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  1. I signed up to David Llyods after speaking to a sales advisor on the phone who told me the contract was 3 months long and after then I could cancel anytime with a 1 months notice. The next day I rushed into the gym for a class I signed up to, signed the contract he prepared for me which was handed to me by the receptionist. After about 5 months I called to cancel my contract and was told I am in a 12 month contract, I argued this and said I was told on the phone it was 3 months and then I could cancel with 1 months notice at anytime. Clearly I didn't read the contract they gave me properly as I was in a rush but I was 100% missold on the phone, when I asked for evidence of this they told me they don't record their phone calls. Now I didn't have enough money to pay for any more months so I emailed them in writing, explained how I was missold and cancelled my direct debit. They replied saying they would compromise because of my situation and let me cancel with 2 months notice. So basically they acknowledged how I was missold but still didn't honour the one months notice that was supposed to be in the contract. I told them by email I can't afford to pay for 2 months which was true so I won't be accepting. Now they have passed my debt to Arc Europe Ltd who have called me everyday for the last month, multiple times per day on multiple numbers so I am now worried to answer my phone to any unknown numbers. I replied to one of their texts and spoke to their web team and told them my story, how I was missold by David Llyods and that I have already spoke to them and told them why I can't pay. I then told them to stop harrasing me and left the chat. They have not slowed down their efforts since at all and now I am being sent letters threatening legal action in court. Could someone please help me get out of this as it has made me furious that they are so dishonest and that a company like David Llyods would use scare tactics and a well known to be aggressive debt collector such as Arc Europe Ltd.
  2. Hi, I have a question about last wills and testaments. I am a dual French/British citizen married to a British citizen and we have lived in the UK for almost 20 years. We own a house in the UK (as joint tenants). We want to write a will that will say to whom we want our respective share of the house to go to once we are both dead. We have no children and won't be having any. In my case, I want my share to go to my husband but I want to make sure that when he dies, if I'm already dead, my share goes to my siblings in France, who are French citizens, and not to my husband's family or new partner for example. Could someone please help me and let me know how I can make sure that his happens? Are there specific types of wills for UK people who want to leave their assets to someone in Europe? I have received very conflicting advice from some solicitors. Thank you very much in advance! Sonia G
  3. Weve had a telephone call from Blackhorse today to say we can cancel our PPI but our repayments on the loan wont go down due to a previous claim we made. Is this correct??? Hadituptohere
  4. 1 - Have we ever seen a case go to court with them? 2 - Am I right in thinking they only use Major Law? 3 - Safe to ignore Threatograms right?
  5. Back in January 2017 I switched banks. Everything seemed to transfer over with no issue until July 2017 when I received a letter from Kwik Fit Insurance Services saying I owed them £107 for a home contents insurance policy. On checking my direct debit list I discovered that no payment had been taken for the direct debit. I had two direct debits with Kwik Fit insurance at the time, one for car insurance the other for contents. I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account. I sent a recorded delivery letter to Kwik fit and followed up with another letter (again sent recorded delivery) three weeks later after I had heard nothing from them. A month after my second letter I received a letter from Resolvecall to recover the debt on behalf of Kwik fit. I telephoned Resolvecall and explained the situation and asked them to look into the matter. The girl I spoke to said she would and would email me within 14 days. I heard absolutely nothing and (stupidly) assumed it was the end on the matter. Four weeks ago I received a letter from Arc Europe who have now bought this debt and now a letter from Major Law with fees added. They are now asking for £130. Can anyone suggest how I should handle this? I am not denying that this money should have been paid, albeit by monthly direct debit, but I tried to communicate on several occasions first with Kwik Fit and then Resolvecall only to have my requests ignored. I can't take the chance that this could go to court as my job relies on me having no CCJs on my credit file. If I have to pay the money I will (though I wouldn't be able to pay all at once) but I don't think I should have to pay costs. Would it be worth sending a letter to my bank under the bank account switch guarantee? I'd appreciate any advice. Thanks so much in advance.
