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Found 178 results

  1. Hi everyone, I can see this issue is really common and I've already read some excellent advice on here. I just wanted to make my own thread just to double check I do everything correctly! Hope this is okay I've recently decided to cancel my gym membership at Lifestyle Fitness as I am now using a newly opened gym next to my work place. My membership was just a monthly rolling, no contract, cancel at any time thing.. I followed the FAQ available on the Lifestyle Fitness website which states to email any cancellation request to Harlands. I sent an email to cancel on 01/03/18. The same evening I also cancelled my direct debit as I did not believe I owed them any further money. My direct debit payments were paid on the fifth of each month. On 06/03/18 I received an email from Harlands with the below letter attached as well as a text informing me that I had an important email: re: Your membership to Lifestyle Fitness Harlands administer the collection of all payments due under your membership agreement with Lifestyle Fitness. Your bank have advised us that your March instalment has been returned unpaid "instruction cancelled". You have therefore been charged a £ 25.00 administration fee which means you need to pay £ 46.99 to bring your account up to date. Call LIFESTYLE FITNESS HELPLINE - 01444 449171 immediately so we can collect this by DEBIT / CREDIT card and reinstate your Direct Debit over the telephone. If you wish to pay by another method, you must still phone to discuss your options. If you do not call us by 26 March 18 you will be charged a further £ 25.00 administration fee. Our telephone lines are open 8.00am to 8.00pm Monday to Friday & 9.00am - 12.00pm Saturday. They also left me 'helpful' information on what I had to do to cancel my membership - pay the above figure as well as another months notice. Despite this exceptionally prompt contact, my original cancellation email is still unanswered - who woulda think it Following advice on these forums my plan is to send the following letter: Dear Harlands, I refer to my membership at Lifestyle Fitness gym in XXX which was a rolling monthly agreement. Following Lifestyle Fitness guidance I informed yourselves of my cancellation on 01/03/18. I also cancelled the Direct Debit mandate. I now realise that I did not provide 30 days notice. I therefore offer to pay the outstanding £21.99 for the notice period. I will pay you no administration or cancellation fees and no further membership amounts. If you confirm in writing that you will accept the amount of £21.99 in full settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn. Yours Sincerely, My only real concern here is that they have my phone number. Letters or emails would just amuse me but phone calls would be rather annoying. Is there anything I can do at this stage to try to prevent that.. is contacting the gym themselves worth a shot? Thank you all for any help!
  2. I have today received a claim from Northampton issued by Cabot in respect of a Marbles credit card which fell into arrears some months ago. Without boring everyone with my life story and the reason I am in financial turmoil but I got into the payday lending trap last year, struggling to find work and wasnt able to pay my credit cards and so earlier this year stopped paying. I did write a letter but never had a reply just started getting DC letters which I ignored and now they have issued a claim. I am shocked to be honest at how quick Marbles assigned the debt to Cabot. Advice on how to proceed would be greatly appreciated.
