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Found 349 results

  1. Hi everyone. I could really use some help with this nightmare. I opened a GymEtc membership about 4 months ago. Somehow during the process the membership application got duplicated and i ended up being double charged for 2 accounts. I stopped the duplicate account direct debit, then get an aggressive letter from Harlands. I called them, explained the situation and they said they would close the duplicate account and refund the 2 payments. 4 weeks went by and I got no refund. When I contacted them again they said it had been initially rejected by GymEtc, then processed but still didn't make it to me or my bank. At this point I said i would collect the refund from my bank and contacted them to reverse the 2 direct debits on my duplicate account. I was very specific and gave the references and dates. They instead reversed 3 payments on the active direct debit then cancelled it. After this happened I called the bank and they admitted the error and reactivated the correct direct debit. I then called Harlands to pay the 3rd payment which should not have been refunded but they told me they could not take payment as this was not showing on the account. They told me they would watch the account and now call me when they could take payment. They also stated they would mark the account to not be charged. Another couple weeks go by and Harlands send aggressive correspondence. I call again to ask if i owe them and am told again that I don't own any money. Today they send me a letter saying I owe 2 admin fees of £25 each plus a membership payment. If i don't contact their customer care then my account will be sent to debt collection. I'm on my lunch hour, I have called them 7 times. I waited 20 minutes at one point for them to pick up, when they did, the person cut me off just after I finished the above long explanation. I am at my wits end and I now want them to terminate the contract with no fees. What are my options for resolving this now?
  2. Hi Guys Just joined the forum as had been looking for some advice regarding this issue. My partner is being pursued for a debt in Dubai in 2007. Until last week she had no contact with the bank since 2009, this being the year she left Dubai. We have just received a statutory demand from the infamous CWD which on advice we are going to set aside and dispute the debt they are saying is owed (over 180,000 pounds) from a c card debt of 18k. From what ive read many of you are in the same boat and we would just like a bit of advice whilst we share our experience to hopefully help some of you at the same time. Will keep you posted on how things go. My partner left Dubai in 2009 with around 18k of debt and until last friday had no contact with the bank in question. A guy came to the door and served a statutory demand on her and reading it we have 21 days to set it aside. I have read various threads on this forum and others and it seems there are hundreds of other people being chased by the same company (CWD). On doing a little research i have a few questions 1) as there is no reciprocal agreement between the UK and UAE can this be lawfully pursued 2) The timescale, can this still be pursued after 9 years ? 3) Will the setting aside of this demand require a solicitor to action this ? your help and advice will be truly appreciated thanks in advance
  3. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why each were misold. Before doing this I called Blackhorse again and requested a copy each credit agreement agreement they hold on file which they said ok but still fill out the form and send it back which I did. 2 weeks after sending of the form, instead of receiving credit agreements, I was sent each loans running Statements from the opening payments right up until the last. 2 do not show an indication of PPI. But the largest and earliest loan clearly stated PPI £1637.11 included in a total amount of £15,387.78 to repay back. This is on the first page of the statement. Ive keep asking them to comfirm and they keep saying that there is a strong indication and a final response would be provided The Final response date I was given was 18th February. But I received a letter today stating they need at least another 8 weeks to fully respond to the complaint. It’s quite frustrating that they are not providing a final response. I understand there busy and that’s why they have such sufficient time provided to them under their regulations. The reason they have provided for this responses is that they are busy and it hasn’t gone to the relevant departments yet. It funny because I’ve spoken to 3 different people so far during the weeks that have gone by and they have each stated completely contradictory stages as to where the complaint currently is positioned. 2 weeks ago someone told me it’s half way, a week later someone said it’s not even been seen yet by the case handlers and now they have decided to extend for another 8 weeks. I don’t know what to believe. I’ve mentioned to them that I’m going through hardship at the moment as I’m now disabled and require funds for a needed private operation and the money would come in very handy at the right time. Is this common practice or is there something more to it? Would it be wise to take the complaint to the ombudsman? What’s the best thing to do going forward? Given that there is records of each loan, whats the hold up? Could they be passing liability onto someone else, and would have they not of done that already to address the matter ASAP? Any advice or experience anyone has with dealing with Blackhorse PPI dpt is very welcome and I look forward to receiving everyone’s responses on how to best get a reasonable response in a reasonable time. Thank you
