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    • I don't think the out of time statutory declaration creates any liability. It is just stating that the liable party at the time of contravention may no longer exist or is open to debate, whether the director stated on the vehicle registration is still the liable party. The OOTSD could also state that the dissolved company has zero assets remaining.   Transport for London according to the first post in thread asked for the OOTSD. So obviously they won't call off Marstons and Marstons will just continue trying to collect. So if the OOTSD is not completed, then I cannot see how this matter will be resolved.    
    • If you don’t want to discontinue before they pay, and they won’t pay before you discontinue: Just let the claim continue for now. You can suggest a Tomlin order (“Consent Order”), drafted at their cost, as a later way to resolve that impasse - that may make them see sense.
    • Hi Taximan   I will respond to this tomorrow at a better time - Ill have a further response for you.    
    • A few years ago I had a lot of cheque cashing loans rolled over with the Money Shop.   I only found out very recently that these are still classed as pay day loans and are therefore claimable for irresponsible lending.   I sent them the SAR which I recieved, and then the complaint.   After a bit of padding out they have sent me their 'final response', which is copied below.   Could someone please advise me how I should proceed. Many thanks   Thank you for taking the time in bringing your complaint to my attention on 04 Apr 2019 and for giving me the chance to put things right. I have now finished my investigation.   complaint Please read this part carefully as I will explain how I understand your complaint.   This is important in how I have reached my decision: We received your complaint via email on 04/04/2019. You believe that the loans were mis-sold to you by Your us. You claimed that the loan payments which you paid to us left you with too little money and that the loans were unaffordable. You claimed that you not afford these loans and after making the repayments to us, you had to borrow again to get through the next month. You claimed that we should have realised from the number of times you borrowed that your debt problems were getting worse and it was not responsible to continue to lend to you. Your lending took place between 10/03/2008 and 28/12/2012.   My Decision: We handle complaints following rules set out by the Financial Conduct Authority (FCA).   One rule is that a customer must complain within 6 years of the problem. Another rule is that if more than 6 have passed, you must complain within 3 years of knowing you could complain about the problem.   I can see that all of the loans that you are complaining about are more than 6 years old. So for me to consider these loans, I need you to tell me why you didn’t complain about these loans until now.   Next Steps: I appreciate that this may not be the response you may have been hoping for but I hope you can see how and why I have come to my decision. If you are not satisfied, you may also ask for an independent review by the Financial Ombudsman Service.   You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter.   If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.   Please also see: www.financial- ombudsman.org.uk/publications/consumer-leaflet.htm A leaflet from the Financial Ombudsman Service, “Your Complaint and the Ombudsman” is available by post only; please contact us if you would like a copy to be sent to you.   If you have any queries, please do not hesitate to contact us either via telephone or email using the details below and quoting the Case Reference number above. Our telephone opening hours are from 9am to 5pm Monday to Friday. Yours faithfully,   Customer Relations Department T: 0800 280 2548 E: customerrelations@themoneyshop.co.uk The Money Shop is a trading name of Instant Cash Loans Limited. Instant Cash Loans Limited is a company registered in England and Wales, Company Number 2685515 Registered Address: 6 Bevis Marks, London EC3A 7BA Regulated by the Financial Conduct Authority in relation to credit-related activities. VAT Registration Number: 896 1022 16   *Please note that for training and security purposes, telephone calls may be recorded Letter Code - FRL  
    • Yep they are jokers.   But with a bit of stalking on linkedin and some digging i managed to find the emails of the key people who head up customer service. Needless to say i was taken care of very quickly.   Can the admin please make this a sticky for anyone else dealing with parcel2go?   n.schofield@parcel2go.com g.iveson@parcel2go.com Stephen.benson@parcel2go.com
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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siobhan1234

Giving up smoking - Bioresonance

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Hi

Good luck to everyone trying to quit. I gave up over a year ago using bioresonance and recommend it to anyone I know who wants to give up smoking. I have absolutely zilch willpower and could not believe how painless it was. No cravings, just straight off the ciggies. I can't even imagine myself smoking nowadays even after plenty of wine. :o

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Care to explain what it is and how it helped?

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And for balance - 'Who's holding the smoking gun on Bioresonance?', from Dr. Ben Goldacre's 'Bad Science' site.


  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Hi I also tried Bioresonance for stop smoking in Croydon, and i have to say i have not touched a cigarette since 2 years ago and have not even thought about smoking since, and i am currently using the same clinic for my allergies and eczema and it is proving equally successful. So I agree with Siobhan that Bioresonance is well worth a try.

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Well, I don't know how you guys did it but I found bioresonance to be totally ineffective.

 

I was told to stop smoking for 24 hours before the treatment I recall and so by the time I got to the centre I was gagging for a cig. The place was on Harley street and I must admit I was expecting something quite swish and professional considering I was paying something like £600 for an hour or so. I sat in a chair with some electrode things strapped around my wrists reading the newspaper for well over an hour. The guy assured me that this was even more effective as it was really making sure I was cleared of nicotine. After this hour he produced some pills that he had been "charged" with the same frequency that was used to remove the nicotine from my body.

 

Well, I hate to say it because I was sucked in by this "magic" treatment, but it didn't work at all. I came out feeling exactlly the same as when I went in. Maybe some people can trick themselves into believeing something works, pladebo effect etc. I however still felt terrible. I would most certainly not recomend you try this treatment. I'm affraid it's going to have to be willpower that stops you smoking.

