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Found 18 results

  1. Hi.. First post on here so please just let me know if I do anything wrong. I've been reading through all the letters people have sent to Harlands etc but not sure they're specific to my situation. I was going through a tough time financially and cancelled the Harlands direct debit without letting them know first which I acknowledge was a massive mistake and has caused some issues. After the fine raising in price to something daft like 60 quid, I sent them this that I'd found on here - Dear Sir/Madam I refer to my membership at Xercise 4 Less gym in Kirkstall which was
  2. Hi, I have 2 loans with welcome. 1 was for a car where I was well ripped off, and the other for a cash loan. There is no HP. My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63. Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64. I CCA them a few weeks ago and got my original document. Never knew I was paying that much. also got a copy of all payments made since stay of loan in Sept 2007. Interest was added monthly until 05/05/2010 when went to step change. Then frozen.
  3. HI I am getting a lot of grief from mercantile credit. I got some money back from a PPI using an agent and agreed to pay them an amount. I did not receive the invoice i got threatening letters from Mercantile saying they had taken on the debt and were taking me to court and coming round my house ( from Liverpool) I panicked and wrote to them saying i will pay the original invoice but not the charges added as i had not received the invoice. They would not accept my dispute i paid £110 and agreed a repayment over the phone of £100 a month for the next 3 months.
  4. Hello briefly my 15 year old asked me to let her join xercise4 less so she could go with her pal after school back in may. I wasn't sure if she could join due to her age so I phoned the local club and was assured it wouldn't be a problem and due to her age she couldn't be signed up to a contract and could cancel at any time. around the start of September she was turned away with her pal as they were both under 16. She told me she wasn't going back so I cancelled the dd and thought that's that. end of September a letter came addressed to her from Harlands saying
  5. I am worried about some debts that i struggled with after a relationship split. My ex ran up the debts in my name and then left, leaving me to sell up and move to avoid losing my home. I couldnt pay some CC's and i left to live overseas. I have now returned and found out that in my absence my family members were traced by DCA's and subjected to constant harassment. My sister had a solicitor write to them to say the debt wasnt hers. I used her address for mail briefly after i moved overseas. She now says that she was taken to court for information
  6. I cancelled my membership to fitness first in person in their Old Street gym on 6 June and I received a paper receipt and email confirming that I had successfully cancelled. At the time they told me there was a month notice period I assumed the membership cancelled on 6 July. Now they finally claim the notice period is NOT one month but EIGHT weeks on 31 July!!! I found they were still debiting money from my account illegally. When I contacted the local gym in Old Street, the membership manager's reply was very abrupt and almost rude I contacted thei
  7. hi there I'm very relieved to find this website as now I don't feel alone My elderly parents have for the past 2 months been harassed by a company called LOWELLS phone calls - usually one at least per day, and letters - one per week they claim that my brother owes £12,000 in debt - but my brother does NOT, he doesn't have any loan etc and he left home over 7 years ago so why are they sending these letters and calling my parents? how do we get this to stop my poor father is dreadfully upset and he wants to know why this debt is at his address, etc he
  8. I have received 2 letters from Robinson Way asking me to confirm that I used to live at an old address, I left this address around 15 years ago. I did not reply to either of these letters and (maybe foolishly) destroyed them. I had previously had letters from MacKenzie Hall and eventually sent them a statute barred letter as the debt they were referring to was not only one that I didn't recognise, but was over 6 years old. Today I have had a phone call from Robinson Way which has made me feel quite scared. I refused to go through their data protection as I recogni
  9. Hi, I've been getting spammed by text message and phonecall by Moorcroft. They didn't identify who they purchased the alleged debt from. They did leave a reference number in a text message, which allowed me to log into their website and submit a message along the lines of: "Your communication by text message and telephone will cease immediately, and you will contact me in writing. Failure to comply will put you in breach of the Protection from Harassment Act 1999, and s.127 of the Communications Act 2003. Any future communications will be recorded and logged to be used