  4. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdraft together as one debt, and the remaining loan as another. Since the default in 2009, I have been making token £1 monthly payments to Metropolitan Collection Services; I have since moved house a few times and hence had no contact with them. Aiming to sort things out once and for all, I joined this site, and under some much appreciated advice, sent out a CCA request to Metropolitan last week. First Direct have responded, sending back my CCA letter (but keeping the postal order???), saying: The letter is not signed (didn't think I needed to) - they want me to provide a specimen signature My current address does not match their records (it wouldn't as I have moved, but my credit file address is up-to-date) - they want me to provide the old address to match their records. From this, I gather that FD still own the debt as Metropolitan did not write to me. As mentioned, my credit file is up to date with all addresses. Does anyone have any advice on how I should proceed? Are they trying to delay and does the time limit of 12+2 days still apply? Or, are they valid in their requests? Any help much appreciated Thanks AM
  5. I’m looking someone who can help relating to Reeds Rains, a property management company based in Halifax, yorkshire that I used up until October last year and who now appear to have sent me a claims letter demanding £633.90 I realise this is a relatively small sum but i'd like to see if i have any options and not panic and just pay. I left because when i signed with them the contract stated 4 inspections a year, i asked them not to do 4 inspections per year, 1 a year was enough as they're my existing tenants, i've had them a while they'd been great and i trusted them to look after my house. Roll forward 2 years i find out from my tenant that she'd been having to take time off work for 4 inspections every year and was being harassed by reed rains if she didn't reply when they were wanting to arrange them. She doesn't earn a huge amount so taking time off work was difficult and she worked at a hospital so having to sort out cover on shifts. Understandably she was frustrated and got in touch with me They also issued my tenant with a new AST and charged them a fee (which i hadn't realised) so on the 2nd year of being with them, i told reed rains i'd pay the fee for my tenant, count many many emails later from me to them to several people telling them over and over again that i was paying it, they were still harassing my tenants to pay the fee so again, my tenants is left frustrated and upset Responding to their emails and trying clear up their confusion was taking up so much time (and becoming stressful and frustrating for me too), I gave reeds rains 3 months notice (by email and i got a response back from them) and i thought that was that A week ago i found a brown envelope through my letterbox, i was a county claims letter All it says is i owe them £633.90 for a 'withdrawal fee' which i know nothing about, i can't find the contract i signed as remember scanning it and emailing it back to them but i can't find the hard copy Prior to this i don't think i've had any communication (I did have block their emails as kept sending me marketing information (gdpr?) Has anyone been through anything like this or offer any advise at all?
  6. My employer offers employees a payment if someone applies to work for the company on their recommendation, and the person they referred to the company stays with the company for a qualifying period. A colleague referred two people, and with each of those referrals she was told that the person applying hadn't put her details on their application form, which is a requirement to claim the reward. She knows as a fact that that's incorrect, because she witnessed the second referred person putting her details on their application form. I recently referred a friend, who accepted a position with my company. I've made multiple enquiries to confirm that I will be getting my payment if he stays with the company for the qualifying period. However, none of my emails have been replied to, and it feels like I'm being stonewalled (especially in light of my colleague's experience). Assuming that my friend remains with the company for the qualifying period and that the company doesn't give me the promised payment, what options do I have to recover the money?