  3. Just an outline. My father parked near his home where he was not aware that it had become a parking zone. Parked on the road side where he did not notice any signage stating he was not able to park in that area. He later received a parking fine and disputed it sending evidence of where he parked and where there was no parking signs stating he could not park in the area as well as the information below: On page 52 of the Department of Transports booklet ‘Know your traffic signs, 2015 and relating to controlled parking zones, it states ‘The times when these operate should be shown on signs at the bays; these times may not be the same as those shown on the zone entry sign’. There are no bays on the road and there was no signage. The letter was sent to them on 1st January 2018 in response to their letter dated 21/12/18. During this time they stated that they sent my father a 'Notice to Owner' dated 15/02/2018, however he did not receive this until the date for response was past. He wrote to them on 2nd April explaining this. However in this letter they also rejected my father's appeal and a request was made to pay the lower rate of £65. They did not respond to my fathers letter until 13th June 2018, over 2 months later. At this time my father was abroad burying his brother and visiting other sick relatives and returned to the UK on 9th July 2018. (He left the UK on 11th June). By this time the time limit for completing a Witness Statement or responding had run out and although the reason for this was explained to them and copies of his passport and ticket was sent to them, they stated it was 'unfortunate' that he did not receive it in time and increased the amount to £195. They also did not respond to his request to pay the lower amount in this letter. My father then sent a postal order for £65 instead of the £130 in a letter dated 14th July, and they have now responded in a letter dated 28/9/18, over 2 months later stating that he did not make representations to the Notice to Owner dated 15/2/18 or pay the full amount and as a result the amount was increased by 50%. An £8 fee was further added for and Order of Recovery with a Witness Statement attached. They sent an Order of Recovery on 11/7/2018 with a Witness Statement attached but instead of completing the statement a letter was sent instead dated 14th July. The have waited over 2 months to then state that the £65 cannot be accepted as full and final payment and still want him to pay £195 minus the £65. Although they have stated 'Should you have grounds to file a Witness Statement out of time he should contact Northampton County Court but then go on to state that filing a late statement will not cancel the PNC or reduce the outstanding amount, I think this is quite pointless as nothing would be achieved. I hope this is not too complicated. Is there anything that can be done considering my father's predicaments and their inconsiderate behaviour:?:
  4. My dad bought a used Peugeot 3008 from a main dealer. It had low mileage. He paid just under £7000 for it. The car came with a 3 month warranty. My dad has done around 600 miles in the car since he bought it. The warranty had expired only 2 weeks earlier. He took a friend to hospital which was a 200 mile round trip. On the way there the car suddenly lost all power and went into limp mode. AA came and said something was wrong with the injectors and he couldn't fix it. AA had to tow my dads car home. My Dad took the car back to the dealer. They said some of the injectors had burned out and they replaced all 4 of them. My dad was without his car for a week and when he collected it they charged him £360. Is this right ?? I know the warranty had only just expired, but having spent £7000 why should he be expected to then have to fork out £360 for a major fault. I don't think I'm being unreasonable, I would understand if the warranty had expired by several months. I'm trying to find out if my Dad has any grounds to recover the £360 from the dealer. Any advice greatly appreciated.
  5. Britain’s banks face the threat of a huge new PPI bill that could add billions of pounds to the £30bn already paid out in compensation, following a court ruling lauded by claims management companies as “hugely significant”. The case opens the door to a renewed claims bonanza as it suggests that even if the PPI policy was not mis-sold, the buyer may still be able to reclaim because the scale of the commissions paid were excessively high. While the ruling does not mean any more cash for people who have already received compensation, it may allow cases that have been rejected to be reconsidered. The ruling is likely to be appealed against but if it stands it presents a fresh PPI nightmare for Britain’s banks, after one claims expert said new payments could run into the tens of billions. Lloyds Bank has so far paid out £18.8bn for mis-sellingicon claims, while Barclays has paid more than £9bn and RBS nearly £5bn. https://www.theguardian.com/money/2018/jul/02/uk-banks-could-face-new-multibillion-pound-claims-after-ppi-ruling
  6. I Phoned up to change the seats on the flight on Friday night, only to find out the hotel we'd booked into 16 months ago (and requested special assistance a few days later because they were not open when the holiday was booked) is not suitable for those with walking difficulties (nor is anywhere in cap salou apparently) I was open about my disability from the first call and that of my children but wasn't told about the resort or hotel (I'd asked for 14 nights all inclusive but left the resort open to Thomas Cook while explaning I have sever walking issues) I received a phone call back offering Furturaventura a week earlier but my wife has never flow before and is really panicked so a 4.5hr flight isn't an option, also our kids zone out with theme parks and that's how they escape, hence Salou being a good fit. I'm awaiting a call back as I then asked for a hire car to be provided to us for our stay, if Thomas Cook refuse this, there is nowhere else for us to go and we're really stuck, I can't walk more than 10 meters I use crutches and wheelchair etc, so where would I stand about getting a full refund without being deducted anything? We're under 60 days out now, not that a full refund would help with such a short amount of time left. Sorry I appreciate its long one but my head is in a spin we could only afford this holiday as a one off because of my health etc and now stand to lose everything.