  6. Hi All, Apologies for creating another thread about these two companies, but I just wanted to clarify my position as it's a little different from the other threads that I have browsed over the past couple of days. I'll try to be as concise as possible. • Joined Bannatyne's in March 2014 on a 12 month Contract • Cancelled contract after a few months simply by cancelling the DD, something I was told was possible by gym staff (I have no evidence to support this though). • I get a few emails between 2014 and 2015, resulting in an 'Invoice' from Bannatynes for £180, which I ignored along with the other emails. • The last email I got from them was in December 2016 offering me the chance to settle my account for £100, again I ignored it. • I've had an email this week from ARC Europe saying that my 'account' has been transferred to them for 'account management' and asking to make arrangements to pay the outstanding £180. My gut feeling is to ignore it as it's for a balance from such a long time ago. But given the way that I cancelled the membership I have a lingering doubt that they have something on me or at least a reason to take this forward. I also have moved since then but am concerned about replying to them with my new address as that might provoke more harassment from them. Any advice would be very much appreciated.
  7. Hello, I am looking for some advice please. I have a standing order weekly to Fedex Europe paying off some outstanding import tax, however today I have received a Notice of Enforcement asking for £958 - includes a number of charges! I can happily print off the invoices for these payments and get these off to them, but I need to know what I can do re the letter? I have emailed them today asking for confirmation of whether any payments have been added to this account. I have until 31st March to get this sorted. Please advise. Thanks
  8. Hi My problem is nowhere near as bad as some of the horror stories on here, but just though I would ask before I do anything! I joined a Bannatyne gym in February, I signed up online as I had previously had a 12 month contract with them and knew the gyms were decent. I only intended to go for a month I signed up for the "1 month contract" which is £10 extra compared to the 12 month contract. I went for a month then cancelled my direct debit at the end of Feb before any more payments came out and thought that was the end of it. I had previously been a member of a different gym where this was all you had to do to cancel and (foolishly) thought it would be the same with a 1 month contract at Bannatyne's. I have received a letter from Arc Europe saying I owe £57.00 for the notice period I agreed to when I joined the club. I haven't had any other correspondence from Bannatyne's prior to this. I have been on the Bannatyne website and the terms do state that you need to give 'one full calendar month's notice' when you want to leave. It seems like the only way to only be a member for 1 month is to give your notice at the same time you join. Just wondering if I have an argument here? It's not the end of the world if I have to pay I would just rather not! Thanks in advance
  9. Hi all, Wondered if anyone could help, Around half a year - year ago I signed up to virgin active on a 1 year contract. Long story short, Life caught up with me and I couldn't get there at all, I think I made the monumental mistake of cancelling the DD directly with my bank and not telling the gym. I understand this may have been the wrong way to handle the situation but I had a lot going on at the time (personal issues with my health). Arc Europe are now contacting me and are threatening court action etc and I am unsure the right course of action to take now... I am not financially fit to be paying back the money they're asking for (£280). Any help/ advice at all would be appreciated. Kind Regards Lo
  10. The following regulation has been discussed for many months, and was finally laid before Parliament a few days ago (11th April). It comes into effect on 6th May 2017. The Road Vehicles (Registration and Licensing) (Amendment) Regulations 2017 http://www.legislation.gov.uk/uksi/2017/554/made
  11. I have a debt under my DMP that is now with NCO Europe I presume they are merely the collectors for the original business-Direct Line Loans. Can anyone offer advice about this?