  7. Hello Last year, me and my girlfriend joined an X4L gym on a monthly contract basis. We paid the first month on the spot when joining (28th Oct) and shortly after had a bad experience. I went online and saw how bad this place is and we decided to cancel. I wrote down all the things I had to do and when, hoping to avoid this. I sent the cancellation request on 9th Nov online as instructed, saved the 'receipt' and also have the confirmation email that came through a few days later. I allowed the final payment to come out on the 27th Nov and then cancelled the DD on the 28th Nov. That's 48 days before the following payment would have been. I've stuck to the terms, yet here we are. As I mentioned, we both joined. I did everything for us both at the same time. I haven't heard a thing from them, but they are chasing my girlfriend. So far, their demands are 2 months membership plus x2 £25 penalties (sorry, 'admin fees'). Most threads around here are people cancelling DD without letting them know, etc. I can't be bothered to write a letter and post it, considering it's obvious they don't care and will just continue. I just wanted to check, am I OK to bounce their emails and forget about it? I know they have no powers... Or, shall I send a letter with the dates in, anything else?
  8. Hello I am suing a builder, without legal representation, so it has been a very steep learning curve! Late November, and most of December 2017 I was ill wilth Flu combined with Shingles - the latter affecting eyesight. I know this was a stress thing. My question really is that documents should have been exchanged on 14th November 2017, i attended Defendant's solicitors (partly to keep my costs down) at the correct time and date and saw defendant's Solicitor's assistant - Solicitor was busy! I duly handed over my information, none forthcoming from the other side. I was not unduly worried as such because I thought perhaps that was how it worked! Around the 5th/6th December I received a large envelope from Defendant's solicitors with paperwork in it, these being the documents that should have been exchanged before. My only real questionable thing about them was a couple of the items included were from MY information, which he did'nt have before my visit to exchange! I received a letter on the 8th December, from the Defendant's Solicitor telling me the case had been "struck out"and enclosing the bill for Defendant's costs! I contacted the CCMCC and was told that I needed to pay £100 to ? (I can't remember the wording). I sent this off, contacted other party's solicitors and told them i had done this. I never knew why it was struck out - only defendant's solicitor told me this. I received a letter from CCMCC saying that the actual cost was £255 (!) so I sent that off. Again speaking to CCMCC it appears that everything is continuing forward so I take it no longer "struck out". Now that I am actually feeling better, I have been able to think things through a little bit more logically, a huge amount of time double checking on the internet - am i too late in requesting this case be "struck out" because of non-compliance by defendant's solicitors? It is entirely my fault that i did not pick up on the "non-compliance" item about exchanging documents - although the more i do think about it, I now believe it was deliberate because i didn't know any better. Any advice would be really welcome
  9. Hello, In August 2018 I took on a BT TV and internet package on a 12 month term. I did not want to use BT really as I was told their service is bad. I explored all options with other providers such as Virgin, Sky etc but it turned out I could only have BT TV at my rented flat and the lines were BT only also. The time came to have my TV and internet connected and BT came to my flat and within 5 mins the technician said ‘OK, you are activated’……the point he said was active was by my front door which is far from my lounge where I needed BT TV and the modem. I connected the modem to the point by the front door and confirmed it worked with the technician, I then check the TV point but it was dead. The technician had a look and said ‘yea this point will take 24 hours to come on’ which I could sense was utter nonsense because it was fed pack to the point by the front door, so something was wrong, which didn’t surprise me as it is a very old regency building. 24 hours went by and not to my surprise it didn’t work, I called BT and booked for them to come out the following Tuesday (6 days later). Tuesday came and it got to 4pm and I called them to find out where they were and they said I had no appointment. I could not afford to take more time off work so I just parked up the TV issue for the time being as my internet worked and I could get by and would tackle the TV install later. By October I had been given a new opportunity to take a job in Australia meaning I had to move out and leave for Australia in December. I called BT to say that I needed to cancel and was told I have to pay out the whole agreement to the amount of £578.18. I explained that this felt unfair as they are not supplying me with any future service, on top of that they never finished setting up my BT TV, and last of all the new tenant who moves in has to use BT (as outlined above,unless they don’t use phone, or internet) and therefore when they sign up with BT it will cancel off my service automatically. As a result BT will be charging the new tenant for their services and charging me also! It doesn’t seem right that someone can sell or lease out the same thing to two people at once with only one of those people being a beneficiary. Any advice on my matter would be much appreciated, I understand I signed an agreement, however they never fully installed what I paid for and they are also trying to make me pay for something someone else will be paying for going forward… it doesn’t seem right.
