Ok heres the deal. I signed up for a 3 month virgin active membership back around july, after one months use I wanted to cancel, they wouldnt agree and the idiot manager would not even agree to simply talk with me. I didn't use the gym in the last two months but they don't care and the contract doesn't of course. Arc debt collection has been dealing with me, I owed around £170 or something in total ive already paid £90 worth, maybe that was the wrong decision but I do not want to pay them the remainder. I've set loads of dates to pay and many I have not paid and we just rearrange one guy called saying the solicitors will get involved and court action if I do not pay, I do not want to pay them and i did not pay a payment recently. No doubt they will call me saying solicitor or court action will be taken. What should I do??? I know I should have came to this forum earlier. I do not want to pay these morons or go to court and be forced to pay this little amount and travel there since its out of london etc. ????

I was with EE for a relatively short period before I went to another company - GB energy who have subsequently gone bust. The thing that struck with EE was that their bills never made any sense to me. From a period covering 28/01/2015 to 25/01/2016, I received 4 bills: Bill a) covering period between 28/01/2015 -10/04/2015 shown I was in debit by -£30.32 ( received on 11/05/2015) Bill b) covering period between 28/01/2015 -05/10/2015 shown I was in credit by £171.189 ( received on 07/01/2016) Bill c) covering period between 28/01/2015- 05/10/2015 shown I was in credit by £95.81 ( received on 07/01/2016) Bill d) covering period between 28/01/2015 -01/03/2015 shown I was in debit by £35.60( received on 27/012016 Then on 20/09/2016 when was with another provider, I got another bill for 28/01/2015 -01/03/2015 showing I was in debt by £82.39 which I paid hoping that would be the end of it unfortunately I have been getting a number of phone calls from Credit Style which I have not responded to Today when I rang back a number that was with an email they sent me . No one replied but there was a recorded message to which I replied I had no idea what all these phone calls were about and left it at that. I really don't know what to do about this and would welcome some advice. Thanks

Hi All I've been a silent reader of this excellent forum for some time now, but as of now I need a little help/friendly advice. I had an old stlye SLC loan (pre-97) which I'd deferred for many, many years, moving address along the way. Hadn't heard anything for years, then some Erudio letters arrived via an old address, which I ignored (not always the best course of action), and recently I've also received letters from Capquest who I gather are one and the same. Alongside this, I've had calls/texts and have been harassed extensively. Occasionally, I've tried to engage in conversation, but I can't actually get through the data protection checks they ask for at the beginning of the site. Usually, I'd just follow previous advice and ignore - as a lot of people here have done on here. However, and this is where it gets weird. I was forwarded a letter dated last week from Capquest which I subsequently binned, and haven't actually spoken verbally to anyone about this. This morning, my work phone rang, and a guy claiming to be from TM Legal was trying to get hold of me. How they got my work phone I have no idea and was quite taken aback. He asked to put me through security, and I refused as I was at work. (open plan office etc.). Googling them reveals they are a legal firm based down South who deal with CCJs. I checked my credit file, and did a search on the Trustorg site, and nothing is showing up. I'm a bit confused, and have no other outstanding debt whatsoever. What would you do? Would anybody advise sending Capquest/Erudio Statute barred letters? Or just ignoring extensively. I'm pretty sure I've not spoken to them in six years, but I honestly can't recall the last time I sent deferral stuff. Could've been around 2012, but I'm really not sure of this. In addition, I've categorically NEVER spoken to Erudio direct. Any advice would be very much appreciated. Kind regards M

Six months ago I transferred my electricity account to a relatively new supplier in the UK Extra Energy. I understand this company has German parents. I have been trying to get a bill from them for the past two months to no avail. When contacted by telephone nothing is resolved not even a change of e-mail address. They are charging me by way of Direct Debit over double that charged by my previous supplier Npower, who are not renowned for their competiveness. I told them by e-mail that if I did not have a bill within 3 working days I would cancal my Direct Debit. I have recieved no acknowledgement of my e-mail after 5 working days, nor any answer to other queries. I have now cancelled my DD. I understand by law they should submitt a bill at six monthly intervals. Any advice as to what I should do next? With thanks Carningli

