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Found 2 results

  1. Hi, I'd like to formally introduce myself, I have been in the Financial Management business since 1996, and unfortunatly due to personal reasons, lost my business in 2007. Instead of helping people and businesses in financial difficulty, I was one the in trouble! Anyway, I am experianced dealing with people in financial trouble, dealing with banks, credit and finance companies, debt management, and very experianced with Payday Loan companies!!! I have also dealt with debt collectors and various creditors, usually very successfully. I have dealt with properly every PayDay Loan company out there, many are the same company under different names. I am at present in the process of having Debit Card Loans/Cheque Book Loans investigated by the FSA, and have reported them for breach of the Data Protection Act and what I believe, fraudulently attaching a Standing Order to a Bank account. This company needs dealing with their underhand deeds! I have found that most PayDay Loan compaanies will not take you to court, although they will be a pain and ring you at work. My advice is to ring them first when you cannot afford to repay your monthly loan, and be strong. Do not back down, do not pay what you cannot afford, and always keep the bank account with your wages being paid into secret, and do not disclose your debit card details to anyone!!! I have sent a few CCA requests, only to find that none of them replied! The only ones that have ben a pain to deal with, apart from DCL, has been Swift Loans, Chantry Collections, the're all a pain at times! If anyone wants any advice or help, please ask and I'll do my best.
  2. Hallo need some advice, In April 2012 I signed a 12 month gym contract with Fit for Free; Off-Peak fitness, @ £9.95 per month. On the 16th July 2012, I upgraded from Off-Peak fitness to Unlimited fitness, @£15.95 per month, following the completion of an upgrade request form at the reception. I was not given a copy of this form. After 10 months I stopped going too the gym and after 11 months I cancelled the standing order. My reason for cancelling was that some of the equipment had not been maintained, and after reporting it the several times to the staff, nothing was done about it. Addionally I clearly ticked the box I do not wish to be contacted by Fit For Free for special offers and marketing purposes. Yet I have, by email and text messaging, been contacted. On the 24th April 2013 I recieved a letter from Fit for Free asking that I pay £33.90. I replied saying that I was willing to pay £9.95 the amount on the contract that I had signed. Nowhere on the contract does it say that if I upgrade my membership that I will be held liable for the increased amount. I asked Fit for Free to show me a contract that I had signed, which said I had to pay the increased amount. They didn't show me a contract of course, because there is no contract. On the 29th May I was contacted by CCI Legal, saying that I had an account with them and that I now owed £100.85. On 1st June I emailed CCI, telling them that I was in dispute with Fit for Free and in no way was I admitting that I had a debt. They ignored this letter and have phoned me every working day at the same time, using an automated voice robot. They have also sent me letters. In the letters they threaten to use one of 8 methods to get money and they urge me to call a premium rate phone number to workout a payment plan. What to do now, how can I get these bullying lawyers to stop harressing me? Is legal action an option? Thanks for any advice. Kaly
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