  10. My girlfriend and I went along to a trial session at a local fitness centre we had been told about. After the session, we sat down in the café and received a free (freshly ground) coffee as we discussed joining permanently with the trainer. The conversation was brief, 5 mins max. It involved an iPad on which she showed us the booking app they use and details of the different memberships. We opted for the couples membership at £88.20 per month (endorphin levels were sky high so this sounded like a great deal at the time) plus we get some free gear and a club-branded item of clothing of our choice, each. The club was only a few weeks old at the time, and it seemed like the trainer who was signing us up didn't know exactly how to navigate the sign-up procedure, but we got there in the end. We handed over personal details and my girlfriend gave her bank details for the direct debit to be taken out each month. We immediately had to pay a pro-rata fee of £67.62 for the first month (September), oh and a joining fee of £50 (!?). A few weeks later and reality hit, we were never going to get our moneys worth from this club and had only been a handful of times in the first couple of months (lets just blame it on our 'busy' lifestyle) We paid again at the beginning October but then my girlfriend finally rang up to cancel. This is when she gets told that actually she can't cancel the membership as (duh) we signed up to a 6-month contract. Instead, they suggested that 'we had joined for a reason why don't we just pop down and give it another go'. My girlfriend expressed her surprise at the fact that we were committed to anything, to which they told her all of the details were in her contract. She went on to ask for a copy of this contract, that she had never seen before. They did email her a copy of a black and white contract, which was filled in with her details and with all of the terms and conditions. It included our joining date and commitment period end date. At the bottom, there is an Application Declaration section, with signature boxes which were (obviously) blank, because this was the first time either of us had seen this contract. Page 2, there was a physical activity readiness questionnaire (blank with empty signature box) Page 3 was a copy of her direct debit (blank with empty signature boxes) She informed the club that she was cancelling her direct debit as these contracts they had sent were quite clearly unsigned by herself, and that she was never informed and/or agreed to the long-term contract. They never acknowledged this email. Fast forward a couple of months and she receives an email from a debt collection agency after a payment of £610.26. She rang this agency and told them the whole story. They agreed to put everything on hold and contact the club. The next day, she receives an email from the agency stating that they had contacted the club and they had been advised by their client, that we set up our membership via a tablet they handed to us, that we had agreed to tick and had agreed the terms and conditions in order to proceed. And that they had no written confirmation of us wishing to cancel our membership (bull****) Therefore they look forward to our payment (of which late fees had been added) Their t&c's actually say they may charge a fee of no more than £15 for failed direct debit payments and any unpaid fees referred to a debt collection agency will be subject to a charge of no more than £30? But that's besides the point. We/my gf were never told about the commitment period, and never signed anything. They sent us a copy of a completely blank contract. We're only 24/25 and have no experience of anything like this, do we just ride it out? Could we be caught out somewhere along the line, even with them having no signature? We've watched hours of Can't pay we'll take it away, should we expect to see ourselves on Channel 5 next year? Thanks in advance for any help. P.S. We never received our t-shirts.