Hi Everyone, I have a few questions and I'm hoping to get some advice. I joined xcercise4less where I stay for university in Nov '13 on a year long contract and then cancelled the membership in Oct '14, which I believe means I paid for all 12 months of the contract. After I cancelled, letters were sent to my parent's address from CRS saying that I owed money. Now the "debt" has been passed on to Zinc and is somewhere in the region of £200. I spoke to them on the phone, which was probably ill-advised a few weeks ago, and, if I remember correctly, the majority of the charge was from admin fees. I didn't get much useful information past that. I realise that I didn't cancel properly, so I'm not sure whether I'm in the wrong and owe the full amount or if they're just trying to throw the book at me and charge me a great deal for admin costs. I'd imagine I'm liable to pay for a month of membership because I didn't give them notice, but I think that'd be it, right? Any advice would be greatly appreciated!

Afternoon! Really really hoping you guys can offer some advice. I have received a claim form from Northampton County Court Business Centre, SUM is for 664 inclusinve of costs. I have parked in a private "wasteland" car park, tucked away on the side of a building, subsequent to this i did receive PCN's however took local advice and one even from a police office to simply ignore. Having ignored these (first dated 03/10/2014) I have today received the claim letter along with a letter from the solicitors detailing the particlulars of claim. I wouild like to defend this case given that my job would be put in substantial jeapordy should this be awarded against me (work in financial services) Any advice - PLEASE!

Evening All, Does anyone know how the energy companies are supposed to inform you your tariff/deal is coming to an end?? Mine (Scottish Power) came to an end October 31st 2014 but i didn't receive any letter/email 42-49 day prior to this date informing me it was ending. I received (via SP online portal) an annual statement on 4th November and included in this was one line stating 'you may want to think about changing' Then on the 2nd December i received an email (again via the Scottish Power portal) that my tariff had changed!! I know its March now but i didn't read the Statements at the time but if there had been an email telling me that my tariff was ending then i would have changed straight away! I'm now stuck on Standard online tariff paying through the nose and because i didn't notice until now and i'm in debt as i haven't paid enough on my direct debit each month so if i want to change then i've got to pay up £200!! I phoned SP and got fobbed off by telling me a load of bull which was total lies, so much so that the woman i spoke to hung up on me as she knew she was lying!! unbelievable!!!

Hi I am a first time poster and I am looking for some advice Last November I received a letter from Northampton County court relating to a claim from Wright Hassle acting on behalf of Cabot claiming £9k from an original credit card I had with Marbles. I defended the claim and made a CPR request to Wright Hassle, Cabot and Marbles. I received notification from the court that my case has been allocated to the small claims court. Marbles responded to my CPR with a package of statements dating from 2003 to date. They have not supplied my original agreement as requested and cannot find my statements from 2000 (the year I originally took out the credit card) to 2003. According to Marbles my balance on December 2014 is £6k. Running through my statements I have paid £1,500 in PPI. Running through the interest they put on the PPI and the interest owed to me if I made a PPI claim the sum comes to around £3k that should be deducted from the balance. Wright Hassle have sent me a letter that they intend to pursue the case. Do I; Defend the claim in its entirety as they cannot provide my original agreement and cannot find 3 years worth of my statements (although I am not sure of my legal standing on this). Contact Cabot and offer to settle at £3k (The original debt of £6k – the £3k PPI). I would be grateful for any advice.

Hi My vehicle was broken into. I called up autoglass. They asked me the type of insurance i had which i told them it was third party fire & theft. They then asked me if i had glass cover to which i said i dont know or i think so as i didnt have my policy documents with me. They came the following day and fixed the glass on the basis that i had glass cover. A few months down the line they contacted me saying my insurance company said i do not have glass cover, which i consequently verified. Now they are chasing me a ridiculous amount of money. I made a complaint to them that when i first spoke to them i told them that i wasnt sure about my cover. I'm pretty certain that i didnt say i had glass cover for sure. Prior to calling autoglass i had called another company who said they's get back to me once i gave them my car details. This company called me back after auto glass had been to inform me that my insurance did not cover glass repair/replacement and advised me of my options. I feel that based on my uncertainty at the time of speaking to autoglass they could have at least verified the details with my insurance company before coming out to fix the glass and then checking later. If i had known i could have repaired the glass independently at the fraction of the money they are now claiming to be owed to them. I have disputed this and they said they have audio evidence. I said fine- send me the audio file to which they said they could only send me a transcript, which i believe will be doctored to suit them. What should i do?