  7. Last year I owned 3 vehicles and sold one last year and ownership papers passed on, I only had it one year, it was a sports car for the summer. A few weeks ago I got a letter through the post asking if I wanted to renew my insurance and if so it would cost £220, this was exactly what I paid for my camper van insurance last year and the quote came at the same time, I always insure it in April and tax it then. As it came at the usual time, I thought it was a decent price and put it in the drawer to sort out nearer the time. I then got a phone call asking if I wanted to proceed a few days later, decent price I thought so agreed. This was on the 29th of march. I then got another letter today asking if I wanted to renew my camper van insurance and thought it was odd as I already had. It then hit me like a brick what I had done. I had insured a vechicle I no longer own and the owner has it insured with someone else. I have read by law I have a 14 day cooling off period and I will ring to cancel tomorrow, but will I get charged fees for cancelling, if the car is insured by someone else and it was a mistake, will I still get penalised? I don't want them making their own rules up while I try to cancel. I can't believe what I have done, but I'm so used to insuring the camper in April I never checked the reg Thanks for any help
  8. Hi Everyone A default has effectively just appeared on my credit record. Its for Shop Direct Finance Company LTD Account was opened on 10/10/12. Default showing as registered on 24/10/18 The status history on noddle starts with the default. There is no information going back beyond the date of the default. Ive been paying a DMP through stepchange, and i have 2 payments for Shop Direct Finance Company LTD. Another one, and I assume this one. Although the account numbers and amounts dont match up. So it might be an entirely new one. This seems like either a mistake or a rather cynical attempt to default it before it drops off my credit file. Which seems like a punish me rather than a serious attempt at debt enforcement. Im also not sure if they hadn't already defaulted it. As if they had it would have fallen off my credit report by now. Whats your thoughts?
  9. Hi, This morning I had a very important meeting that I could not miss and went to park in my usual car park. Unfortunately it was full, this has never been the case before, but I sucked it up and used the larger car park across the road where the minimum stay is 4 hours and they charge £2.50, this is why I never use it. This car park is never more than half full, but was full today. Obviously something local was going on as this has never happened in all the years I have been parking. After driving around for 10 minutes and no space appearing I saw a space that was not blocking anyone at all, and it looked like a space. There was a small triangle of yellow lines right in the corner of the space, that made it look like you could maybe not park there, but I checked all around and it was blocking no one at all, there was ample room. I took the chance as I really could not miss this meeting and paid my ticket. When I came back I had a ticket on the car, this small triangle in the corner was half obscured by leaves and was not the easiest to see. I took a pic of the leaves covering it down the side and at the back, I also took a pic of the front of the car as it really did look like a parking space with white lines at the front and to show it was not blocking anything. It was just this small half obscured yellow triangle at the back that made me doubtful, but that made no sense as it blocked nothing. I am not trying to say I am in the right as I thought it maybe a non parking spot, but paid my money and had no choice but to take my chance, missing the meeting would have cost me far more than the ticket. Is there any point trying to challenge this ticket or do I just suck it up and take it, the least they could do is take the £2.50 off is the ticket was invalid. Thanks for any help Paul
  10. Hi Just looking for some advice on this one please. We flew to Hong Kong stopping over in Dubai for 2 hours before connecting onwards to HK. Our flight was delayed in landing due to fog. We landed at 9.26 and our flight was due to leave at 9:55 When we landed, there was emirates staff fast tracking people flying to Auckland and Melbourne through the gates. Upon research today, both these flights were scheduled to leave at 10:10 We proceeded to the gate to find the gate closed and deserted and thought the plane had left. Upon further research, the plane took off at 11:01 We went to customer support and there was 8 in our party. 2 had travelled business and we were economy. We were told economy was full but there was space in business but would cost us £1200 to upgrade. This was on a flight at 7:10 that evening. We said no as we were all travelling together and some couldnt afford it we ended up all flying out on the 3:15 am flight. This resulted in us arriving in Hong Kong, 27 hours late. We also had prepaid for our hotel and missed out on 4 rooms at £180 per night for the rooms. My questions are 1. Do we have any for of monetary claim for the late arrival 2. Should Emirates have out is in business class anyway, irrelevant of us having to pay as we were the first ones chasing the space. 3. Can we claim for the lost hotel cost that we had already incurred. Many thanks