  12. Hi people from the forum, I am in a situation where I would appreciate assistance. I am not a native speaker so apologies in advance for any mistake that might be in there! I got into a one-year contract with a gym in July, consisting of monthly payments of 60 pounds; in October I was accepted in a masters degree (which I had not applied for at the time I registered at the gym) in a foreign country. I enrolled and left the UK, but I left my bank account open and there was some money on it, I did not hear from the gym until January, when it turns out the money had been depleted and they had been unable to collect payment. I immediately contacted the gym and asked if I could cancel on the grounds that I now didn't have a job anymore (I had one prior to my enrollment but obviously had to quit) and wasn't even in the UK. I assumed this would be valid as an unforeseen change of circumstances. The person asked me for proof that I did not work anymore, so I directed her to my former HR. I did not hear back so I assumed everything was well, and I stopped the debit from my account. Two months later, another representative from the gym contacted me, notifying me that I owed two months. I referred him to my prior emails, and he showed me an email the first person had sent me, which I had not seen, where she stated that since I had quit and had not been fired, I still owed the money. I re-explained my situation, that I had no income now and was living in a different country, and the guy told me he understood, that he would put a note on my account and that I should notify him of when I would be able to make payment again. I told him next October (as my masters will be finished and I will have a job -hopefully), and thanked him for his understanding. I assumed everything was fine. Then last week my former roommate told me I had received a letter from ARC Europe (I asked her to open it in case it might be something administrative I had overlooked). Though I am two months late (120 pounds) and have gotten an email from the guy at the Gym that I would be able to resume payment later, a "J. Turner" requests I pay 299 pounds within ten days or he may go to court. Now I know this is more or less typical behavior from solicitors, but I don't really understand why they would come after me after the guy at the Gym emailed that I was fine, and why they'd ask for 299 pounds. What do you think of this situation? What is my best course of action, considering I will probably not be coming back to the UK in the near future, even after my masters? Thank you!
  13. August last year i was struggling for money, stupidly i applied for a payday loan from QQ at the time of taking this out my credit rating was appalling. i made the first payment but after that found myself struggling to continue making the payments due to several factors. the loan was for about £400 but since then it has gone up to £700+ . i emailed them a number of times asking to consider writing of the debt and gave them the reasons why including low income, loss of benefits / job, stress of debts, bad credit score etc. I also pointed out that the constant phone calls and emails every couple of days could be perceived as harassment. with all the calls and emails i kept receiving i decided to send them a income / outcome sheet showing there was no way i could afford any type of repayment offer at present and asked yet again if they could put a hold on any action, but was constantly told if i didn't phone them they couldn't sort it out and they would proceed in trying to collect the money. in every email they sent i was told if i didn't offer pay the amount or offer a repayment plan by phone my account would be sold on i told them i would prefer to only correspond via email yet they continued to phone (even after i asked them to stop doing that) and emails still kept coming saying i hadn't made any offer of repayment or tried to contact them (even though i kept explaining my situation in emails!) at the start of January this year i wrote a complaint, that they acknowledged, i explained all my problems and also that if they had done the correct checks i would not have been granted any loan. I also requested the once again that they stop any action unfortunately their reply was they don't stop any action even when dealing with a complaint. today i get a letter from Arc Europe threatening county court action within 14 days of their letter if i do not pay the amount in full or make a proposal to pay off the debt. could someone please give me any advice as what to do now thank you
  14. I took out a payday loan with quickquid for around £200, couldn't pay back as I lost my job and fast forward to now, I owe ARC Europe £333.80, what is the best way to deal with this? Thanks.
  15. Hi I would really appreciate some help and advice. In early March this year I enquiried via the website about joining Virgin active gym for me and my husband. I work for a large bank so could take advantage of corporate rates if I was able to prove my employment via bank slip etc. someone called me and gave me the price and asked me if I would like to go ahead, I said I would and gave him my bank details etc he then said I would have to go into my local gym to complete the paperwork etc. I then got some calls from the local gym pressurising me to go in and sign the paperwork, I had just had a baby and I couldn't agree a time for me and my husband to get in together. They insisted it had to be within the next few days so they could get their commission. I wasn't able to make it in to sign and didn't hear anything else from them at all. Roll on two months or so later, I checked my bank account and they had taken two DDs for £105 each. I called up the bank and got this refunded via the DD scheme. Thought it had all gone away, I didn't notify them that I was cancelling the DD. a few days ago, I received a letter from ARC Europe stating that I owe 236.80 and after that my gym membership will continue. So just to clarify, I have never signed anything, I have not received any paperwork at all and have not provided any proof of my employment status. I haven't even set foot through the gym doors and I am still breaking a sweat!! Can they have me for a verbal contract? What do I do now? Many thanks for any help in advance, Sarah