Sorry if this in the wrong section. Hubby has o/s debt which has been passed from cabot to hamptons. I am pretty sure it is over 6 yrs old but I will have to get the paperwork out at the weekend. They constantly text his mobile but he hasn't spoken to them. 3 weeks ago he took over a business (inc phone number). The telephone company is Titan telecom (i know there are **** but there is 2 yrs left on the contract!). The first odd thing was a couple of days after he took over - he had about 10 phone calls on his mobile from utility companies trying to get his business. He pays the landlord for electric so told them where to go. Today, Hamptons phoned the business land line asking for him. He panicked & hung up. (I've told him never to talk to them anyway). I've googled his name, company name & address and the telephone number does not come up, so my question is, do you think Titan have sold his number on? However I cannot see the connection between them and Hamptons. If they have, is there anything I can do about it. Thanks

so, I have an ex partner, and it seems she used an ebay address of mine a few years ago to sey up an ebay account. the account has a balance owing and every week for the last 3 or so years I have recieved an email threatening me with further action. the account is not in my name, but my email address has been used. multiple times i have replied to the email and had an answer back saying that they would et back to me with a solution. they never have. what is the best course of action, it's not so much an issue as just damn annoying!

We reported to the council that the tree growing on their land has branches that are affecting the telephone line. The branches were pressing up hard against the line straining it almost to breaking point. After much arguing with the council who denied all liability, BT Openreach was persuaded to cut the branches which they did but emphasise that it was not their responsibility and that they would probably bill the council. It has taken several weeks to get the branches cut and we still think that the tree is the council's responsibility and not BT Openreach as after all the tree is maintained by the council and is on council land. Unfortunately as the tree grows we will be faced with the same problem within the next year or two!

Morning all, my first post but I've been lurking for some time! I have recently sent off 3 CCA requests to my Credit Card companies with no satisfactory reply. I sent the account in dispute letter to all 3 on Tuesday, they all received them yesterday. My question is, Barclaycard have issued me a Default Notice last week, all done properly as I can make out, after not sending any payment for the last 3 months. Can I, by making one months payment, render this Default Notice void or do I have to pay the full arrears? Any opinions please guys? Thanks in advance

