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  1. Hello Last year, me and my girlfriend joined an X4L gym on a monthly contract basis. We paid the first month on the spot when joining (28th Oct) and shortly after had a bad experience. I went online and saw how bad this place is and we decided to cancel. I wrote down all the things I had to do and when, hoping to avoid this. I sent the cancellation request on 9th Nov online as instructed, saved the 'receipt' and also have the confirmation email that came through a few days later. I allowed the final payment to come out on the 27th Nov and then cancelled the DD on the 28th Nov. T
  2. Hi all, Hopefully someone can help/advise. My other half has a couple of debts (mail order) on his Credit ref file which total £2.7k they are causing an issue on his file due to the amount (apparently), he has been paying them back at reduced interest free amounts for 4 years now and seems to be getting nowhere as the repayments are £13 and £20 per month. Is it worth making an offer for them to write off the debts if we were able to pay a certain amount? Is this do'able? and are they likely to accept at all? My family have offered to lend me some money to do so
  3. Hi all, after 3 attempts, GE Money have FINALLY sent me a working SAR. First disc wouldnt recognise the password, second disc was completely blank! Anyway, Ive spent most of the morning going through this stuff and it doesnt look like they hit me for any insurances. But going right back to the beginning of the mortgage there is a list of charges that Im not sure about so could anyone advise if any of these might be reclaimable? Purple Loans Arrangement Fee £352.00 Lenders Legal Fee £170.38 First National Completion Fee £100.00 Insurance Fee £25 ( for processing documents relatin
  4. Hello, I had taken a number of payday loans in the past, in particular the period of 2014-2015. Most of them are settled or just ignored, but there are a couple that keeps getting chased. One is for Cheque Centre which has been bought up by Lantern (Formerly motormile) and the other is The MoneyShop who I'm now getting chased by BWLEgal on behalf of PRAC Financial Limited. Now, so far I've just ignored them, get standard threat emails etc. Heard nothing regarding the moneyshop one for months until now. However, is it worth making a complaint and the proceeding to FOS for ireespo
  5. Parked in a slip road that's in foreground of pic, one way running right to left. Left slip road and turned right onto main road. Only signs are left and right of slip road exit. CCTV shows me turning right with long shot, then close-up showing vehicle reg. On reflection, I can only say I was watching out for other cars in this very busy area and honestly did not see the No Right Turn signs. There was no signage on the road surface, opposite in the form of signs or any physical obstruction. Can anyone say if the road signs give good cause to appeal due to height, etc.
  6. Hello, I would really appreciate if someone could give me some feedback as to whether to appeal the PCN. Yesterday I parked down a road with a school on, outside housing which is very busy with cars. I parked on a high kerb between two driveways which my car did not over hang onto either of the driveways and i was not obstructing pedestrians or either houses. My car is slightly over onto the dropped kerb, we are talking cm. I have attached photo's for reference, if someone could please let me know what they thi, I would be very grateful. This should be it, thanks. Car PDF.pdf
  7. Hello. I have some debts with 1st Credit, Westcot, Frederickson, BLS to name a few whom (and switched hands between companies), from my Student days. 1st Credit is near 1.6k, the others are around £400 each. I currently pay back via the Citizens Advice agreements each month. Pretty much it's going to take 14 years to pay off 1st Credit for example. They all often send me offers/reductions on the debt if I pay today, or pay XX amount, Westcot notably just started doing this today for a £400 debt. Would I be wise in potentially sending requests through
  8. HELLO PLEASE HELP, I have a car insurance with XS direct, during summer mid-July I was involved in an accident. the other party claim against my insurance the cost to repair their car over £5000. it was a really minor incident. I don't understand the huge cost. Unfortunately, at the time I have taken my insurance I didn't really understand what excess was and meant. so I sign up for a car insurance with £3000 excess because the premium was cheap. BIG MISTAKE. NOW, my insurance is claiming that I pay them the £3000 excess to compensate for the repair. I drive a BMW X3 54' Plate curr
  9. Tried to do IR lending compaint with Quick Quid. They said No as loans are over 6 years old. Its not much but its a lot to me right now. Also I didnt pay back one of the loans but it has been sold on, to PRA Group I think .... Should I bother sending to Ombudsman? Or write this one off? Have included the statement Thank you all. QQredact.pdf
  10. 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 e
  11. Well it is that time of year again when Car Boots kick off. Just found this story. Diamond ring bought for £10 at car boot sale turned out to be worth £350,000 Read more: http://metro.co.uk/2017/05/22/diamond-ring-bought-for-10-at-car-boot-sale-turned-out-to-be-worth-350000-6651215/#ixzz4hmYG7BAm What is the article that you found at a car boot that you were delighted with or disappointed with. Maybe you bought something that fell to pieces or a bargain that you want to gloat about. Well you have to release the pleasure or displeasure. Yesterday I bought this Bikini Vase for 5
  12. Advice needed - I had been paying an old debt (around £2000) which originated from an overdraft at Nationwide through Fredricksons at £30 per month, and it got down to around £1255. Then for some unknown reason Nationwide moved the debt to ARC (Europe). Just had my first contact with them on the phone, and asked them if they would be interested in a low settlement offer instead of starting up the low payments again (I have the money as in good shape now) I suggested 10% which they laughed at, but they came back with a 50% settlement offer which they are going to put in writing. An
  13. Just a quick note to all BT Business Customers. BT in their wisdom decided to add an extra charge of £12.28 per month for 'Classified Paid Line Entry' without telling anyone since December 2014. I have spent most of the morning trying to sort out this with them and finally will be getting back nearly £100. Worth checking your bills to see if they have added this to your account.