  11. Hi All I am enquiring on behalf of a friend, he took out a sky q subscription around 2 months ago and now needs to cancel all of his sky TV due to a cut in his benifits. is there any advice anyone can help ...he is worries that he will have to pay a huge bill to cancel something he can no longer afford thank you all cheers lets
  12. The DWP told me that I had been overpaid last October, although it wasn't until April 2017 that they decided how much I had to repay. This was settled at £3.70 a week out of my Income Support (I am a full time carer who gets Carers Allowance and Income Support) in May 2017. Today (21st October 2017) they have written to me saying they want to review how much I pay them and increase it. It has only been 5 months! My circumstances haven't changed. CA and IS are my only sources of income, and out of that I have bills to pay. Is there a letter I can send which will keep it at the current repayment rate? And can they just increase the repayments? If they did, can I appeal? Thanks!
  13. RBS got a DCA to chase me on a 12 year old debt but I kept ignoring the letters. It's now gone back to RBS and they've instructed Moorcroft. There's nothing on my credit file, probably due to the time scale. Do I just ignore them or issue a CCA straight away?
  14. Just found out, my mum has been paying money every week to Halifax for years! She just told she she has been paying £10 a week for a Halifax credit card, and £10 a week for a Halifax overdraft! She told me, she has been paying £20 a week since my Father died 8 years ago. She said that, at first she ignored them but they kept adding charges to both the credit card and bank account and she was worried about being taken to court! I just told her to stop it but, she said "You have to pay the banks" and is worried that if she does not pay them, they will take her to court and lose the house (My mum own her house outright, no mortgage) I only found out as, I answered a call from 01224 908402 this morning and a company called idem servicing wanted to talk to my mum. I was in the room while she spoke and the woman was asking why there had not been a payment this month. I could not believe it Should my mum just stop paying them? Thanks
  15. Hi everyone, I have been struggling with debt since I was 18, I am now 36! This all started when I wanted my first debit card from Barclays. They said no, but instead offered me a credit card to 'build up my score' so they could then give me a debit card. Absolutely true! Long story short, I took the credit card and things quickly got out of hand. A few years later I was offered both a debit card and an £11000 loan to 'consolidate' the debts I had accumulated by Lloyds... A few cards, loans and 15 years later I still have around £8000 outstanding. I have not taken out any new credit for a long time, these are all old debts. I have been trying really hard to pay it all off with Payplan for at least 8 years now, and have paid off around £10000, but I am still a long way from the finish line. I recently took a settlement from Clarity of £500 on a £2000 debt which I was very happy with, though still have £600 in overdraft debt, £2000 on a CitiCard and £5000 on a Lloyds loan outstanding. All of them have been sold on to other companies and were defaulted a long time ago. The £600 and £2000 are both owned by Cabot, and the £5000 by PRA Group. I believe that both of the larger outstanding sums predate 2007 by some margin. Over the past few years I have offered on multiple occasions all of these companies settlements, ever increasing, with the most recent being £2600 to PRA and similar percentages to the others. ALL of these companies have declined EVERY offer I've ever made, and I don't understand why. I'm trying my best, they've already had thousands out of me, and nothing I can offer is ever good enough. I read about discounted settlements other people are getting all the time, but no-one will offer me one. They've never sent me any letters offering a discount. It's like they want to draw this out forever and I'm at the end of my tether with it all! today I sent a CCA request to both Cabot and PRA on the £2000 and £5000 accounts, since I believe they were both taken out some time before 2007. The £600 account was an overdraft, and may have been within the last 10 years. As it's not too big, I'm hoping I can get somewhere with the bigger balances then settle the overdraft at whatever they're asking for. I'm posting now as there are so many threads with different things happening after the CCA response is received. I really have no idea what to do next, so when (if) I get a response I would like to post back here with copies of the letters and hopefully someone can help me? Of course I'm hoping that these CCA'd debts are unenforceable, and if that