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    • Hi, I have a long going issue with  Welcome finance now taken over by Coast Finance Solutions on 23/05/18. FSCS have on their website failed firms and Welcome Finance being one of them. They failed in 2/03/2011. I phoned FSCS what happens when a company fails/cease trading and stops altogether. They said everyone stops and leaves.   No one is in the office, no work takes place. Yet I don't know who has been ghostly charging me £254.64 every month from 3/12/13 to 12/6/18 PPI payment almost cleared the debt in 2018.  I am confused. Please help.
    • Hello,    I'm looking for some advice regarding my david lloyd membership,  I was a linked member to my now ex-partner's member unfortunately over the last lockdown our relationship broke down and we've gone our separate ways. To put it mildly we're not on friendly terms, he goes to the gym with his close friends and it would be a pretty hostile environment to be around.    He sent me a brief message just over a month ago to say that I was no longer a member and basically i'm not allowed to return once they'd re-opened. I'd left it at that and rejoined a new gym.    Anyway, i've now received an email staying I have unpaid fees and need to make a payment and they've set me up as stand alone member - i've tried to speak to someone but apparently have to wait 3-5 days and i'm assuming they're now going to make me do the three months cancellation fee.    I can't afford to pay three months worth of membership for a gym i'm not going to go to. From reading some of the other conversations it looks like DL can be pretty brutal and not really have any empathy and i'll soon get a letter from a debt agency if i don't comply. What would be the best way forward? I'd rather offer a resolution then ignore and worry for a few months.     
    • Its a common wheeze to put a no parking outside opening hours on KFC and other places like cinema complexws with fast food outlets, The original planning permission doesn't permit such stuff quite often,
    • Good afternoon.   I am a member of Anytime Fitness on a rolling-monthly contract.   In March 2021, my home gym (Aldgate) sent an e-mail asking members to continue paying, freeze, or cancel their membership. If you didn't reply they would automatically keep taking payments.   Me (being naive and stupid), didn't reply to their email. My £40 a month D/D payments continued. These would be reduced to 50% once gyms opened again. I paid 100% (£40) Apr, May, Jun, Jul, and 50% (£20) in Aug, Sep, Oct.   I DID attend the gym July - October, so I am owed 3 'half-months' and around a week (from July) of payments from Aldgate.   My home gym then switched to Lewisham in November by default as I had visited that gym more. Lewisham charged me the 50% for Nov, Dec, Jan, Feb, Mar, and this went back up to 100% (£40) in April.   Again I DID attend Lewisham in Nov and Dec outside of restrictions. I have also attended the gym this month. Therefore I have overpaid them by at least a month, plus the latter part of December. It gets even more confusing as their basic membership fee is £24.95.   Aldgate will not refund me, nor will they transfer what I essentially overpaid to Lewisham, despite the gym being one-brand it is ran by a different franchisee. Lewisham are not so quick at replying to e-mails. They said I can talk to their management when I next visit, but I want to keep everything written (even if it is electronically) for now. I am however going in there tomorrow to give them a piece of my mind.    Anytime Fitness don't have a central 'complaints/info' e-mail, they essentially just push you off to the individual clubs.   Should I just try claiming a refund though my bank? All payments are made to a company called Clubwise, which I am told is a membership payment system that all ATF gyms use.   Many thanks.  
    • Hi all,   I'll try and summarise this mess briefly.   I have approximately £45,000 in credit card debt from the UK. I moved abroad a number of years ago (outside of EU). Up until now I was making minimum repayments, and had never missed a payment. It's got to a point where I can no longer continue making the payments, and I never told them of my address change (the address listed is my last UK address, which is my parent's home). I was basically using one of the cards with money available to pay off the other minimum payments using Revolut, and now of course i've run out of money. I have no spare money available, nor anyone that can help, so I believe my only choice of action is to stop paying. My CC accounts are with Lloyds Group, Tesco & HSBC.   From asking a different forum, my understanding is that if I do not intend to make payments I should cancel the direct debits first of all, then eventually all the accounts will default. I also was recommended to send letters with proof of postage to the creditors regarding my address change so they don't hound my parents, and have my correct contact info. I managed to find the address to use for Lloyds & Tesco, but I cannot find a postal address for HSBC anywhere. Is anyone able to help me with that please?   To answer some questions, I don't plan to return to the UK anytime soon. I don't have any assets in the UK, my bank account that had the direct debits is not connected to the creditors, does not have an overdraft, and the only money that was in there was to cover the payments. Also, I've been out of the country longer than the amount of time bankruptcy would be an option. I'm not particularly proud of what i'm doing, but feel like the only option is to have a fresh start from the worry of my UK debts.   Does anyone have any advice, or suggestions on my plan, and if i've missed anything? When the phone calls/letters/emails start should I respond/respond in a particular way/ignore? I guess at this stage without missed payments, this month will be the 1st time anything is noted, so i'm not sure when the messages will start.   Thanks for your time.
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can you claim all your unfair charges, even if you owe the bank/credit card money??


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It will only have cost the company a tenner to get your details, and the spreadsheet wouldn't have taken a great deal of time either if someone used to excel was knocking up the spreadsheet.