  11. can bes take over a residential property electric supply as they only do commercial electricity I need to no as been miss sold a contract please help the last few days have been hell bes utilities phoned me saying they were acting on behalf of my hopefully soon to be landlord no lease signed I have ended up in a contract some how I have been bullied and feel forced into this contract really not sure wat to do as I don't have a lease yet or permission to change the electricity supplier still they say I cant get out of it they say they are going to take over the electric suppy on the 25th and there is nothing I can do they also said the supplier at the moment cant reject the take over apparently I have no choice but to go with them all I want to do is get out of this contract. also the address on the contract is a residential house helllllppppppp
  12. Hello, I have written before on this forum concerning my mental illness and the debt, successfully writing off debt from MBNA. I had a mental breakdown in 2005 and a relapse in 2015 when I fell again into a deep depression. For people who do not suffer with mental health issues, it is hard to explain how things effect you. It’s not I am another person but, I can appear changed and not myself. When I am suffering these episodes my moral compass, well it isn’t there I basically am an ar*e I care not a jot and do things I know can be destructive. I have had great help from social services to help me cope and as I said in a previous post, https://www.consumeractiongroup.co.uk/forum/showthread.php?489343-tesco-credit-card-amp-freds&p=5142374#post5142374 I do have outstanding debts with Tesco Credit card £7700 owing, still haven’t heard anything from Frederickson or Tesco for an age. PayPal credit card £2200 sent me an email, I have attached that email. This is the first I have heard from them. I noticed I still had a direct debit set up for Tesco I have no idea what it was for so the bank recommended to cancel it, so I did. It was over a month when I got a phone call from Tesco, saying I was default on my loan, what loan, I had no idea. The person asked me several security questions that I couldn’t answer all of them, then they finished the call stating they wanted there payment. I have searched high and low to find out what the loan was but I have no paperwork at all. I vaguely remember clicking on a link on an online statement from Tesco about something. Now I still get monthly statement emails from Tesco but cannot access the account on line. Looking at my credit report I can see a loan over 5 years that I had paid for 3 years and a part account number. I have written to Tesco with the part account number as well as my old credit card number explaining my situation. Since the letter I have had 3 calls a day all blocked, I told them in my letter do not call as I can be very offensive so I don’t answer to any one I don’t know, the phone is there for me to get in touch with my doctors. I have no paperwork for Tesco, I have asked for my information by post and still nothing, when can I say this is getting to be harassment? Your help as always is appreciated edit paypal 1.pdf
  13. TODDLE2U ; are you still active on this forum and can you assist me with a pernsoal guarantee which has now been called upon from Travis Perkins. A lot of what's been said is similar to my situation. Credit application forms were signed in 2014, and like other we didn't know what we were signing for and a quick signature was given after form completed by office staff. There is no mention to seek independent legal advice on the form, should this be stated clearly?
  14. I hope I'm posting this in right place. I hope some one can give me some advice. I work in a small hotel. I'm the Head Chef. We have 2 other chefs working in the kitchen. One of the chefs is known to be very lazy. Likes to take time off saying he is ill when isn't, spends more time playing on phone than working etc. Earlyer this week on the Tuesday I was working with him and he started going on about how he had just got a new xbox and the new call of duty game that had just come out. He started moaning that his friends were already much higher level than him and that he need to catch up. He had his days off Wednesday and Thursday and Friday morning we hear from him and he has apparently been to doctors and been signed off works for 2 weeks due to stress. He is not stressed, he is only 25, is not married and has no children. He has only just come back off holiday a week ago. I'm sure he has lied to Dr to get time off to play his new video game. He has been playing his new call of duty game for nearly 80 hours straight. And is still online playing at 3am. Would some one who is under that much stress that they can't work be able to play videos games non stop. I am really angry, I have young children and my youngest son is very poorly. He has hospital appointments next week and weeks after. I had booked days off for both weeks, over a month ago. So I could look after my other children whilst my wife takes our youngest to hospital. These hospital appointments are very important. And include Nurosurgery appointments and appointments at eye hospital. We have no family to ask for help, and no friends so my wife relies on me to help. A lot of the hospital appointments are over 3 hours away at specialist hospitals, and a lot they require that my youngest son is bought alone, so it's not possible for my wife to take are other children with her. We are going to have to cancel all appointments as I have now got to cover for this other chef and will have no days off next week or the week after. Its so wrong that he gets to sit at home playing stupid video games and still gets paid whilst I'm left having to pick up the pieces covering for him working my self in to the ground and it will effect my children as they will not see me, and expecially my youngest as he won't get to his hospital appointments. I also feel sorry for my boss as she is a old lady in her 80s and I feel he is taking advantage of her, he lies to her and she believes him. I don't like to see him walking all over her, he laughs at her behind her back. She ended up in a simular situation with a different employee many years ago and she did sack them but then end up being sued for apparent unfair dismissal. Although that situation sorted its self out she is afraid to do any thing or sack any one else. Is there any thing I can do about this chef, how can I get my boss to see what he really is like. I have physical evidence to back up my claims that he wanted time off to play call of duty. Is it worth me mentioning to my boss. Surely as Head chef I should have a say in who works in kitchen. I don't want some one lazy, I want some one hard working who I can trust and who is reliable. If my boss will listen what should be her first step to dealing with this so she doesn't end up in same situation as last time. Any advice would be much appreciated If you wondering why I'm awake posting this at 3.50am is because a neighbours parrot escaped and is sitting in a tree out side my window sqauking like crazy so cant sleep. Thanks in advance.