turns out to be the case I do still want to pay the accounts off by way of settlement and will need some help to do that too. I want to do that for my own peace of mind, and I know some people just ignore them once they know they're unenforceable, but personally I would like to clear them off even if it's for just 10% of the remaining balance. I want them gone. Any advice in the meantime whilst I'm waiting for replies would be most welcome. On a separate note I registered for both of the CRA's I saw mentioned here, Noddle and ClearScore, but neither of them were able to provide me a report. Both said insufficient data or words to that effect. I am registered on the Electoral Roll, have a mobile phone on contract, and pay most of my bills by DD. Any guesses? Thanks all, KX3
  16. Last year I entered into one of N'power's 'deals' to save me money. It was actually the best deal around at the time - monthly direct Debit £46.00. This was around June time - a couple of months later, they 'suggested' that I would need to increase my DD because they estimated from my usage that it would cost a lot more over the winter period. They wanted about £65 + - I said no, bearing in mind that the previous review had netted me a refund of over £100.00, I couldn't see that I would be that much behind and I would be happy to just pay any underpayment. Not happy with that, they umm'ed and ah'ed and I compromised at an extra £10.00 per month. So I have been paying them £56.00. Just received my online summary and already I am £97.00 in credit - however, look at this message they left on screen for me.... !! Well tough, I want my money.. . Message from Npower.pdf
  17. Hello Today I needed to cancel order on floor panels that had value of around £2000 there was nothing wrong with them, well beside the fact I found similar quality panels for half of the price so it was obvious I would need to cancel my order with Carpetright as I'm not made of money just like most of the population. I went to the store with my order confirmation where I paid for the panels with cash(the panels were supposed to be delivered next week) I told the manager of the store I wish to cancel my order and that's where all of it starts. I've been told that I can cancel but I will be charged 20-25% of the order value which added to over £400 just for the cancellation and the explanation for this was the panels were ordered specially for me(Special Order) and the store wont be able to sell them now. I was rather unsatisfied with the fact and said this is too much which was countered with the response that even offering 25% charge is a sign of good will as the store has right to refuse cancellation. I would like to add that they failed to show me any term and conditions that stated charge of 25% but only a short snippet from a leaflet that says I can only amend order within 24 hours. After few minutes of arguments and call to regional manager by the shop manager they offered me a check for £1800 which I accepted as I felt I had no options left.( it will be sent by post within 7 days) My question is was actions of the store justifiable? Did they have the right to charge that much? Is there anything else I can do? Do I have right to a full refund? I can understand paying for handling but the price they came up with was ludicrous.
  18. I was on Incapacity Benefit at one time and years ago was sent an ESA50. I filled it in, sent it back, and was granted ESA WRAG, and never had a WCA. Now another ESA50 has arrived, and now I'm thinking they're going to haul me before a WCA this time. I'm also afraid that this means that my ESA has already stopped. Is this so? BTW, should I take my time in sending it back, or send it back as soon as I can? Should it also be Special Delivery?
  19. I've gone through the first level appeal for PIP at Tribunal (twice - the first tribunal was disallowed for legal reasons). On receiving the latest tribunal's refusal, I got home and immediately reapplied for PIP. I'm honestly beginning to have doubts as to whether it's worth it - I feel my one piece of supportive evidence has been turned against me. My long-term condition involves chronic heart failure and type-2 diabetes. I would maintain that my condition has not improved and in some areas has certainly got worse. The tribunal said that my condition was insufficient to qualify for either the daily-living or the mobility components of PIP. In the course of the tribunal, I admitted telling my doctor (of nearly 30 years) that I was unable to walk for long, before stopping to catch my breath. The interpretation of this was that I had put words into my doctor's mouth. I can't see how I can have led my doctor in the course of an everyday examination. When you see your doctor, it's reasonable and expected that you would tell him what's wrong, and he would then do what he could to heal you. My PIP medical was a year ago. Getting to this point has meant enduring a lot of stress and a large drop in income. My heart-rate has never slowed, meaning I have been even more exhausted than usual. I'm bowled over by the negative outcome.
