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Found 17 results

  1. 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. T
  2. 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 se
  3. Asking for a friend and any advice appreciated. She is on universal credit with her partner(female) and two young children and had a job working early morning shifts whilst also trying to earn money self employed (all declared). She has suffered bullying, humiliation in front of colleagues and sexual harassment from her boss, the owner of the business. She is also disabled and in receipt of mobility DLA. One of the children is also disabled. Yesterday she had enough and, in tears, walked out and refuses to go back to work. They have been trying to contact CAB for advice but are worri
  4. I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
  5. I have been harassed by a neighbor because I wont be his friend. I am from a domestic violence background came out of a refuge and I am an attractive woman in my 20s with mental health issues of anxiety and depression (also recently diagnosed with PTSD due to current events) The HA placed me between two older men, this wouldnt usually be a problem but they both became obsessed with me. I had to tell both of them to please stop knocking on my door, I am private. This is when the false noise complaints from downstairs firstly came however I wasnt the victim because he was elder
  6. Previously loyal disabled customer harassed, bullied and ripped off by Amazon Unfortunately our trusty old laptop was failing and needed replacing.As this was a desktop replacement we required something of a suitable size and standard.This does not come cheap. As this was a considerable investment for us and having been a previously loyal Amazon customer for many years, we decided to purchase from Amazon based on (an apparently incorrect) perception that if there was a problem with the purchase then we would have good support and come back if required.We did however have reservations
  7. I have received 3 recovery letters from Indigo Car Parking (also known as PCN Admin, ZZPS) in respect of recovery of a parking ticket that has been cancelled. Every time I receive a new letter, I respond with the email confirming cancellation, but the letters keep coming. Does anyone known what I can do to stop this nonsense?
  8. Hello eyeryone, Im new here so I hope Im in the correct place to post. I had a small debt with HMRC. I was late in filing my tax return, I had moved house and during that time letters went astray. The first I heard of the late fees debt I paid it in full direct to HMRC. However, I am now getting harassing telephone calls, text messages and threating letters from a debt collection agency working on behalf of HMRC asking me to pay the very same debt I have just cleared. I have asked them to stop contacting me and told them that the bill has been settled but the
  9. Hi all, I received a letter from Lloyds in late July stating they had sold an account with a balance of 1590 to Lowell and that I must now deal with them directly. Lowell have written to me since, and I have been communicating with them via email. Having checked my Experian file, they have made several searches for me at my address. In my first correspondence, I stated I had no knowledge of, and did not agree to the debt being owed. I asked them to provide evidence of the debt in question. As the account was opened in 2001, I am pretty sure the account was closed outside o
  10. Hi, I have worked for a company for under a year and I am being bullied and harassed by my boss, I have been undermined in-front of my staff that I manage and made to look stupid in front of other managers. Our HR department is not being supportive and they are closing ranks and through my conversations with them they make me feel that this is my fault. I confided in another manager about my concerns and he informed my manager, now my position is now untenable. I am currently signed off with stress and feel that I have no choice but to resign. I have no job to go to and I am worried about mo
  11. The ex misses is currently dealing with a lowell stat demand, however they are hounding her for another debt not mentioned in their stat demand. The debt is off an overdraft on her old Lloyds TSB current bank account. She is recieving 2 or 3 phone calls most days and numerous letters. The debt is for just over £600 however she was charged over £1000 in charges on this account. Any suggestions regarding dealing with this one ??? Is their a particular template letter in the library to send to lowell when a debt is made up completely from unfair charges,
  12. This is really starting to upset me and I've had enough. In November, I met someone at a local Autism support group. In January, he added me as a Facebook friend. A few months later, he started contacting me a lot and I thought nothing of it. In April, I said I wouldn't be at the group because I'm busy that evening and if I went, I'd miss my train. He moaned about this because he wouldn't be seeing me for 2 weeks. A notice was up put on Facebook by the branch officer saying that all meetings are cancelled until further notice and this person got angry and demanded to know why.
  13. Hi All, I am being harassed by Bailiffs and wondered what I could do about it. The Debt is in relation to outstanding council tax with Hounslow Council. Last year a bailiff turned up out of the blue at the wrong address although we are paying council tax at our real address and had been visited there by the council tax dept. The debt was from 2006. I asked the council for any evidence that a court order was issued and that they sent us this order. The council have said they have no evidence except an entry on their electronic files. I honestly cannot remember if
  14. Hello I am very distressed and unable to sleep since last two nights. My partner was travelling in a train on Friday night all by her self in great western train. Two males harassed her and when she asked them not to touch her, they started verbally abusing her. There were people on board but no one even bothered to raise their voice. She was frightened and was desparetley looking for the member of the staff. But she could not find anyone. As soon as the station arrived she got off the train and found the ticket checker and went straight to her. Thats where she wanted to get off the trai
  15. Hi everyone - this thread might be a bit long and confusing so I apologise in advance Towards the end of 2010 I made a claim for jobseekers allowance. I was successful in my application and received the usual amount every fortnight in my account. During the initial Q&A over the telephone when making my claim - I made it clear to the advisor that I will be working in my dad's shop, unpaid, for less than 16 hours per week. On my sign on days i'd take along a sheet of paper outlining the hours I worked for my dad during the 2 weeks. Until one day when I went to
  16. Hi all, I had to leave my job more then two months ago as I was humiliated and treated unlawfully by my employer and couldn't take it anymore after one year. After leaving the job I went straight into looking for another job opportunity, not wanting to be a benefit leech I thought I wouldn't claim anything if I could find something in the first week since it was summer and I though I might have been able to, but I couldn't, so after one week I applied for JSA (it did take me a couple of days also to find info on how and where to apply since I had never done it before in the town I am
  17. I was hoping someone could give me some factual advice. I moved into a flat mid-February, 2012. From the start I had a problem with an old man neighbour telling the landlord I had 4 men living in the flat. The joker, I had 3 men help me move in fridge, washing machine etc. The old man concocted all sorts of stories and told the landlord. To cut a long story short after 2 months I gave in my notice to leave on the last day of the 6month AST agreement. The landlord text me last week and wants to visit the property, I said I hadn't found anywhere yet to move to and i
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