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  1. Hi all, I've been directed here from reddit. Reading a few threads i think i have my answer but want to make sure i am ok to cancel my DirectDebit So 2yrs ago i signed up to a local gym (Choices health club - Derby)i was told it was a special offer at £20 a month due to a grant of some sort. Today i emailed them stating i would like to cancel with immediate effect as i've not been in over a year, to which they respond to say its a 36 month contract and i have 1 year left!? However i was not told this was a minimum term of 36 months! However after reviewing the T&Cs it does s
  2. Hi, I purchased an induction cooker from a seller on eBay and the eBay listing said it had a 12 month warranty (purchased 13th December) you can no longer see the listing page but they delivered it to me and gave me an invoice with 12 months guarantee written on it and £240 paid (£190 for the cooker, £50 delivery). I was shown it working but they only showed me the front hobs. the first time I used it I noticed that one of the rear rings only works if you push down on it until it gets started and the other rear ring will only work while you push down hard on it (which makes it
  3. Hi, Could someone give me some advice please? I started working for a company in May 2018. I started as a temp from an agency with a weekly payment. This was supposed to be for 3 months, then if we performed well, they would interview us, and potentially keep us on. I was told I was given an interview in August, and they decided to offer me a permanent position, advising I would go permanent from September. I was then told as it was so close to the payroll deadline, they would ask the agency to keep me on as temp for the month of September, and would actually make me permanent
  4. I purchased a refurbished TV with inbuilt dvd from Tesco's Ebay seller. The sound wasn't the most perfect I'd ever heard but I just put this down to its being a cheap telly (normal price £119, I bought for £78). By the 5th-6th week I was having to turn the sound down to next to nothing and cover my left ear because it was literally painful inside the ears. I borrowed a friend's TV, which happened to be exactly the same model but only two weeks old. There was an undefinable lack of quality in the sound of mine when comparing the two, I sent my telly back to be repaired.
  5. Hi all, I had a CCJ issued against me on 26th April, I contacted Shoosmiths LLP who were acting on behalf of client and agreed repayment terms over five months. I am now in position to repay the debt before the 26th May, i checked with the court this morning and they agreed that if that happened then i can ask the court to cancel the entry on the register (they stated that normally the claimant will notify them). Tonight i phoned the automated payment line where a message says that they cannot accept payment to clear outstanding balance unless agreed in writing, this no
  6. Hi I have received a letter today from Marston High court enforcement about an alleged parking ticked from Kirklees council in my old car from 18 months ago. If I ever received a parking ticket I've paid it straight away, no way would I just leave it. It states I now own them £173 with fees for a debt I have no clue about, I don't have any recollection of any unpaid parking fine, I've had no reminders or letters, just this through the door today. What do I do? This is really annoying, if it was a debt id ignored or knew anything about I would say fair enough, but I am clueless
  7. Hi, hope someone can advise me on this. My letting agent is telling me that at the end of my current contract, they want me to sign a 12 month contract otherwise I will have to leave. I looked on my tenancy agreement and it states the following TWELVE MONTHS beginning 6th july 2017. If the tenant does not leave at the end of the fixed term, the tenancy will continue, still subject to the terms and conditions set out in this agreement, from month to month from the end of the fixed term until either the tenant gives notice that he wishes to end the agreement as set out in clauses 6 and
  8. Dear all can someone please help with a problem i am having with IND. just recently oct 17 i had a CCJ drop off my credit report ( the CCJ was sent to 643a instead of 643 and as a result i never received the CCJ, fast forward 6 years i have had no communication or contact from ind etc, last month when they searched my credit report, i rang them to ask why they were searching my report, they asked me for my DOB and i told them they said they could not discuss anything with me as my date of birth did not match their record, a week later i received a letter and a s
  9. This very recent Local Government Ombudsman's decision (released 10 days ago) is another one of importance. In this particular case, a motorist had incurred a penalty charge notice from London Borough of Haringey for wrongful parking. As the contravention was for parking as opposed to a CCTV contravention, she received a Penalty Charge Notice on her car advising that the charge was £130 but if she made payment within 14 days, she would be entitled to a 50% discount bringing the penalty down to £65. She told the council that she could not pay and offered to clear the debt over a
  10. Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze
  11. Hi. I have recently fallen into rent arrears with my housing association I have a long term tenancy, have been here since 2010. I have a long term illness that has got progressively worse and in the past 2 years, I have been totally disabled. Without going into a load of irrelevant details, I spend am average of 18 hours everyday in a lot of pain, and have been hospitalized more times than I can count. I have recently been told I will never get any better as the bulk of the pain is because of scar tissue from a series of operations in a short space of time. Our rent paym
  12. Hi all, First off, fantastic community here. I have spent a fair amount of time researching and it really is incredible how companies can act. I have a slightly different situation which I couldn't find anything comparable from searching the forums. I signed up for a 12 month Fit4Less membership where the first payment was taken October-2016. I cancelled the direct debit sometime about August 2017 where the last payment was taken August 2017, this was due to me moving about 1.5 miles away and wanted a gym in walking distance. Therefore, I have only paid 11 of the