  15. Hi everyone I use a courier company, i will call "TPC", who in turn use DPD. I have to say on the whole the past few years has been event free but a few months ago we sent a 3D printer to someone to use and it was smashed up really badly. The recipient took photos and has emailed us stating the damage was beyond dropping in his view and we have loads of photos of the box damaged etc. I reported the issue immediately and TPC were originally very sympathetic etc. I have to say I was shocked at the damage, you would have had to try really hard to do what they did. As the client needed to get printing urgently, I resent a new identical printer out, only this time this one had a glass build plate, so about 30x20, super tough, heat resistant glass plate that the plastic is printed onto. This was in fact a bespoke upgrade I did to this one but the plastic plate was also sent. This printer was also sent insured fully. This 2nd delivery went horribly wrong yet again, with a tonne of damage done. We sent both printers in the original boxes, designed for transporting them. They are thick boxes, with the original polystyrene inserts. Loads of space etc. we also used an outer box with more packaging to be safe. The packaging has never been challenged, in fact DPD stated that it was fine. long story short. I know DPD have accepted both claims (although irrelevant as the contract was with the 3rd party we use, TPC). I am still waiting for any decision, I have emailed multiple times and so we logged a small claims track. Unfortunately the printers are no longer made, so I have asked for the replacement cost of the latest available model for both printers. The defence is that they will not pay as there was glass in the box (even though only the 2nd item had glass in it) There is no consideration about the first delivery that had no glass in it at all. I have sent the court questionnaire off, have stated I am willing to mediate and I am waiting. No solicitors seem to be involved at this point, certainly no legal sounding stuff has come back from the defendant at this point. Just want some help and advice really. I have basically lost a part of my little business due to these printers being damaged beyond repair. Questions: 1. I have no doubt that I will get the compensation for the 1st Printer as there was no glass and it was clearly in breach of the Sale of goods and services act 1982, (reasonable care and skill clause). however What about where there is a piece of glass in an item? I have never actually claimed for this extra add on, I feel that if they had delivered properly in the first place I would not have had to send the 2nd printer out and also the glass did not cause the damage, it was just "also" damaged, but again I am not claiming for this. 2. I would normally claim for the cost of the item if damaged. However in the case of the model being superseded and no longer being available. Is it OK to claim a little more for the latest available model? I have averaged the price from 5 retailers and would genuinely be buying these to simply replace my lost printers. In my defence it is a real pain in terms of retraining and new software to learn a new machine. Any help would be appreciated on the best course of action and of course I will post everything up here so others can learn from my mistakes and hopefully successes!! I am about to go through mediation, but can't find much on the process here. Has anyone gone through this process as a claimant and is there any advice anyone can give. I have been told by the CAB that it's a chance to "negotiate" but Ii'm not sure if negotiation is what I want to do, i'd really like the defendant to try and see the light. Also can the defendant deny wanting to use mediation? Any help appreciated.
  16. I rent a unit in a property and use it as a Hairdressers. I have a manager in and all is good. I have a few other interests and have decided to sell the business and have found a buyer. Now the hard part. We have 3 years of a 5 year lease left. The buyers are willing to take this on and have spoken to the landlord. He has no objection to them being tenants but he will only accept a 5 year lease PLUS he wants £2500 off of them, up front to extend the lease. He has made in categorically clear, he will not let them be tenants unless they agree the extension PLUS pay the £2500 in cash, no receipt. The buyers have said they can not and will not do this and have given me 1 week to sort it or the deal is off. I have emailed the landlord and said look, you can keep the month up front deposit we made (£500) I just want out. Im sure he cannot do this but he is the greediest individual I have ever met.