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I had the treatment in Harley St after good friends had been there and we all stopped smoking.

 

Good treatment and great result!

 

We were not asked to stop smoking for 24 hours and it didnt cost £600, I think broomy is fake!

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Hi juliejamson,

There are many health benefits acquired when one stops smoking. If people stop smoking, the toxic gases in the blood will drop to normal, within two or three weeks, lung function increases and in a few months coughing and shortness of breathe decrease. In a year’s time major diseases can be avoided. Log on to: *REMOVED COMMERCIAL LINK* to get lots of information.

Edited by 42man
Commercial link removed

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Well, I don't know how you guys did it but I found bioresonance to be totally ineffective.

 

I was told to stop smoking for 24 hours before the treatment I recall and so by the time I got to the centre I was gagging for a cig. The place was on Harley street and I must admit I was expecting something quite swish and professional considering I was paying something like £600 for an hour or so. I sat in a chair with some electrode things strapped around my wrists reading the newspaper for well over an hour. The guy assured me that this was even more effective as it was really making sure I was cleared of nicotine. After this hour he produced some pills that he had been "charged" with the same frequency that was used to remove the nicotine from my body.

 

Well, I hate to say it because I was sucked in by this "magic" treatment, but it didn't work at all. I came out feeling exactlly the same as when I went in. Maybe some people can trick themselves into believeing something works, pladebo effect etc. I however still felt terrible. I would most certainly not recomend you try this treatment. I'm affraid it's going to have to be willpower that stops you smoking.

refund?

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HI,

Whatever kind of quit smoking approach or therapy you decide on, you should always seek professional advice from your doctor who will be able to prescribe for you the best medical treatment in accordance with your health conditions.

 

______________________________

 

[EDIT]

Edited by Rooster-UK
Commercial link removed.

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The best way to quit smoking is control your self from the reach of cigarette , second you can eat something everytime so you can not like to have smoke. Rest of the things you can work is like just control control and control there is not any medicin in the world who can help you to quit smoking

 

 

 

[EDIT]

Edited by Rooster-UK
Commercial link removed

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There is a Bioresonance clinic that have branches in London and Manchester. They are charging £200 at the moment, if anyone interested.

 

I looked at it but am not convinced it would work for me. I gave up previously for 2 years then stupidly started again during a very stressful time.

 

I'm going to try the nicotine gum route again as it worked last time - I know I'll end up addicted to the gum but at least its better for me than smoking! I'm allergic to patches and with gum find the chewing replaces the smoking so I don't end up eating loads of rubbish!

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Tried it one year ago, cost £190 saved so far £1700, feel great. Had my therapy near to Walsall took 1 hour, no coffee for 2 days prior (painfull) besides that alls good. Next the beer gets it!!

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Ive learned a little about this therapy in my time prior to my session. One reason that yours may not have worked is you stopped smoking 24 hrs before. The therapy is directed at the nicotein in your body, & it doesnt stay around for long, and if it cant be found then its not gona work. Without exception you are supposed to CONTINUE smoking or even increase it, this is why Bio-Res works better on a 40 a day & not a 2 a day smoker. The word REFUND springs to mind for some reason. Best of luck with that, should have done your homework.

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Hi

I tried 2 months ago in Manchester that bioresonance therapy it cost me only 85 quid, and I'm still not smoking :)))) I don't know about the others why so expensive but this one it worked for me.

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Hi

I tried 2 months ago in Manchester that bioresonance therapy it cost me only 85 quid, and I'm still not smoking :)))) I don't know about the others why so expensive but this one it worked for me.

 

Hi, Could you let me know, where in manchester? Does enybody know where I could find bioresonance therapy in yorkshire?

 

Thanks:)

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The best way to quit smoking is control your self from the reach of cigarette , second you can eat something everytime so you can not like to have smoke. Rest of the things you can work is like just control control and control there is not any medicin in the world who can help you to quit smoking

 

 

Or dont do as he says because you'll be like me.

 

You may be ciggie free, but you MAY gain 3 stones in weight which is being a pain to lose.

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Stumbled across this thread and forum by chance and just had to register to put up a post.

Whatever nonsensical mumbo jumbo is entailed with Bioresonance, I have to say it worked for me. At the time, I didn't even feel all that driven to stop, just happened to chance upon an offer on Groupon (or similar) and thought I'd give it a try.

 

Well, I don't know how you guys did it but I found bioresonance to be totally ineffective. I was told to stop smoking for 24 hours before the treatment I recall and so by the time I got to the centre I was gagging for a cig. .

 

Like HGV driver and others, I too wasn't told to abstain form nicotine before the treatment, though do remember having no caffeine and alcohol in the few days lead up. Also, even full price it wouldn't have cost £600.

 

I often wonder if the treatment gets such a royal panning because none of the big drug companies benefit...

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I have to agree with agai...not so much with the trendy comment but as a product they can be effective. I say 'can' be because everyone is different and what works for one person might not for another. I myself have had a great experience with electronic cigarettes and anyone looking to quit I would defiantly recommend giving them a try. That being said I had never heard of Bioresonance before and if it works I think it’s a great way to quit. I suppose the best piece of advice I can give anyone is just be strong willed and actually have the frame of mind that you want to quit - it’s not something you can do half heartily.

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