  16. Cabot Financial (Europe) Limited have left a footprint on my credit search file that says 'Customer Management' id like to know if this is going to be visible to lenders or if this particular search would be only visible to myself? It came about as i called them and asked the outstanding balance on a very old debt. There is no evidence of them within my file as this particular arranged payment fell of the credit report 2 years ago so it is only this particular search now. Thanks
  17. Hi, It's been a long time since I needed to come onto this site but it looks like I'm back again. I need help but really don't know if helps going to be possible now. Ok here is what's going on so far. background info For the last five weeks I have been at my mums house, I'm diagnosed with bipolar and things have been pretty bad. I've been back and forwards to the doctor to get help, their mental health clinic and 9 days ago things hit critical mass and the doctor called in the mental health crisis team who have been visiting me daily and will be for the foreseeable future. I live alone and after a massive problem with new meds given to me by the doctor I moved back to mums for my safety. I'm on yet another set of meds that at least has started to let me focus on things hence being back on here for help. My problem Arriving home I have found two letters, the first a notice of issue of warrant of control. Dated 15th March 2016. It states that I owe Marlin Europe I £804. To be paid by the 29th March 2016. Posted on the 18th March. The second letter was hand delivered I have no idea when and this is a notice of first visit, talking to neighbours there was somebody at my door earlier today but the date on the letter is the 1/4/2016. My daughter went to check the house on Saturday and said she didn't see any mail so I don't think it was delivered on Friday of Saturday. The letter also stated I have until 10am on the 6th of April to pay the amount owed. Now the bit I need help with I haven't to my knowledge had anything to do with Marlin Europe, I have no idea who they are, I also have no idea when all of this was started and have had no paperwork from the courts. I have been through everything I've received since Christmas to check to make sure I haven't missed anything. I really don't know if I have any options or do I just roll over accept it and try to come to some agreement with them, but since my income is esa at the moment they can't have a lot. I would be very grateful for any help, this has come out of the blue
  18. Just checked my credit file today. Original Credit Card debt defaulted with OC December 2010 stopped paying monthly repayment plan last year so not SB. Debt passed to Cabot. Requested CCA - details not provided and unenforceable. Cabot have now entered another default status January 2016 ? Can they do this ? Thanks
  19. My friend had a loan with HFC, Marble loans in 2004. A few years ago she sent a CCA request to them but never heard anymore from them. They have been selling the debt on to various DCA over the years now they have got heavy and Restons are involved. They have said they are going to apply a Charging Order to her property. She does not have the original paperwork of the original cca request. They sent a letter before Christmas saying she had until the 22nd December to reply to their request and then they will take her to court. Not sure if things have changed now and you can still request cca or if I need proof of original letter? Should she send a SAR to HFC or Marbles Loan with a hope there is a copy of the original cca request or maybe send a new cca request?
  20. Hi, I signed up to LA Fitness in December 2014 under a 12 month contract, but was told this could be cancelled during the registration process. I used the gym a handful of times. I haven't been since February 2015. I paid my DD on time up until around October/November when I cancelled the DD, I didn't send a letter or anything to the gym. DW Fitness also took over this gym at some point last year which I was unaware of. I've now received an email saying they will involve ARC Europe to collect the unpaid payments. I understand I may be in the wrong here as it was a 12 month contract, but the fact I didn't use the service for the majority of the time aggravates me as they are after the last couple of payments. Where do I stand here? If I have no leg to stand on I'll just pay up. I just don't think it's very fair as I haven't used the service for the majority of the time. Any advice is appreciated!
  21. After defaulting on an £18,000 unsecured Northern Rock loan they obtained a CCJ in Bradford Crown Court in July 2009. They then registered a charge on my share of our home with the Land Registry. In October 2009 I was declared bankrupt and included this loan in the bankruptcy. I have made no payments or made contact with Northern Rock or Marlin Europe since then. I was advised that the debt had transferred to Marlin Europe and they are now chasing me for payment. I have received a "notice of application for attachment of earnings order" that looks like it has come from the court but I suspect is another scare tactic from their solicitors, Mortimer Clarke. What is my best course of action? Do I need to complete the form that asks for income and expenditure details? I do not understand how an unsecured loan, sold as that and with the interest rate set accordingly can somehow become secured on my property. Does my bankruptcy not cancel this out? I would welcome any advice as the notice threatens up to 14 days in jail for not replying.