  17. Hi Guys, I have received a few letters from Clarity which started with the usual we are trying to contact someone, which I ignored (why help them?) then came the "you owe us loads of money" letter, which I also ignored because I see why I should ring them or do anything initially. Then came the "we will send round the FieldCall people to discuss the fact that you owe us loads of money" letter. I was not too purturbed because a) I had been chased almost a year ago for almost the exact same amount by Lowell, who finally admitted they were wrong and appologised for writing to me (I had written a very polite "prove it" letter), and b) I recently came across these forums which are a revelation. I wrote a letter back basically saying, very nicely (I think) - prove it, and I don't want you sending anyone round to talk to me about it. Today I received the attached letter (suitably redacted), to which I want to reply in this way: Dear Clarity, If you don't know who I am, then stop accusing me of owing you money. Yours faithfully, etc. What do people think? I don't wish to fire flaming letters at them, because I feel that that sort of thing can later predudice things, if, for some reason it all turns sour. I am not worrying particularly, but would like to ensure that my response is measured and reasonable. Any advice?
  18. Hello Not sure if this is the right platform for this I am sure someone will advise. My daughter works for an employer whereby she is sometimes required to go offsite and use premises to conduct specific types of interviews etc. This could be a church hall a leisure centre even a cafe virtually anywhere they can get a seat. After some rumblings about health and safety each employee has been sent out a form to complete. It is a full health and safety questionnaire regarding the places they visit. for example here are just a few questions on the form that my daughter is being asked to complete, there are many many more questions. Please bear in mind that she has no Health and Safety training or any associated qualification. "Does the area to be occupied by us appear to be in a reasonable state of repair and without obvious health & safety hazards? Are there adequate fire arrangements for the site, including: means of escape from the areas that you intend to occupy, in case of an emergency? all exits clear of obstructions? adequate signage on fire exit routes? clear fire evacuation arrangements, including Fire Action notices and Fire Wardens where necessary? Are there adequate security arrangements, such as CCTV, panic alarms, security personnel etc.? Is there adequate connectivity on site? She has then to sign the form and return it to her employer. To me, these assessments should be conducted by a fully qualified H&S officer prior to any scheduled visits by employees but like my daughter many others are visiting these places on a daily basis and have been for some time now. Anyone give me some advice on this matter, is this the norm or is it bordering on the illegal.
  19. Hi all, Apologies if this post is in the wrong forum, had a look and wasn't sure where to put it. Back in 2015 I obtained a referral to a specialist consultant for a health issue via my health insurer Pru/Vitality. I was issued with a claim number, claim was allowed, saw the consultant and that was that. I had previously seen him under the same process. In 2016 I started to get letters from the consultant's office demanding payment for my 2015 visit. I explained that I had a valid claim via my insurer and told them to take it up with them. A few months later, same thing. In Jan 2017 I had enough, so I called the consultant's office and explained that it is between them and Pru - not me. They claimed that Pru had no record of the claim. In the interim Pru changed to a new claim system, so my claim was under the old system. I explained this to the consultant's office person and they came back saying that Pru won't pay their invoice, as they only receive via email within a certain period of time after vist etc. In other words, it sounds like they filed their invoice too late and Pru aren't paying out. I also called Pru to complain of this hassle, and they basically said the same thing, however the consultant's office won't stop hassling me for payment. How on earth can I get them to stop and leave me alone? This is clearly an issue between them and the consultant, not me!
  20. https://www.consumeractiongroup.co.uk/forum/showthread.php?296513-296513&p=3317951#post3317951 I am just considering this and contemplating taking court action against unregulated property manger who took a secret commission
  21. Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this removed? After also checking my credit file I notice that the original default placed on my account by 118 was not placed until 28 months after the account went delinquent despite ICO guidlines which state that 'accounts should be defaulted 3-6 months from last payment date'. How do I go about getting the original default accurately recorded to early 2016? (Giving me a clean slate in early 2022) I would like to thank you ever so much for taking the time to read through this thread and any input will be greatly appreciated.
