Hello, TLDR version: I refuse to pay my month notice of gym membership because I couldn't reach anyone there for 6 weeks. Impossible to explain this to the gym as they won't reply to me, only get automated replies. Full version: I should have read this subforum before cancelling my membership, for the good advice of sending a recorded mail. But I havn't so I'd appreciate if you could give me advice. Here are the basic facts: -2013. I stopped going to the gym -Sept 2016. I finally decided to cancel my membership, yes I know I'm an idiot. -I called them every week, left messages with my membership number, etc... no call back, nothing. (i have evidence (phone records)) -I visited the gym, got told the membership guy is on holiday, also get told he doesn't always respond to messages, also got told he doesn't deal with cancelations. unfortunately I got told that in person so no record. -Called my bank to cancel the DD as this was the only option. -Finally, got contacted by the main company, 1life, as - surprise! - they couldn't collect my payment. Unfortunately these were threatening letters, text messages, and recorded messages. -I e-mailed them and left them a telephone number. They never called the number I asked them to (keep calling my mobile instead which I can't access in office hours), and left more threatening messages. -I finally got a reply to my email around the 20th October, they said they accepted my cancellation request as of my email to them, but I'd have to pay the last month of membership. -I replied that I don't accept that and I asked that my cancellation date was entered as September which is when I tried to contact them initially. -The didn't reply but they passed my "debt" to a collection agency instead and added 20£ to it. All in all, they sent me just 1 e-mail, over the last 5 months. Rubbish customer service, unable to even process simple information and reply to messages. Do I have to pay? I'm not concerned about the money and I can afford it, but it makes me rage inside to be treated like dirt by a company I've already paid much more than was due to them. I'm kind prepared to go to court just to prove my point. I'm happy to produce all the emails to them as well as records of the calls I made and proof that they just never called back the number I gave them. Is it worth it though? What do you think please? Should I just shut up and pay up ?? Is there any other way out? Is this going to screw up my credit rating for something so stupid ( I don't have any debt ) Are they entitled to my money when they can't even provide basic service? First world problems, I know... but thank you in advance for your advice.

I'll try to keep this as short as possible... I took out finance for a car with Moneybarn back in November 2015, amount borrowed 9k, amount to repay 16k (roughly), £280 per month. In January 2016 I lost one of the two jobs I held, reducing my income dramatically. I fell behind on January's payment and contacted Moneybarn within a day or so of the money being returned from my bank account. I spoke to a lady and explained my current financial situation, I asked her if it would be possible to help me through this temporary bump in the road. I was asked to fill out an affordability form, however, far from helping me, I was instead told that I was deemed unable to afford my monthly repayments (which I already knew) despite my numerous requests for a temporary lower payment plan, which I was happy to pay interest on, she refused. I received an arrears notice shortly after, and swiftly paid it. In February the same thing happened, my repayment for the end of the month was once again returned due to lack of finances. I didn't want to just ignore this, so I once again contacted Moneybarn customer services and spoke to a very arrogant gentleman. I explained my situation and pleaded for a lower repayment amount until such time I find a second job again. Despite this, he was adamant that this would not be possible, and pressured me into agreeing upon three "exit options". He vaguely described what each option meant, and when asked to send me this in writing - so I could carefully consider each option - I was told this was not possible. He told me I have 20 days to find second employment and provide proof of my affordability for the original £280 per month. I said I would do my best, however, a month later and I am now two months into arrears (Febuary & March) and I still only have one job as I have been unable to find second employment so far. After my last phone call to Moneybarn Customer services in which I was spoken too in a very arrogant manner and felt pressured into agreeing something which I didn't fully understand without being able to properly read the details - I decided against contacting them via telephone. I instead wrote a letter on March 15th to Moneybarn's head office, detailing my current situation and requesting that my account be frozen until such time we can agree upon a fair outcome. Exactly one month later I received nothing in reply from them, so I decided to email them instead attaching my original letter. In response to this I received an email saying "Sorry we cannot discuss this matter via email, your account has been passed onto our Asset Management department, please call our customer service number" even though, I quite clear stated that I did not feel comfortable discussing this over the telephone and wanted written information where I can carefully read and consider what is being said to me. I once again requested for a postal address for their Asset Management department, in response, my request for an address was completely ignored and I was instead told their next action is to appoint recovery agents to come and take my car, and if I would like to discuss this to call their customer services... So far they have ignored my original letter, ignored my requests for written information of what is being said, and avoided helping me in every possible way. Despite their tag line of being "committed to working with customers to resolve any issues". I don't quite know what to do next, or what options are left for me? Any advice would be greatly appreciated!

I sold an item on ebay, marked as collection only, and my buyer chose to send a courier to collect. I agreed to this to facilitate the sale - yes, everyone has told me this was a mistake. Buyer made all the arrangements, using Shiply - that was her mistake! Courier duly collected the item - a hand-carved coffee table sold for £250 - but has never delivered and will not return emails, texts or phone calls. In short, he has gone AWOL and taken my table with him. Ebay, of course, have taken £250 off me again and given it back to the buyer. Neither of us has the table. So how do I recover the goods? My buyer seems either unable or unwilling to trawl through her emails to find her booking confirmation, but in the meantime I have found his name (though I suspect it is false), email address, phone number, a copy of his terms and conditions, the city he is based in, and I have his van make and registration. What I don't have is an address, or my table, or £250 Can any one advise me on my next move.

Hi all, Firstly forgive if wrong forum!; not sure where to post. I own a flat in a block of 2. The downstairs flat sometime ago got repossessed by the lender Northern Rock. During that time there was a leak (I cannot prove if the downstairs tenants were resident at that time but have information to proof NR were contacted and did not react). The leak went on to cause subsidence affecting the entrance way and hence both flats. The insurer wants £1,000 excess. NR do not respond (I expect them to pay half). Equally the roof (in the lease both flats are responsible for) needed repair at cost of £620. I asked NR for half - no reply. I got my solicitor to write to NR especially about the insurance subsidence issue - no reply. Apart from being complete £$%£% ; what should I do? Is it worth small claims court? (i.e. is this a valid issue in that respect) ; or do I just give up pay £1000 excess and also the £620 for the roof repair. Any advice welcome. thanks