  22. Hi all, I've been a long time reader of this forum and first time poster. I have a mountain of debts, mainly payday loan companies and I'm looking for some advice. I currently owe: Wonga - £282.16 Quickquid - £402 (referred to ARC DCA April 2015) Pounds to Pocket - £701.09 247 Moneybox - £162.60 Sunny - £640 (3 serparate loans) Payday Express - £132.80 118118 Money - £1361.85 (£291 arrears) Different Money - £294 Vodafone - £559 BT - £130 (passed to DCA, not sold May 2015) This is all of my current debts and I am considering a DMP with StepChange. I am looking for some advice regarding my options and the best way to help clear the debt. I would argue that I shouldn't have got loans from a few of these companies due to already being behind on other loans and having a poor credit rating. So yeah, any advice on how to proceed would be greatly appreciated. Thanks!
  23. Hi, I am facing increasingly aggressive demands from ARC Europe for payment of £320 (now threating to take me to Northampton Court with additonal fees) for a debt with LA fitness. Despite repeated phone calls to LA Fitness stating that I do not owe them money, and calls to ARC Europe saying the same, no one is listening to me and I am now have various threats stating that the amount I owe will be stepped up should I delay any longer. My monthly payment was only £50 so am not quite sure how they've arrived at such a high figure. I signed up for a 12 month gym contract with LA fitness in the middle of Jan 2014 and paid every month of my contract when it was due, up to and including the payment at the beginning of Jan 2015, and so was a paid up member until the end of Jan 2015. I cancelled the direct debit (to stop Feb's payment being taken) and told a member of staff in the gym that I would be quitting (in December) I'm fairly sure I called the head office as well, though it is six months ago now and LA fitness claim they have no record of the call. What is the best way to respond to their demands and should I do it by post or by e-mail? Many Thanks
  24. From my favourite Consumer site in the whole world... Look carefully.... [ATTACH=CONFIG]58202[/ATTACH]
  25. Dear CAG, I have had similar issues as other forum members with LA Fitness engaging ARC Europe to chase for 'debt'. I received a number of letters from LA Fitness claiming I owed a months membership, then two, then that they were referring the issue to an outside agency. In fairness, I ignored this as I knew I did not, and had followed the cancellation policy correctly. Eventually I started receiving phone calls, text messages, emails, letters, and voice mails from ARC. The initial phone call I answered as it came up as a mobile number and I did entertain a couple of other calls to no result. They were fairly non-threatening, until they started escalating the costs and the severity of their threats to court and legal action. The language used was always hypothetical; 'if', 'could', 'may' etc. and because of that I was still fairly unconcerned about their legitimacy. However, I eventually received a call from a chap who was rather more threatening and aggressive in his manner - his tone and approach was quite invasive and he started putting immediate time limits on when I could pay by. He suggested that if I didn't pay by 8pm that evening there would be consequences in terms of the progression of the issue. That was enough for me, so looked on-line and found this website. It instantly validated my scepticism, and having found a couple of threads with example letters, used their content to draft the below and sent it to ARC. Given I was getting contact on a near daily basis, I haven't heard anything for a month so consider they have received and understood the letter. I would like to offer my thanks to the forum, and particularly 'slick132', for their patience in assisting others with their dealing with these companies. I can definitely understand how the nature of their communication would very easily scare many people into giving them significant amounts of money that they do not owe. I hope the below letter helps to prevent this as well. Best Dear Sir or Madam, I refer to my monthly membership at LA Fitness *location* gym. I visited the gym confirming my need to cancel. I followed this visit up with a phone call to head office. I cancelled my Direct Debit mandate via my bank after the months’ notice period on instruction. These actions are adequate notice of my cancellation of the gym agreement, as per the case of The OFT v Ashbourne Mgt Services Ltd in 2011. I am now being pursued for further payments from ARC which I will not pay. If LA Fitness or ARC continues to seek payments when I have cancelled my membership properly, I will report the matter to The OFT and Trading Standards without further warning. I owe LA Fitness nothing and I will not pay you any more. Yours faithfully,
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