  22. Hi Everyone, I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people. I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel insurance at the flat as I won't be living there and can't transfer the insurance to my new property. However, they are still wanting to charge me an £35 early cancellation fee. Surely this isn't right, as they can no longer legally provide a service to me? Are they [causing problems] people like me out of £35? Many thanks in advance!
  23. Good morning Caggers, I am wondering if someone can help me out with a bit of an issue to do with lease of a retail kiosk. Back in February of this year I rented a retail kiosk from my local council which was in a High Street but was classed as within the local market. I was selling cut flowers and plants. This was a completely new venture and basically took all spare money I had to set up and it looked really good. The problem started about a month after I opened when the market manager (council run market) allowed a huge plant and flower stall to pitch up a few yards from the kiosk. When I say huge it was the size of 8/10 normal size market pitches. Apparently, this stall was a nursery and therefore grew a lot of the plants and was able to sell them cheaper than me. Now the market was on 3 days a week and to be fair he was only there on a Saturday but it was a waste of time me opening on a Saturday because people walked straight past and made a beeline for him. To add insult to injury, the market manager in his infinite wisdom, allowed 2 other stalls onto the market selling plants and flowers and they were there every day. The problem was I just didnt take any money. I think I had a couple of weeks at first which were ok but as soon as these stalls were allowed on I didnt even take the rent!. I complained to the Council and the local councillor but it all fell in deaf ears and eventually I had no choice but to return the keys in April, I was there about 10 weeks in total. The original lease I signed was a year with a six month get out clause and the council were chasing me for the full six months. | sent them a letter when I gave the keys back explaining why and how I felt they had let me down by letting all these other stalls on and basically killing any hope I had to build a business. Unfortunately I had no money so consequently got into arrears with the rent because I had no customers and no savings because I had spent it all setting up the kiosk. Eventually after a few backward and forward letters they agreed to accept me terminating the lease when I returned the keys and said they would cancel any invoices after that date but I would still owe the rent upto that date, which was fair enough. I told them I would have to pay it off with a small amount weekly as I was out of work. I have now received another legal document which I believe is a Deed of Surrender for which the councils legal team have produced and are charging me £200 for the privilege. They know my current situation, another £200 really? I dont understand it, I dont know what they will do if I dont sign it. any input on this situation would be really appreciated.
  24. Hello everyone, My father is paying a very large amount of CSA debt, payments which cover my brother and I up until the age of 18. However, I know that for me - this is incorrect. My mother was neglectful/ treated me very badly in my childhood, which resulted in me leaving home to live in a hostel before my 17th birthday. After I left home, she refused to declare details of her income so that I could claim EMA (education maintenance allowance) whilst I was at college- whilst continuing to claim family allowance for me as if I was still at home, resulting in me having no income whatsoever. Then when I started university, she refused to get involved with any of the forms I needed to complete. In both situations, it had to be noted that I was estranged from my mother and father in order to be eligible for support and move forward. I understand that these payments are forwarded from CSA to my mother, but of course I dont agree she should get payment for me from when I was 16 to 18. I am not raising this issue to defend my father, as bottom line is that he did not maintain us. But does anyone have any idea how CSA might deal with the matter regarding myself if I were to inform them? Thank you all, Jo.
  25. My daughter is NOT self-employed but works for a company that requires her to meet clients within the region she works in. Her contract does not state that she had to have a car but she has been told that she must use her car to go meet clients. Fair enough. When she went to claim her fuel expenses they refused because they said she needs business insurance on her vehicle and once she produces a certificate to prove this they will then pay for the fuels at 45p per mile. W Why should she have to pay for business insurance, it is not her business. She has said she would be happy to get it insured for business and then claim it back from the company but they say they wont pay it. She likes the job and does not want to leave but as I say this was not written in her contract. Others within the company have forked out for business insurance just to get peace but my daughter is taking a stand on this. Where does she stand legally? Any help or advice is much appreciated.
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