I am a new member (12 month subscription) at a sports club that I have recently learnt is soon to run out of money and is no loger able to pay it's debts to the bank (just under 1 million in total). This is a members club, not a Ltd business. The general consensus is that the bank will take over the running of the club, and eventually it will be sold to a buyer and current members will not really be affected either way. I am not so confident. Would there be any legal requirement for the new owners to honor existing members? Or would the bank even continue running the club and not simply shut it down.

not going to mention to much on here to retain my identity recently had a motoring accident, third party flew round blind corner not giving me time to react I took car off road onto verge to avoid other cars path. the other car DID make contact with my car and drove off. Notified insurance mid night doesed up after injuries substained in accident myself and my passenger and foolishly stated there was an additional party in car (Have Requested audio recording), dont know what I was thinking but this was initial day only and have maintained since over 2 weeks that only myself and friend were in the car. I had taken strong painkillers after crash and before I phoned I understand its not an excuse but the additional party claim was spur of moment never proceeded or even any claim submitted. The insurance company have not been the best to deal with since day one, questioning everything over telephone despite several emails requesting communication via email only I requested this when I suspected there was an issue with claim. They have today declined to validate my claim due to apparent discrepancies in stories. The claim was submitted over 14 days ago, the insurance had there backs up since day 1 had to obtain several documents off dvla and other agencies also asked why i was not on the electrol role. The assessor came out with 48 hours after accident although insurance wont disclose what report states although dvla have told me car been written off. I have submitted a subject access report as i have had nothing in writing and all this communication has been via telephone and phoning the other parties directly after each other questioning useless landmarks and figures. The police have recorded this as a hit and run and have crime number but not investing due to lack of cctv and third party car type is common. My car is still outside my house has not been collected, my passenger at the time has substained a cracked rib, seatbealt injurys, sprained wrist and whiplash. I have broused my shoulder and my neck aches, Please advise guys I have never signed to say there were more passengers i was foolish although i could have been asked who I was with which would have resulted in me naming the third person as they were at the location I dont specifically recall saying they were in car, call recording has been requested the last 3 days but and my incident report clearly states the events. They requested document after document and when i today pulled them on policy wording of we will make you a settlement within one day of receiving all requested documentation, i was phoned to be told my claim was not validated being void. Have been very awkward to deal with from day 1.

Hi All, I really hope someone can help me. Long story.... Basically I run a non profit (No money involved at all) blog on a popular blogging website. About a year ago I bought access to a well known German photo website and proceeded to use their images. About a week ago the log-in stopped working, although I found a way around it by using an old login registered to my real name and home address (*shakes head*...I know, I know...) So this log-in worked until Monday, then a message stated my account was "locked" appeared...Like the idiot that I clearly am, I emailed the company asking why my log-in was blocked and when I didn't get a reply, I registered again with a different email address. Yesterday they sent a message back advising that they would "Pass my details to one of their UK partners who would take action against my activities using their website" Then I got a message from the blogging platform I use, warning me about copyright violations. I emailed them back asking if it was specific to me or whether they were sending it to all their users, they then replied and said that they had receieved a complaint from a copyright holder about images I had posted and advised I should remove them. They also stated that if the images are removed, no further action will be taken - although I think they mean by them, rather than the photo company. I will be the 1st one to say that I have been a complete idiot, I am in the process of removing all images from this company but I am completely terrified of being sued. I am just a normal person and I don't have the means to pay a large settlement fee or even hire a lawyer. I am just asking for advice as to how to deal with this situation. If the company makes contact, do I acknowledge their letters or just ignore? Thanks.

Hi all, I could do with a little advice please. In October 2011 my (now estranged) husband started a job, and his contract stated that he would get paid on the last working day of each month, and expenses payments would be made on the 10th of each month. Since the start of this year payments were getting later and later, causing our direct debits to bounce resulting in bank charges. We claimed these charges back on the expenses as the employer fully accepted that this was his fault. However we have not received expenses payments since mid July, and the last salary received was on the 24th August - which was actually July's salary. The employer kept coming up with excuses and promising the wages would be paid (always promising next week!) - meanwhile my husband was doing everything in his power to continue working and meeting his commitments. At the end of September he resigned from this job in order to take up a new position but his ex-employer is still ignoring all communications (calls, e-mails, formal grievances etc). In addition he has not had a payslip since may or June and we have no idea if tax or NI have been paid. The result of all of this is that my husband and i have separated as we had absolutely no money coming into the house and i had to protect the kids and keep a roof over their heads. What I need to do is figure out how to trace whether the tax and NI have been paid (this may also help with a tax credit overpayment that i need to sort), and what (if anything ) my husband can do if the ex-employer hasn't paid these things. Any advice would be immensely helpful right now because sorting all this would enable my husband and I to hopefully put our family back together! thanks

I work for a large bank. There is a 24 story tower I work in. My line of business is more research orientated with little phone calls. Recently my boss moved me and my coworker to a floor that is a high production call center. We had been moved because the floor we were on was too loud to focus on our work. Our manager respected that enough to move us. But he moved us to an even louder environment. I asked to be moved to a better area because the reason for the move to this new location was simply because of a noise issue. But now we're in the middle of a large call center. It's even harder to focus on our work Would I have any grounds to complain to HR to get them to move me to a proper location? Thanks!!

