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Found 97 results

  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 state its a 36 months term. I think 36 months i a very unfair term as anything can change in that period. Can i cancel my direct debit worry free or do i need to go about this another way? Thanks for your help
  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 impossible to cook with). The rear hobs are the only boost capable hobs and boost is the reason I wanted induction hobs. I can only cook one large pan at once as the other large rear hob doesn't work. When I phoned him up about it he said don't worry you have the 12 month warranty (at one point I was told this is a parts and labour warranty, it may have been on the original eBay listing I don't know) and to call him if it got any worse. I felt sorry for him, I don't know why I'm not normally too soft but I said OK. It has got worse, the other day the ring that works normally if you push down on it at the start didn't and I had to cook on the small pan ring which doesn't heat the pan up effectively. it's sort of working again (I have to push on it) but the other rear ring still doesn't work and it means I can't cook two large pans at once. I want him to fix it. He admitted on a phone call before Christmas he doesn't know a lot about induction cookers but said he knows a guy who does and would call me back. I waited a month he never phoned back. The past couple of weeks I've phoned him 3 times and sent him two text messages and he isn't responding or answering my calls. I'd rather he fixed my cooker but if he can't or won't I don't see why I should have to accept a cooker I can only cook one pan on and want a refund. It's my plan to write to him and give him 14 days to respond then try my luck with the online court claim to get my £240 back. I'm on ESA so I think I can claim court fees back? Is this a good plan? Is there anything else I can do? His delivery guy wrote an address on my invoice but I've never been to his shop so I don't know it's correct. Can I ask eBay to give me the address they have for his company to see if it matches? Any help appreciated, I just want a working cooker.
  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 from October instead. About midway through October, they asked me to fill in a couple of forms and email them back within 2 days, stating otherwise I'd cut payroll cut-off and would not get paid. I filled these in and sent them back on the second day. I got an email back saying I had missed payroll as I should have sent it before 5pm. There was no such detail in the email I received. I had also asked my manager to send the form back for me as it had to be signed, and my manager had sent it after 5pm. They then said they would look into organizing an emergency payment for me. Then I got told they had not sent me a bank detail form by their mistake. I filled it in and sent it back straight away. I was never sent the bank detail form so it was clearly their fault. I had presumed they would get the details for my bank details from my agency who had been paying me previously, so it didn't raise a concern for me. Now the company is saying they will go to the CEO and see if he can authorize the emergency payment. The company seems to be putting the blame on me, even though I have done nothing wrong and it is completely the company's fault. If the company comes back and refuses to pay me for October until the following month, what are my options? Any advice will be much appreciated. Aaron
  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. It ticked me off that I had to pay £8.50 to do this. Yesterday it came back and, lo and behold, the sound it no different. My problem is twofold. Firstly, that I will have to pay yet another £8.50 (which kind of defeated the point of not buying new in the first place). It's a bit rich to sell someone a product, even if it is refurbished, that you then have to effectively pay to be fixed. Secondly, I'm worried that they will just send it back again as is. Unless you keep it for a little while or can stand it next to a new TV and listen to the difference, there is no clear problem. And their policy states: The warranty policy states "If a product is returned as faulty but not found to have a manufacturing fault...no product or postage costs will be refunded". See their full policy below. I really don't want it any more, nor indeed a replacement, just a refund. Any suggestions will be welcome. (policy: The fault has developed after 30 days but within 12 months of delivery. From 30 days after receipt of the goods until 12 months, we will arrange for a repair or replacement of the goods and, if this does not work, a refund. Once the item is returned to us and sent to our technicians, if a repair is not possible, we will offer either a refund, or a replacement product (stock permitting). The Buyer is responsible for return shipping costs and insurance. The 12 month warranty starts from the date of the original purchase. If a product is returned as faulty but not found to have a manufacturing fault or if a fault has developed as a result of misuse, no product or postage costs will be refunded.)
  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 now worries me that i will not be able to get this done before the 26th May. I will contact Shoosmiths in the morning but does anyone have any thoughts??
