court make me sell the house does anyone know?? I have two children under 2 and a 12 year old. I've even considered selling off things out the house but in reality this would make little difference I already live in a time warp when it comes to furniture. I really need to know whether requesting court action could benefit me rather tha having dire consequences and being forced to pay more than I can afford?? Thank you so much Hayley