Hi, I did post on here some time ago about this problem with Robinson way but I thought it had been resolved and now I can't find the thread. I'm just abut to write to Robinson way but I need some advice/reassurance before I do so I would be ever so grateful for some! Recap: Got hassled by Robinson way for years (from 2005) until I sought advise and started writing to them and told them I would only deal with them in writing etc etc in about 2010. Asked them to produce my signed credit agreement (2011) to which they replied saying they couldn't, but did send me all the other stuff requested in the SAR, everything they had. In their letter they wrote "....we have been unable to obtain a copy of the agreement from the original creditor. Whilst this means that credit debt may unenforceable through court, it does not mean that the debt does not exist or that we are not entitled to pursue you for the amount outstanding." This letter was dated 20/4/11 and 4 days later I received a 'doorstep visit' but I told the guy to get lost and that I would only correspond in writing. Immediately I wrote to Rob Way and said the following: Please be advised that I will onlycommunicate with you in writing. I have noted your repeated attempts to contactme by telephone over the past year. Furthermore, I received a “doorstep call” at 19.05 on 24thMarch 2011 - please be advised thatunder OFT rules, you can only visit meat my home if you make an appointment and I have no wish to make such anappointment with you. There is only an implied license under English Common Law for people to be ableto visit me on my property without express permission; the postman and peopleasking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB384. per Lord Evershed M.R.). Therefore take note that I revoke license underCommon Law for you, or your representatives to visit me at my property and, ifyou do so, you will be liable to damages for a tort of trespass and action willbe taken, including but not limited to, police attendance. I have written to you twice requesting a truesigned copy of the Credit Agreement associated with the above account alsostating that statutory notice was given on 24th March 2010 underSection 10 of the Data Protection Act to cease processing any data in relationto this account with immediate effect. This means you must remove allinformation regarding this account from your own internal records and from myrecords with the credit reference agencies. Should you refuse to comply, youmust within 21 days provide me with a detailed breakdown of your reasoningbehind continuing to process my data, as you will see in the enclosed copies ofmy original letters. I also never a receiveda response detailing your continued processing of my data. I have, however, received several letters ofdemands for payment since the timescale for your compliance had elapsed on 14thApril 2010. I am familiar with the ‘Office of FairTrading Debt Collection Guidance’ which states that it is unfair to senddemands for payment to an individual when the account is in dispute. I have also written to GE Money for a SubjectAccess Request, for which they have 40 days to comply, a copy of which is alsoenclosed. I would also point out that the OFT say under the Guidance that it is unfair topursue third parties for payment when they are not liable. In not ceasingcollection activity whilst investigating a reasonably queried or disputed debtyou are using deceptive/and or unfair methods. You have 7 days to acknowledge your fullunderstanding of this letter. Otherwise I will have no option but to advise the OFT of your actions. This is the last piece of correspondence I can find that I wrote to them, and I have nothing else from them while I was at that address. I moved house in February 2012 and had heard nothing. On 21/10/13 they wrote to me at my new address asking if I was the same person as they were writing to at my old address. Knowing full well that this debt is over 7 years old and thought had been dealt with I put the letter to one side but was still thinking about it. Another letter arrived dated 7/11/13 saying "we are authorised to negotiate payment of the account with you. If you fail to pay it may mean blah blah but they have said their local doorstep collection agent may visit to agree a payment plan" Admittedly I have received much nastier letters from Rob way in the past but this seems to be opening up an old can of worms and my biggest fear is that someone will show up at the door when my partner is in - he will go mental if he thinks I've got debt collectors chasing me. I'm pretty sure (unless the law has changed) that they are just trying their luck but I need to make sure no one comes snooping around here. Luckily the last time he was out when the guy showed up but I was pretty shaken up for a couple of days, until I spoke to someone on here. There is a note at the foot of the letter saying that Rob way has been acquired by the Hoist Group - are they just going through their losses before they change hands? Any help with the letter I am about to write would be much appreciated! Thanks very much!!!

Hi all, am having a bit of bother with Orange small business customer services, to cut a long story short, my HTC Desire S isn't working as it should, rang Orange, a week ago. They offered a replacement. Problem is, they don't ave any re-conditionned Desire S in stock, apparently they come in as and when available. No one seems to know, could be days, or weeks.. I run a small business, and cant use my phone properly, so after having waited a week, i rang them back. still no news, i then said that i couldn't wait any longer, so they offered the Wildfire S as a replacement, i refused it as it is not a like for like phone. (lower specs!) Basically, i am stuck waiting for the Desire S, Orange customer services refuse to offer another like for like replacement, am banging my head against a brick wall anytime i ring them, no help whatsoever. Any advice would be welcome !!

Original Loan with Universal credit now paragon in 1990 CCJ was just under £5000 but with costs just bumped it over the £5000 and it states on the CCJ that contractual interest if over the £5000. Does the £5000 rule apply as the judgment states i should pay them £4900. I have been paying a small amount for 11 years as per the CCJ and never missed a payment, they have started hassling me again with letters showing a higher balance by about £5000 more than i owe and are requesting for me to ring them, i responded by sending a CCA and an SAR thanks to reading this forum. They have replied by sending an income and expendure form to fill out. Really need to know about the expenses which bumped it over the £5000 and what i should do now. Regards