  10. Hi guys, I'll just give a quick overview of my situation. I live on my own with my dog and cat in a park home. It is in a cul-de-sac with two other park homes - one houses my landlady and the other houses my landlady's son, the property I am renting used to be occupied by my landlady's mother. I have been here, under an AST, for 18months. I'm 28, with no children, and am disabled. My friend (we'll call her Jane) had a short term relationship with my landlady's son (we'll call him Dave) which ended badly when my friend discovered just how much of an a***hole he really is. Dave
  11. I've lost count of the number of calls, texts and automated messages left by EQL - Not just me but my girlfriends parents as well.. This is despite the following letter sent in 2007 and despite the alleged debt now being statue barred (assuming this letter didn't "re-set the clock" - I've made no payments, and never accepted this as a genuine debt). What's my next course of action? Further letters, complaint to OFT? Find their head offices and go on a kill-crazy rampage? Seriously, it's getting ridiculous now! Help much appreciated, as always.. Equidebt ltd Eq
  12. Hi everyone. I am in need of some advice. I had a loan with royal bank of scotland which (due to money problems at the time) went to debt collectors (Frederikson international) I agreed a payment plan with them directly with direct debit and paid this off. 2 months later i get a call from the debt collectors again saying i still owe another £500. I queried this as i do not have a bank account with this bank and only had the one loan. So there is no logical reason why they would want more money and none of my repayment defaulted. They said i would need to spe
  13. Hi, This is a bit complicated but bear with me. I had a Co-op bank credit card for many years with a £500 limit. Whenever i used the card I always paid in full each time a statement arrived. I have for some years been on ESA. Last summer, due to being on £71 assessment for over a year awaiting an appeal i had to use my card for living expenses. I withdrew up to the £500 limit. I intended repaying the minimum payment each month by making a payment then withdrawing £10 for the following month. I realise the balance would not go down much but I would be making payments. However the
  14. Hi, wondering if anyone could help over an issue that I have. My son was due a bank several thousand pounds, the bank have now sold the bad debt to a debt agency. The agency call me very frequently asking for payment, despite informing them of whats happened, they never listen. My son was living with us while at university, and he has the same name as I, Im certain the debt company thinks I am at it!! The debt is from 2006 at the latest, I know this because in 2007 he emigrated to New Zealand, where he now lives. He wont ever be back in the UK, so this could drag on forever unle
  15. Hello Well to cut a long story short i took out a Vanquis card around 18 months ago whilst i was in full time employment, to build up my credit history as i was 23 and hadn't previously had any history. Unfortunately last year i was diagnosed with a chronic illness and had to leave my job, since then i have had to live on ESA benefits for my poor health. I advised Vanquis of this straight away and last year i set up a payment plan with them. However even though i am paying this every 2 weeks by standing order they are still adding charges and interest on top, and constantly calling m
  16. Hi Everyone... I hope someone can help me! I have had a water bill of £573 when it is usually £25. We have had a lot of harassment from a neighbour, even been to Court and won but she just won't leave us alone! During the hose pipe ban, someone rang Veolia and accused us of washing cars in our field! We never take cars into the field and certainly wouldn't wash them in there. For one thing the field is too wet in winter to get a car in! We are trying to obtain a copy of the tape from Veolia as they won't disclose the persons name but they tape the call. Whoever turned the tap on, climbed
  17. Hi, I received a letter posted by hand 13 days ago regarding two unpaid court fine from marston group.My fine was originally £110 and the other one was £125 but i was paying it off using hmcs card payment service,£5 a week.I was in full time education living on a tightest budget.ALG (adult learnign grant) my passport had to go to homeoffice for a visa renewal.it normally takes 12 weeks or more but in my case it took 6 months and when my visa was about to run nobody wanted to give me a job if in case i dont get a new vise and the money they spent goes down the drain. I finally finished c
  18. A company that sues shoplifters on behalf of retailers has accused a Citizens Advice Bureau official of organising a campaign of harassment against it. The firm, Retail Loss Prevention (RLP), has also threatened legal action against several consumer websites because of comments on their forums. It wants to uncover the identity of internet critics who have called for the company's business to be disrupted. The CAB official denies the accusation. RLP has accused its critics of trying to damage its business in a "vindictive" campaign. http://www.bbc.co.uk/news/business-1
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