 

Just a thought, are the company properly registered to do claims? If not, they shouldn't be doing them, so I don't think you should have any problem getting out of the contract.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hi caro

EDIT

 

i did tell them my situation about being in debt with all these credit cards and bank when i first started dealing with them.

 

the lady asked me last night if i wish to continue with citi, they have already sent them a few letters, now they are about to take them to court. i did tell her yes, but im sure i could change my mind if i tell her, there wont be enough money to pay them if citi keeps the money to pay towards the debt.

 

i requested a copy of my signed agreement from citi back in aprill,the debt collectors acting on behalf of them write to me every once or twice a month, to tell me they are in the process of getting the copy still.

 

she said the court papers she needs me to sign are in the post,

 

michelle xx

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Well if they haven't got the copy by now....

 

This isn't my area of expertise, but I'm getting in touch with someone who can help you better than me.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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If you have the time and inclination to deal with your creditors on your own accord then do it! You have all the help you will ever need within this very forum. I've only had a brief read through your thread, I'll endeavour to give it a more detailed look this evening. Correct me if I'm wrong but are you looking to reclaim your charges from your creditors and use a CCA request against them too?

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hi sequenci, thanks for replying,

 

i had a credit card with citi financtial a few years ago,

im no longer with them,

back in aprill this year i requested a copy of my signed credit agreement,

from the debt collectors the debt was passed on to,

the debt collectors (hillesden securties) write to me,every once or twice a month to explain they are still in the process of getting it from citi financial, and as soon as they recieve it they will pass it on to me.

 

i was gonna get a company to reclaim back my unfair charges from this credit card, the company are at the stage where they are sending me court papers to sign. but there fee is 25%, im not sure i will have enough to pay them, if citi use the money to pay of the debt.

 

michelle xx

 

the company has just got my money owed to me from capital one which capital one used to pay of a debt i had with them (all of which was made up of unfair charges, that was also about to go to court.

 

capital one was another credit card debt i had that couldent produse a copy of my signed credit agreement,instead the debt collectors who i thought at the time had bought the debt of capital one, sent me a copy of my application form.

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i would like that. but i do find the whole going to court thing nerve racking,

im such a shy person lol, it is true though!

will i be able to take of where the reclaim compay as left off?

i would ent have a clue where to start! xx

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Mich the instructions are step by step on this website it is so easy once you get started - BE WARNED - it is very addictive. If you get stuck anywhere along the way there are loads of people who will be more than willing to assist.:)

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Mich the instructions are step by step on this website it is so easy once you get started - BE WARNED - it is very addictive. If you get stuck anywhere along the way there are loads of people who will be more than willing to assist.:)

 

 

thanks linz

i hope the company will let me pull out they should do,

they have just made 173 pounds of me with ca[ital one.

 

im gonna tell them, if they use the same tactics as capital one did and use it to pay of my debt, there wont be anough money to pay them.

 

michelle xx

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If the debts are unenforceable, there will be no need to claim and the company you use won't get a penny. I really don't think they are trying to do you any favours claiming back charges, although not all cases are the same.

 

I'm sure sequenci and others here on CAG will help you through.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks linz

i hope the company will let me pull out they should do,

they have just made 173 pounds of me with ca[ital one.

 

im gonna tell them, if they use the same tactics as capital one did and use it to pay of my debt, there wont be anough money to pay them.

 

michelle xx

 

Hi,

 

If they have ever tried to claim back from Citi they will be glad to let you out of the deal you have with them. :o Citi's solicitors play hard ball and will not take any notice of any CCA requests etc. What is it you are hoping to acheive with a CCA request?

I would suggest that you tell them that you no longer require their services and when you ahve your paperwork back from them start a thread in the Citi forum so we can help you with your claim. It may well be that you will not actually get anything in your hand, but you will get your debt reduced, or paid in full whatever the figures work out at.

Consumer Health Forums - where you can discuss any health or relationship matters.

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hi gizmo, i requested a copy of my credit agreement back in april, when i had debt collectors threatening to come to my house and take goods ect, i do have a thread going about my problem with debt collectors,and alot of kind people are giving me support.it was on that thread i was adviced to request my credit agreement.

it was before i had discovered this web site, that i got in touch with this company who trys to get back your unfair charges, to be honest at that point when i contacted the company,i would never of had a clue on what to do if i was going to do it myself.

michelle xx

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Hi Mich,

why are the company not requesting payment to yourself?

I thought the idea of these companies, was they took their cut from the refund you get, not you having to find money to employ them:eek:.

If it is the case that refunds have to be placed against the debt, even more reason for you to do it yourself. (I think you have realised this:) )

You can do this on your own Mich, with the help and advice here, and IF any claim gets to court, you can get a Buddy:) .

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi Mich.

 

You've got some top notch support on your thread (i'm not including myself in that) who would be able to get you through any battle.

 

However, if you still feel nervous, don't forget there's the Financial Ombudsman Service too. They dealt with my Abbey claim and i've just sent off details for Egg Card charges. Like you, i'm apprehensive about court, but also, i have so much going on at the moment, i don't think i could focus on it all properly.

 

Whatever happens, i really wouldn't pay for help. Good luck and congrats on clearing your cap 1 debt. It's a good feeling isn't it? Another 1 down..... ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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