My original ISP was closing their service so after a lot of questioning too and fro, I agreed to sign up to their broadband offer. However, within a day of placing the order, they already started to cause problems, changed the agreement, failed to return calls, left me with a complete mess to sort out and so I cancelled (or I tried to) within their time limit. They attempted to block my cancellation in time and later went on to say that I had not done so, even though I can clearly demonstrate that my email was sent and received in time. I contacted then Consumer Direct who pointed out that the company had failed to abide by the Distance Selling Regulations as well as failed under the Sale of Goods Act in other aspects of closing the other service. Since then, the situation has gone from bad to nightmare. I have been at best, misled, and then lied to. I have complied with all their demands and then they change their story and make further demands. I was eventually sent a MAC so I could set up a service with a totally new provider which I have done quite happily and they are brilliant. In the meantime, the first ISP has now turned things around to say that a) the MAC was never used and therefore I have not closed my account (which is patently not true), b ) that I owe them money and they'll pass "the debt" to a debt collection agency and c) that because I refused to send them the original email from my new provider, (which contained personal account information that is private and I should not be forced to reveal), that I had not agreed to close my account. In desperation I applied for help from the Ombudsman who, after a very trying phone call today, and despite reaching an agreement, has just taken the side of the other party despite my agreeing I would send the information to them (which I have) and refused to take the matter forward. The new Citizens Advice service which has replaced Consumer Direct have not helped at all as all they said was go to the Ombudsman or take the other party to court! What do I take them to court for and how can I do this without any funds? Trading Standards were not interested in the fact that the company have broken the DSRs saying it's only a civil law and they don't get involved, but I can take the company to court! After a pushing and pushing, they said that if I provided evidence they'd look at it, but quite frankly the way it was said left me feeling that they were just being placatory to get me off the phone and had no intention of taking any action. I feel that not only have all those agencies let me down very badly, I keep jumping through all the hoops, complying with demands that keep changing and I'm being punished because I am getting so upset about this. The original provider has at best, been very misleading and have deliberately twisted everything around to make it look as if I am being unreasonable. However, the information they require is available to them simply by contacting the wholesale provider who could give them all that they require and more that I cannot give because I cannot deal with the wholesaler. I have provided all that I can but am putting my foot down on giving them my personal account details with the new provider. I am being threatened by a huge company who has broken the law repeatedly, broken promises, twisted things around, refused to take the appropriate actions that they could take to remedy the situation and I'm beside myself? Where do I stand? What do or can I do next?

Hi everybody , i am new to this forum and was looking for help with my problem with link finance . It all started back in 1996 with my wife and i purchasing new double glazing from local company and finance through first national bank the installation was thwart with problems from windows that would not shut correctly or lock, cracked sill and front door letting in water when it rained. We complained numerous times to company and first national with promises of all faults to be rectified believe me this was a a real joke. First national sent guy out with clip board had a look at all problems and agreed about the faults and said will have company back the same week to rectify, this also did not happen at this point payments were still being made to first national. This continued for about another 3 months with nothing being resolved so wrote to first stating that if repairs are not done within 4 weeks then i will withhold payment so i did , and this continued for about a year and then first sent a surveyor who wrote a longer list of faults than i had, great i thought solution at last...wrong. First national took me to court for default £3000 then after a while passed it to Link to cut a long story short Link added over £3000 interest in 2004 but court order states any interest must be added within 5 years of order not 7 years and now put our balance at over £5000 but we did have it corrected by link but they have now sent further statement reverting our balance back to over £5000 so please can anybody help with advice we are tearing our hair out and sorry for long story, please note balance had being changing with payments made...Thanks

Hi there I'm new to this, would really appreciate advice. I was in a minor accident yesterday, never been in one before. I rang my insurance company and reported it, they said due to circumstances it was likely the other party would accept liability and tried to refer me to a non fault accident specialist to arrange to pick up my car and supply me with an equivalent hire car. I wasn't sure what to do so said no at that point. An hour later I had a call from the other insurance company saying their party admitted liability and they then got really pushy asking me details about the accident and also trying to get me to book my car in with their repairers. I felt I was being bullied into something so asked them to phone the next day. I rang my insurers and told them I had had contact from the other party's insurers. They said they did not know the other party had admitted liability and said it was just up to me to choose what I did next. I'm really not sure if I should get this sorted through my own insurance and that means going through this non fault accident specialist (who I've heard terrible things about) or through the at fault party's insurer. I'm worried the at fault party insurer will just do a really bad job. I'm also worried if I go with my insurer I'll get stung for extra fees related to car hire and the process will get dragged out which seems to have happened to lots of people who have had to deal through this particular non fault accident specialist. Please help. I'm an intelligent person but seem to get brain freeze when confronted with car related issues! Thanks