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Everything posted by LesleyDeacanjason

  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Thanks Both for the quick reply! Cancellation was done in writing by email. when i sent the email i said i will send band back in the post. i had just paid one month payment with me not attending due to illness. 15th paid DD cancelled membership on the 18th. Note came back saying dont send band back as we dont issue them any more (didnt know that) and to fill in the cancellation form online to complete the cancellation. Went online saw that they wanted me to accept new terms, so read them through and it was: Cancellation – after the 4th month your membership contract will become r
  3. HI All I signed up to a boot camp, stayed for over a year then went through the cancellation process, which stated notify in writing and send back wrist band. No notification of a fee extra. I advised them due to health that i was cancelling, would send back the wrist bank, and i have just paid a full month so that was ok. They sent me a note back say they cannot accept my email as cancellation i would have to go online to their form and fill it in. Ok so got on there and filled in the form, then saw it wanted me to accept new terms and conditions on cancella
  4. sounds like its their fault then. what contract did you sign?
  5. HI all I have just checked my file and found that MKDP have added an account in MAy this year for a total £2441. No idea what it is for!! Account date states 2006 This is the second time they have done it and im getting very tired of them messing with my credit file Is there anything i can do? I wanted to apply for a mortagate but this default has caused problems! Help
  6. I will get the agreement out and try and scan for you too read. They seem to be charging for charges on the account, warranty, car recovery and then repairing the car. Which i argued with them that nothing they stated was on there and i had photographic proof, so that dissapeared. Total is £1900, but i have gone over the VT point where you can hand back without any charges.
  7. Its from advantage finance. They are trying for charges, recovery of the vehicle and warranty. I have asked numerous times for account info. Nothing, got court letter, s o I acknowledged, sent SAR and hen filed defence including in my defense that I filed SAR. So far nothing, letter signed for, and postal order sent. What happens if they don't reply?
  8. HI All Any chance you can just clarify for me. I have had a court claim come through from a finance comapny, who i VT'd with. I have disputed the amount owed. Defense has been filed. I sent a SAR request and it was signed for on the 23rd December No reply from them. whats the next step time scale wise please?
  9. HI bridge hope all is well. Just wondered if you were in a position to assist with this. Checked my credit file and nothing from HSBC, it has dropped off my credit file. MDKP defaulting me from 2011, but its statued barred now and i would like them to remove all defaults its great that you can help, and Thanks again for you time, much appreciated
  10. Hi bridge. Hope you are well. Did you have a chance to look at a letter for me? Thanks again Best wishes Lesley
  11. HI Bridge Got everything from HSBC and there is nothing in there about default date. MKR sent me letter and again everything they had didn't show a default date. The HSBC data has now dropped off my credit file due to time and the MKR is still there with a default date og 2008, but this date refers to when they closed the case according to HSBC. what can i do to get them to remove the defaults on my credit history? thanks
  12. Thanks locutus I agree they should only be able to charge you out of pocket expenses. But agreed the damage is done as they have defaulted my credit file. Will wait and see what happens i think THANKS AGAIN ALL
  13. Its a tmobile account. What I can gather is they are charging me for remaining account?
  14. HI All Newbie to Mobile phones section and just wanted to know what the actual legalities are for mobile phone contracts If they cancel your contract for non payment can they legally pursue you for the remainder of the contract, even though had i known this i would not have entered into a contract? I would have thought they could only pursue you for their out of pocket expenses for calls made etc? Brief desc is didnt pay a £100 bill, they cancelled contract and now i am faced with £700 bill from a debt company Any help or advise would be useful. I am happy to pay for
  15. I agrgued the default as i had only missed one payment and was in constant contact with them. what would make the default invalid please Seq?
  16. Thanks all for the reply Apologies for the delay Its standard HP agreement. notice of default served and payments agreed to remedy default. once default is satisfied can you then VT or is that it all void? Nothing in my contract states that VT becomes void if default issued?
  17. HI What is the procedure for a VT with arrears and a default? Can you say VT? Ta
  18. I don't have that, they sent me a copy of the screen shot of judgment and their claim form which has Northampton I advised them I had no idea what it was for, and that's all they sent me?? So take it to Northampton you think? May be best place as that would be MCOL default place would it not?
  19. Hi All Quick question If applying to set aside a judgment that was obtained by money claim online, where would I submit the application to? Thanks LDJ
  20. Got my hsbc stuff! Massive box full! No idea where to start! What would I be looking for??? Confused.com default date from MK is 2008 but that seems to be a date they have picked?
  21. Goldstar finance charge a carry over fee of £30 per £100 borrowed. They have failed to include these as payments against the account. Can I include this in a claim I have against them, as they have entered a judgment against me at my old address even though I have proof they knew my new address as they wrote to me! About to have it set aside and I want to show these as payments against the account? Any ideas please Thanks
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