  13. On the 11th Hour, 11th Day, 11th Month the First World War Ended "Armistice Day" In Flanders Fields Poem In Flanders fields the poppies blow Between the crosses, row on row, That mark our place: and in the sky The larks still bravely singing fly Scarce heard amid the guns below. We are the dead: short days ago, We lived, felt dawn, saw sunset glow, Loved and were loved: and now we lie In Flanders fields! Take up our quarrel with the foe To you, from failing hands, we throw The Torch: be yours to hold it high If ye break faith with us who die, We shall
  14. I've been reading around this forum before posting but I can't find an answer. I think I may be in an unusual position, so any advice specific to me would be great. I need to leave my job next week. Let's just leave it as a 'personality clash' (Manager is a , I'm not! lol) I've found a new job starting 1st November. Great! BUT, I went to the job centre on Friday and my area is trialing UC, and so the first payment I'd get is in 7 weeks from when I leave my job. Obviously I'll be working by then, but won't be paid till 1st December. I have no savings, but have pa
  15. I have a default of £2,976 with Natwest. £1,176 of which is made from fee's from when I went over my overdraft limit and then couldn't afford to pay enough money back to the bank to be able to get myself back under the limit. I accrued the overdraft while at Uni. This was a student account to start of with. The first time I went over the limit was in May 2011. My owed balance went up from £1767 to over £3000 in the space of 8 months. Even though I complained to the bank that this was spiralling out of control and I didn't know what to do. They just
  16. Hello i was recently let go from my position as an ICT technician, a role which i have done succesfully for the last 17 years. I started the new job in June this year, leaving a job which i loved but wasnt well payed. At the end of August i was called into head office for a meeting about my 3 month probabtion which was coming to an end. In the meeting i was told that i had not performed as well as they had hope and would not be continuing to employ me and that he was taking advice from an external company (who incidentally were coming in and starting to look after the IT at the start
  17. https://uk.yahoo.com/finance/news/sky-accused-letting-72yo-alzheimers-sufferer-pay-110-month-tv-packages-175050618.html Media giant Sky allowed an elderly Alzheimer’s to pay £110 a month for his TV package. Rachel Holdsworth says the family was astounded to learn her uncle, Rodney, was parting with so much. They thought initially that the 72-year-old, who was diagnosed with early onset dementia a couple of years ago, was paying for broadband despite not having a computer or mobile phone. But, after finally convincing Sky that she was a relative and gaining acces
  18. Good Afternoon everyone, Having had a read of these forums I have seen how helpful you have been with offering advice to other people so decided to register and post my own situation to see if you can offer me any advice. I am currently a private tenant through a letting agent. I originally signed an Assured Shorthold Tenancy Agreement on the 1st October 2016, which was a 12 month agreement with a 6 Month break clause. This agreement was signed by both myself and my Girlfriend at the time, so this original tenancy has not yet ended. On the 12 June 2017 (3 and a half months
  19. This is a nice story and should give hope to others with similar health issues. Read More : -
  20. About a month ago i received a Court Find in the post for around £350. I sent a letter asking what the fine was for. I got a letter back saying that on 26/03/2015 my car was found not to meet the insurance requirements. I have had the same insurance company since at least 2014 and it renews automatically every year since. I even phoned my insurance company and checked with them the exact date in question and they confirmed that my car was insured on that date. The letter said they are holding off on the fine until the 10th of June to give me time to contact the
  21. OK last year i set up a monthly DD to pay my car road tax. This has been paid every single month and i have never missed a payment. At the beginning of April i received a letter saying my car was not taxed the letter was dated around the middle of march. I checked my bank and found the DD for April had been paid so i assumed it must have been a mistake. I just received a second letter telling me my car was not taxed so this time i checked online and it shows my car as being not taxed. There is no reason why my car tax is not taxed. The monthly DD is still being paid and has never fa
  22. Hi, I'm hoping for a bit of advice in regards to an issue I've had with Gymbox and now ARC. I joined Gymbox at the end of January'16. I was chased by the 'sales guru' to pay in Jan to qualify for the no joining fee offer in that month only. However, I was unable to get to the gym until Feb 11th to sign the contract. Verbally (stupidly!) I was assured that this wouldn't impact the terms of my membership. According to Gymbox's terms and conditions the minimum term of all monthly memberships starts as of the 1st day of the first full calendar month, so therefore I believed my membe
  23. HI, just wondering if anyone can help at all plz, im in receipt of payments fro my ex for our 2 children that live with me throughout the week and visit their mother 6 nights per month plus 2 weeks holidays. The CSA closed there file on the 11th Feb but collected the arrears on the schedule, CMA have assessed payments but starting the 7th March leaving quite a shortfall in payment. Ive been on the telephone to both companies and told theres nothing they can do about the period in between which is alomst a months payment.. is this right as they both state that the paying parent has a
  24. Disabled man had a severe relapse last year after making a claim for ESA. The claim form was registered and begun in September and received when he was capable of finishing it and posting it in January. They have paid some of it. They are now stating that there is a 3 month cut off point that they will not back date. Because the delay was due to his disability, and the claim was started in September, is this correct? He is not trying to back-date it prior to September even though he was severely disabled then too...
  25. The following is from the BBC News today: http://www.dailymail.co.uk/news/article-4057088/Car-clampings-double-tax-discs-axed.html
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