  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 and certainly had no more letters on this. I moved to this new home 3 years ago, so it can't be anything went elsewhere. Please advise Thanks
  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 7 below or the landlord serves on the tenant a notice under section 21 of the housing act 1988, or a new form of agreement is entered into, or this agreement is ended by consent or court order" clause 6 and 7 talk about giving the landlord 1 months notice before I want to leave. Am I within my rights to ask to stay on a monthly rolling contract based on the above? Thanks
  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 so called copy of a credit agreement (see below images), i decided to look around on the net and sent them a prove it letter and request for a CCA with £1 for the requested information. they sent the postal order back and said that i should prove whom i am and make a SAR request. as they do not need to send a CCA due to the CCJ. the address 643 is my parents address i have moved out since 2002 to a new address and been on the electoral register etc. can someone advise what steps i should take next, i was thinking of waiting for the 12+2 days to expire and send them a you did not comply to cca request letter is that correct. thank you in advance below is all received and sent letters hotbot.pdf
  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 15 month period at £5 per month; the Council refused but offered here a further 14 days to pay at the reduced rate. She refused to pay. A warrant of control has been issued and passed to bailiffs to enforce and the debt has risen from £65 to £513 (to include bailiff fees of £310). PS: Please see the next post for a copy of the decision.
  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 2 Month instalments or just offer pay a little? Many thanks
  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 payments made have been quite erratic, in all honesty for a while now due to being very low income and prioritising food and heating over rent, as we knew we could catch up on the rent at a later date. We always did catch up in maybe a couple of months. We have had housing benefit for a while also, so even when we fell behind, it was not actually by much. However, with my illness getting worse and (7 months back now) the DWP curing me of my illness (I am appealing and my consultant says I should absolutely win and most likely go from standard to higher ontop of this, and get everything backdated) and removing a large chunk of our income, things have not been so great. Our housing association just switched hands a couple of months ago, and almost immediately I was threatened with a notice of seeking posession. At the time I owed 200 pounds in total in arrears. I missed one payment recently and was planning on making it up the next ESA payment, but I received a notice seeking posession a week after this. Since then I have kept making payments and still plan to, but this is quite scary as we have nowhere we could go if we were evicted. My questions are 1. From looking around on the internet, apparently I have to owe 2 months rent before a notice can be issued. I do not owe 2 months rent. 2. Is housing benefit supposed to be taken into account for this? I owe £160 in arrears (I confirmed this with an adviser, got her to take off HB owed. I also worked it out myself from previous bank statements crossed with recent rent statement), however the letter I recieved said I owe £360. This is likely because the housing benefit owed has not been calculated. The 2 months rent, would this be the 2 months worth of topup I am meant to pay? Which would make the total I am supposed to owe to make it 8 weeks £200. Or is it meant to be 2 months total rent, which would make the total I was supposed to owe £800 Or is the 2 month figure false altogether? If the 2 month figure is correct, then I do not owe enough for this action surely? If it is only supposed to be the topup I pay that counts for this, then the housing benefit owed should be taken off the total they are saying I owe, so it would be £160, not the £200 it would be of it was 8 weeks behind.. I suspect by the time I appear in court, there won't actually be any arrears at all, or they will be extremely low (people I have spoke to say that these are already extremely low at £160, but I mean low as in under 100). Or if I have had my tribunal and have had the backdated PIP then I will actually be way in credit on my rent account. Will any of this make a difference? And what actually are the chances of a judge evicting us? I hope this message makes sense, I am a little emotional right now.
  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 12 months. I know I should have waited and paid the last month but didn't check fully. Subsequently, I have received the Harlands letters like many on this forum. What are my options? Should I offer the final payment while stating I refuse to pay any admin or cancellation fees? Thanks,
  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 not sleep, though poppies grow In Flanders fields. Composed by Lt Col John McCrae at the battlefront on 3 May 1915 During the Second Battle of Ypres, Belgium
  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 paid a bucketload of tax over the last 25 years and something called 'National Insurance' to 'insure' me against being in a situation like this. But now I'm in need for the first time in about a decade I'm whole outta luck apparently!!! I've suffered with anxiety and depression my whole life but realised that life is better if I connect with other people through work rather than give in to my malaise - even if sometimes that work has been beneath me just to keep self-respect. Anything is better than just locking myself away in a darkened room and spending more hours on a computer than a full-time job would be sat alone at a computer trying to convince the JCP "I'm really sick, I can't even work at a computer, I need ESA", etc, all that bad-back . But I'm tempted to claim if ESA pays faster than the 7 weeks I've been quoted for UC. I only need what's my right having paid in, and only need it for a month to tide me over. Any ideas how best way to go? I'm going to hand in my week's notice tomorrow morning either way.
