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    • Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4
    • As long as we are clear . Do the reading and post your letter of claim in draft form as requested and we can go from there.    
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Small Girl v Big Bad:Fitness First


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I did everything wrong here, I didn't read the contract properly, and now I am a bit stuck.

 

I decided to join the gym in January, as a lot of people do, and they had an offer on that I thought was right for me at that time. I asked before joining what would happen if I moved away, as I had applied to 2 colleges outside of the area but at that time did not know about the potential success of these applications. I was cheerfully informed that should I move and there be no gym within a certain radius of my new address then I would be free to cancel. When I went to register, I started reading through but was made to feel i was just being awkward so I just skimmed and signed.

 

Since then, I got into college (yey!) but I also hurt my knee. This knee injury has been treated by the doctor and I have undergone physiotherapy. I didn't cancel at first as I had hoped to recover enough in time to once again use the membership, however a couple of months later during which time I have been on crutches, unable to leave my flat at times and off work I realised that wouldn't be possible. I rang the club and at first got the standard response, that I signed a 12 month contract blah blah blah, I then explained that I was unfit to use the gym and that I would be moving before I would be able to again. On hearing this I was given the number for memberships, who have told me a different story. This time, I can pay half the membership to the end of the term when I move away, and must provide a doctors note for my gym membership to be cancelled. I see my doctor if I'm poorly, not because the gym wants to play silly buggers so I wrote them a letter, again stating that I was unfit to use the facilities, including the diagnosis and stating that the direct debit would be cancelled.

 

No reply to my initial letter, they still tried to take the direct debit and then I got a standard lettter requesting immediate payment of fees. I rang them up, tried to explain the situation and now the story is that they want proof that I am moving, they still want a doctors letter and they are only willing to freeze the nmembership until I am once again fit to use the club. I asked for a copy of the terms and conditions and was curtly told i would either have to go to the club to pick them up or pay £20! I curtly repield that I would then request a £20 fee for my doctors note and did he want me to hop to the club!?! On ringing the club I am being sent a copy of T and C's but I'm a little at a loss as to what I should do next.

 

I think I have grounds for being mis sold the product, although no proof that I was told I could cancel when moving. I also wondered if there was any advice on the injury. Is it bad that I should worry that I can now walk a short way and have tried to start working again?!? Personnaly given the choice between crippling myself (if i mess it up again I could cause major long term damage, I'm 25, I dont want to do that) and getting a default on my credit file for 6 years, I know what I would do.

 

Also might be worth mentioning, that I called the club when my injury occured and asked if they had a physio who I could use at the gym, they said that they would look into it and didn't get back to me, an nhs appointment came up so I didn't bother trying again.

 

Advice greatly appreciated.

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T and C's still not arrived, what do I do, have I got any recourse? I had hoped that when I read through them I would see what I was actually tackling. Please has anyone got some sound advice for me?

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I would give the Citizens Advice Bureau and maybe even Trading Standards a call and see what they advise. It does seem like FF are being unreasonable. If you speak to FF it might help to mention you've contacted the CAB and TS - it seems to make them realise you won't be bullied.

 

Do you recall if in the contract you signed it said that they own you for the duration of the contract? :)

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