  20. Well, as I predicted in my previous thread http://www.consumeractiongroup.co.uk/forum/showthread.php?476584-Highview-Parking-want-another-go-***Success*** I was half expecting a PCN from LowLife Parking for 7th & 8th April, and I have to admit, was rather surprised when they didn't send one. However, today, the postman has brought me a gift That'll be 29 days then, and as there was no NTD (as LowLife don't do those) it'll also be game over. I wonder if I'll get another one (for 8th April) on Monday The definition of insanity is doing the same thing over and over and expecting a different outcome. I've no idea what LowLife are playing at on this one. So far, I've always found them to be on the ball regarding the sending of NTK's, but, as they clearly have money to burn, I shall assist them by wasting some more of it for them. hpl060517.pdf
  21. Just had bailiff turn, threaten locksmiths and actually called a locksmith for a speeding fine from June last year. He handed me a notice of intention to enter and search premises - removal notice. under Tribunals Act 2007 s12 p2 18b enter premises using reasonable force even in absence. He said he could force entry and a locksmith would be called to gain access. I asked him for his warrant of entry under s15 but he refused. My partner did not know that her speeding fine would be taken to court, she is unemployed and has just had to pay £650 out of her savings for this. Any help would be appreciated? This is for my partner whos speeding fine it is.
  22. Having grown up in Africa, this always make me laugh...
  23. I had to pop in here to see what the state of "smoking" affairs was like. I gave up a few months ago and on the night out over last weekend, I was met with a friendly lass at Sainsbury's cigarette counter telling me that 10's aren't sold any more, nor are the smaller pushes of tobacco. Did I hear correctly? Luckily I shed away as the only thing on offer was Marlboro (£10 quidaroo a pack!)... As glad as I am that I'm not smoking (I'm vaping though), I think that this move for the government is absolutely ludicrous. I assume they state that it's for the better health of things, but get real... If someone wants a cigarette, they'll usually just splash out for it. Personally I wonder if this is a move to start taking the e-cigarettes. I've personally saved fortunes with my lil e-giccy. It's odd how it co-incides with the new regulations to the e-cigarette liquids which came in a few months ago... Anyway... rant over... Happy cagging and stay safe! Ade
  24. Hi, just checking my credit score on an app, and noticed a CCJ was issued on the 28th April, I have no idea what it is for or from whom. I need to find out what this is about and get it removed, I called one number and got a recorded message saying that I had to pay £255 to have it set aside, but is there another way as i can't see it fair to have to pay this just to find information on it!
  25. Hi, I have just picked up a car 530pm today reference and on my way home the car stalled in the middle of the road and it took awhile before the engine turned on again. when it did, multiple warning lights came on the dashboard 1. DBC (Dynamic Brake control) 2. ASC (Automatic Stability Control) 3. Engine Malfunction 4. Tire Pressure Monitor. Carried on driving but felt there was a problem decided to go to my friends house which was nearer from where I picked up the car from instead of driving it all the way to where my final destination is. The car was not normal to drive anymore had to make this assumption that its not safe to drive it any further as there seems to be no power on the engine. When I finally got to my friend's house, I sent a text message to the dealer as I know they were already closed at the time. to my surprise he replied and told him about the ordeal I just had within the hour of picking up the car. he said he is off tomorrow but asked me to call as he would sort it out with their mechanic. I have also called car finance 24/7 my car broker after sending the text to the dealer and was advised to get in touch with the dealer. I am worried that this may be a faulty car and have also sent an email to my loan/finance provider moneybarn too. I can be informed if what my options are if this is the case and was obviously conned which I am hopeful would not be. Please let me know if you any sort of advise. I am really frustrated. test drove the car and was assure it was in an excellent condition.
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