  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 said you need to pay it back now to get under your overdraft limit. I couldn't afford this, I was only just breaking even at the end of every month anyway. I am now finally in a place financially where I can actually start paying something back. However, I am unsure as to how to go about this. I have already had debt collectors (Robinson Way) trying to contact me. This was about 2 years ago. Can anyone advise me on what to do? What about the fee's of approx. 140 a month will I need to pay all this back? This has been troubling me for a long time and I want it sorted as I really want to try getting my credit record in order to enable me to get a mortgage. Any help would be greatly appreciated.
  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 of September) Now i found this quite unbelievable, as ive said ive been in this line of work for 17 years and never had any complaints about my work. and have several references to back this up. To me it stinks of a set up as the last 3 month have been the busiest in the companys year and i was taken on to cover these months with no intention of the role becoming permanent at the end of the 3 months. I have proof that in my 3 months with the company things on the IT side have improved considerably. Im just looking for any advice or recomendations on what my best course of action would be, i have already spoken to ACAS and the told me that i cannot take my former employers to tribunal as i was only there 3 months. Any advice would be greatly appreciated.
  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 access to the account, she learned her uncle was paying out the hefty monthly sum on TV channels.
  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 before the tenancy end date) I was contacted by the letting agent to re sign a new agreement which would run from 1st October 2017 for a further 12 months, with a 6 month break clause, so this is still a month away from actually commencing. The tenancy is still in the names of both myself and my girlfriend at the time (with myself listed as the lead tenant). Since signing the tenancy agreement on the 12th June 2017 I have had a change in circumstances, in that myself and my girlfriend are no longer together (this happened in the last week). As such I am now in a rather dire situation where I face having to pay a minimum of another 7 months worth of rent (£1200 per month) which on my own I simply cannot afford to do, I don't earn enough on my own to cover the cost of this and council tax/other bills etc. I was wondering if anyone would be able to advise me where I stand legally with regards to now cancelling the tenancy agreement due to start on the 1st October 2017. From what I understand this is only possible with the landlords consent and I would be liable for any costs incurred to re let the property, however as I am the current tenant, at the end of the current agreement I only needed to give 30 days notice, so would this apply? I wanted to know what (if anything) I can do to cancel the AST from the 1st October. Any advice or help would be greatly appreciated. Thanks Jamie
  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 them on the Phone number on the letter. i called them and they simply told me i have to contact the court direct that the Hearing took place. The next problem is i cant find any contact details on the internet for the Court which is the West Hertfordshire Magistrates Court. Any advice of what i can do to sort this issue would be great help i am now really stuck and really don't want to pay a fine for some thing i should have never been given in the first place. Thanks
  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 failed the M.O.T was renewed in March 2017 1 week before the old M.O.T was due to expire and the insurance has just been renewed a few days ago. I dont know who to contact to sort this out as all the phone numbers seem to be automated and im now worried about being finned for a mistake that is clearly the DVLA's fault. Any advice please? Thanks
  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 membership should start on 1st February and last to 31st July, if I gave notice by the end of June. However when I gave notice I received an email saying that my contract start date was the 2nd of February and 'As per our terms and conditions the minimum term of all Monthly Memberships starts as of the 1st day of the first full calendar month. For example: Your membership starts on 2nd February 2016, the minimum term would begin as of 1st March 2016'. When I looked at my contract I did find the start date had been captured as 2nd February, despite having email communication to confirm I was able to use the gym from 28th Jan. To me this is a total [problem] to increase the membership period, but clearly I have signed a contract and not noticed the start date. Gymbox have now referred this to ARC, who require £112 (the £77 monthly charge plus their admin). I have sent them the initial emails confirming I was joining on a January offer and that I was able to use the gym prior to Feb 2nd, however they have just sent me a copy of my contract and threatened me with court. I understand from reading other threads that they have no power to do this and I'm happy to ignore them, but I really don't want to negatively effect my credit rating. This also seems incredibly unfair and underhand of Gymbox, but are they legally in the right? Thanks in advance for any advice you can give me on how I should handle this situation.
  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 legal obligation to pay???? This has also gone the same as receiving nothing for the first 14 months of our separation.. No wonder my ex first agreed to direct payment and then worked the system, its the children i feel sorry for not myself.. Any advise would be appreciated as to what i can do Hadituptohere
  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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