  14. I was at a privately owned retail car park a few weeks ago in the evening and overstayed by 10 minutes . Firstly, I am not the registered keeper; it is my mother's car. She had sent me out for a Mcdonalds for her and we ended up having an argument over the phone. I stayed in the car park for a while before going home so we could both calm down. My mother has schizophrenia so she can be VERY difficult to deal with and very irrational and demanding, hence why I didn't want to go home. Result is, I overstayed in the car park by a whole 10 minutes and 14 seconds.
  15. Hi, I could really do with some advice here. I ordered £1300 worth of Israeli Shekels from Travelfx.com. Part of their service is to deliver by Royal Mail Special Delivery (1pm). I ordered for delivery on Thursday 1st September. Travelfx have issued all confirmations and a tracking number, and when I got home on 1st September, I had a card saying by item had been returned to the sorting office and I could collect the next morning. I went, and Royal Mail have LOST the parcel (the card I have been left means it's definitely been in their possession)! They have 5 days before
  16. Hi. Back in January of 2014 in readiness for my partner moving in as I was pregnant, I informed HMRC that he was moving in on a specific date in May 2014. And then on that date I wrote again to tell them he had actually moved in. I viewed this as a change of circumstances. Our single claims were shut down and a new joint claim was set up. In the meantime my baby was born, my son moved out and various other changes happened prompting a deluge of letters from the HMRC. Consequently I didn’t notice until it became time for the annual review of the 2016-2017 tax credits award tha
  17. Hi All, I have around 6 complaints with the FOS. 2 of which have already been looked at by an Adjudicator who rejected them both. When she did she told me that an Ombudsman will probably side with her? Is this right? I have complained to her Manager as I really felt that she was biased from the start. I have asked for an Ombudsman to look at them but now after what she said I am wandering if its worth it. Luckily my other 4 complaints are now being investigated by another adjudicator as I requested. Any help would be appreciated.
  18. Hello, can anyone guide me through the steps I would need to take in order to transfer ownership of property worth 100k to a family member whereby no money changes hands please? Is it simple to do without the need for Lawyers etc ? I have looked on the Land Registry website but there are lots of forms to download on there and I'm unsure of exactly which ones I would need. Are there other forms on top of Land Registry forms to fill in? Many Thanks
  19. Hello, Would be extremely grateful if I could get some feedback on the following please. Received 2 parking charge notices from Parking Eye back in November for non purchase of a parking ticket at a car park in Manchester. I appealed the charge for the following reasons. I believed I'd paid the charges online via 'Pay by Phone', however I'd actually paid for the wrong car park. 'Pay by phone' is a method I often use for the is car park when I have no change but the number which was stored on my app was for a SIP carpark (literally 100 metres further up the road)
  20. We're looking at buying a tumble dryer from Currys and have been offered a warranty extension for 5 years for £50. Has anyone done this and is it worth it?
  21. Contemplating the rain pouring down the windows I mentioned that I'd be soaked before I got half way to the supermarket, so Hubby volunteered to go on his own. This is not something he does as a rule, grocery shopping is one of the things that is usually done whilst he's at work or only under very close supervision. By the time I'd written a detailed list, explained why I wanted that particular brand or size and explained where everything is, I could have been there and back, have everything put away and be sat with my feet up and a nice coffee. When he did eventually return, he had
  22. In simple terms this is 1 of my 3 accounts, its literally used for a couple of direct debits that I want to keep separate. Having second thoughts considering I keep missing them. I had a direct debit come out this morning which I had forgotten about, checked my bank and it had been paid so I thought best transfer enough in so i'd not go overdrawn which I did. And being extremely cynical of banks I take screenshots of everything just incase. Interestingly I just checked back and that same direct debit has now been bounced and if you have a look at my screenshots fro
  23. Ive just been bombarded with inertia selling offers from Amazon - they must be desperate. £72 pa or £1.38pw Its not so much the money as the waste of time its going to expose me to. I already instinctively discount 99.9% Hollywood drivel (although fair play to HBO, they have produced some great stuff I looked through the available movies, and out of 650 I would only watch Sounds like the kind of video pollution I want to keep out of my life, like most of the rubbish on live TV I am appalled at the effect this must have on young minds:mad2:
  24. Pretty straightforward really My husband and I recently tried to rent a new property but the credit check came back negatively (we weren't expecting this). On checking credit report husband has been given a CCJ through the Northampton bulk processing business centre, the court documents were sent to his previous address 18 months ago. We have evidence that he didn't live in the property at the time. The debt is only tiny, (around £450) and had we known about the judgement at the time we could have paid in full and avoided the CCJ being added to the credit report.
  25. http://www.huffingtonpost.co.uk/2015/10/01/russian-embassy-_n_8225676.html?utm_hp_ref=uk
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