I received a letter today from black horse basically it says. The ppi policy you complained about was associated with a loan which was part of a chain of loans.these loans were settled early with new loans. I have fully considered whether you were eligible for the policies whether the policies were suitable for you and whether we provided appropriate information to you in relation to your ppi policies. I am satisfied that there were no issues with the sale of ppi,however due to the way that we calculated the rebate due on settlement or cancellation of a single premium ppi policy, you incurred costs when you settled or cancelled these policies compared to what you would have paid if they had not been single premium policies. Due to these additional costs your borrowing for the subsequent loans would also have been higher than you needed it to be which in turn increased the size of the monthly repayments and also attracted interest. As a final response we are able to offer you a payment of £308.51,this represents a refund of the extra amount paid by you at the time that the policies were settled or cancelled and also the additional amounts that you have paid due to the increased borrowing on your subsequent loans. Above is the main points from the letter. I read it as You did have ppi, but it was sold correctly so your not getting anything. The rebate you received was wrong and this cost you money on subsequent loans so we will give you £308.51. So the advice i need is what should i do? accept the £308.51 or not? Any advice welcome

Hi, My car was in a local dealership having the air-con gas refilled. When called in to pay for the job, I was notified that they had found another fault. Apparently when lowering the passenger front window, the cable used to open/ close the window snapped, causing the window to drop. Citroen has told me it'll cost £380 to replace the unit that raises/ lowers the window. Do they have any liability whatsoever? Thanks in advance...

As I have been getting some great help from this site regarding my old debts, I thought I would ask here on behalf of my Daughters Mum regarding a debt she has been paying that I think was maybe statute barred BEFORE the DCA started taking payments from her. I am thinking they tried their luck and hit the jackpot with her. Around early 2002 (She is looking for old statements today to confirm date) She was offered a loan from Barclays which she agreed to, she made a few but not many repayments to the loan but stopped due to losing her job and then having our daughter which meant she couldn't afford to keep up the repayments. On 01/09/2008 Mackenzie Hall took on the debt of £7,375.94 and took her first repayment on 10/10/08 of £40. Since then, they have taken the following payments: Statement Page1 Date Type Amount Balance 10/10/08 Payment 40.00 7,335.94 09/12/10 Payment 40.00 7,295.94 06/01/11 Payment 40.00 7,255.94 03/02/11 Payment 40.00 7,215.94 03/03/11 Payment 40.00 7,175.94 31/03/11 Payment 40.00 7,135.94 28/04/11 Payment 40.00 7,095.94 26/05/11 Payment 40.00 7,055.94 23/06/11 Payment 40.00 7,015.94 21/07/11 Payment 40.00 6,975.94 18/08/11 Payment 40.00 6,935.94 15/09/11 Payment 40.00 6,895.94 13/10/11 Payment 40.00 6,855.94 10/11/11 Payment 40.00 6,815.94 08/12/11 Payment 40.00 6,775.94 26/01/12 Payment 40.00 6,735.94 23/02/12 Payment 40.00 6,695.94 29/03/12 Payment 40.00 6,655.94 31/05/12 Payment 40.00 6,615.94 Am I correct in thinking that providing she made no more repayments from 10/10/2002 at the latest and because the first one to MH was 10/10/2008, that this debt would've been statute barred before they started taking money from her? Which would mean they have been obtaining money erroneously? My next dilema is, what should be the next steps we take regarding this? She has already checked her credit file and there is no reference to this debt at all, no defaults etc and it doesn't show on there that she owes anything. I only found out about this from her yesterday when I mentioned my debt that I'm trying to sort out.. She has been bullied by these people for almost 4 years, she said they ring her every week demanding that she checks she has enough money in her account for them to take, they have her debit card details and can take money basically whenever they wish. Last week she was apparently threatened with Bankrupcy and Door Step Collection.. She is a very small, shy girl with 3 young children in the house and shes now terified when the doorbell goes. She is also the mother of my daughter so I would love to get this solved for her, I know it would be a huge weight off her shoulders. Thanks in advance for any help you can offer