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    • get some CCA request s running tomorrow. without enforceable paperwork no-one is going near a courtroom door. wait and see what toilet paper each one returns with. they have 12+2 days else one of your options is too cease payment until they do.    
    • Hi  I wonder if anyone can assist. We purchased a proform treadmill from Sweatband.com approximately 3 months ago. It is a fairly large treadmill and we purchased with the intention of putting into our garage which has electrical wiring and my partner has a turbo trainer already in there (has been for years). Only when the treadmill got delivered did it the warranty documents advise against keeping it in the garage. No where on the website for Sweatband or the manufacturer's website does it recommend the treadmill is not kept in the garage. The sweatband website has a treadmill buyer's guide where it actually comments that people like to put treadmills in the garage but consider the head height. So it is only after you have purchased and taken delivery of the treadmill are you advised not to keep it in the garage.    We took delivery and set it up on a proper gym mat. We make sure to turn it off when not in use and to cover the treadmill when not in use. It has been working fine. I used on Friday night and then on Saturday morning when I went to switch on the electrics have stopped.    Sweatband are now redirecting us to the manufacturer who are saying we have the item in an unsuitable environment and this will void our warranty.  The item is so big we cannot physically lift it out of the garage and we do not have a room in the house big enough to store it.    Has anyone had any similar problems with treadmills in the garage and it affecting the warranty? We feel we have been mis-sold a product as it is only after you have taken delivery are you told you cannot store in the garage despite the seller's guide making reference to where to store your treadmill and making reference to the garage but failing to warn it is against advice to store it there. We would have never bought the treadmill if we knew it was unsuitable for the garage.    Also we made the transaction via paypal but using our credit card. Do we have any protection with our credit card or paypal? The cost was £1,500 so we do feel it should last longer than 3 months.   Any help or advice would be much appreciated.   Thanks  EM0149 
    • they weren't enforcement officer, they were a powerless DCA.   the point of only getting 2 days to raise £1500 (not £1800 the £300 repo fee is an unlawful penalty) is one we shall use. BUT!!!....... you can't call the kettle back , you've had more then 12mts to sort this out, you haven't, so the other points are pretty much irrelevant, it works both ways .   your reply has got to be very very carefully worded in most certainly wont be tonight nor tomorrow you should answer poss by friday, you rush back with a poor reply you play right into their games. don't!!  
    • https://tinyurl.com/y484rmfk   A  Secure tenancy is Assured by 1988 Housing act   A Protected tenancy is Regulated by 1977 Rent act which is yours   Both have Grounds for possession order.   The grounds you have quoted are from 1977 Rent act, schedule 15, section 98 which are discretionary   If the LL has issued the correct "Notice to Quit" you need to show it to Shelter, CAB, Solicitor, local law centre checking to see if its correct notice or not.   Read on https://tinyurl.com/y3cdaq8s   Can you upload a copy of the NTQ in adobe pdf form to CAG with personal details Blank out    
    • LOL   Four years after he kicked off the Trump presidency by lying angrily about the size of the inauguration crowd, the former press secretary Sean Spicer has applied to join the White House press corps.   The former Republican party official now hosts a show, Spicer & Co, on the hard-right and conspiracy theory-tinged Newsmax network.   https://www.theguardian.com/us-news/2021/jan/19/sean-spicer-trump-white-house-press-corps
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Have Payday Loan of £500 - Now cant pay - what now? advices please


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Have £500 of payday loans due on 30 Dec. They hold several cheques totalling £500(or have passed them on to a third party or Head Office).

 

Due to change in employment Cannot continue with them or afford to pay them the £60 to roll over for another month. - at whatever interest rate it is!!

 

Will they bank the cheques they hold ( then my bank will bounce them or pay them as guaranteed by cheque card ) - what alternatives are there?

What do you think they will do or offer. any ideas?

 

anyone know? your advices much appreciated.

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Have payday loan of £500 due next week at ....% interest!(too high to mention - but needed funds at the time) - now circumstances have changed.

 

Will they still bank the 4 cheques totalling £500 which they hold with my cheque guarantee details on back - or how do they deal with people who dont pay.

 

Any advices would be appreciated - just need to be prepared on how to deal with them and my bank.

 

Many thanks and

 

Happy Christmas:)

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Hi Pathway and Happy Christmas to you too :)

 

There is a thread here that may give you some ideas :-

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/172652-payday-loans.html

 

My first thoughts are that you should write to them, not phone them and explain the sitiuation. I think that you should also cancel any cheque's that are still outstanding so you don't incur any bank charges at least.

 

Lex

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hey anyone know how these guys deal with things?

 

I cant cancel the cheques because they have written cheque guarantee card details on back?

 

Any advices greatly appreciated!

 

Got to deal with it by Monday !

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Hi

 

I think you can carry these loans forward if you pay the interest before your due date. As mentioned above it would be good to speak with them since they may be able to help. Do not just do nothing since you will then have bank charges for the bounced cheques and Payday Loans will also charge you for the same, plus they may re-present them and you will then get done x2.

 

It is tough but you must call them and come to an arrangement.

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Hi Pathway,

 

Even with your card details on the cheques you can still 'stop' them by phoning the bank with the cheque numbers.

 

I would adivse that you contact them by email as it is getting close to time.

 

Lex

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I had a similar experience once and tried to stop the cheques, but because they were guaranteed the bank still tried to cash them Usually you can replace the cheques with fresh cheques dated for a month later for a fee. This is how I got into the vicious circle of payday loans - get out as soon as you can!! My cheques bounced and got sent to a DCA, which I then paid off monthly.

Debt Managers (Barclaycard) £7150 - CCA sent - poor photcopy of app form - they rtnd acct to BC. Then Robinson Way come on scene - sent packing straight away. Will they try a third attempt????? :) Yes they did, roll on Westcot, told them were to stuff it. Not heard anything since but Lowell Financial have been searching my credit file. Round 4, ding a ling ling!!:D Now Crapquest on the scene - bought the debt and want the balance... don't think so 8)

 

Equidebt (Co-Operative Visa) £6800 - CCA sent in June - no response still!! Was Ex-Northern Rock card so probably lost. Equidebt have now agreed to write off and remove credit ref listing completely!!! :lol:

 

 

Robinson Way (Abbey) - debt sold to RW £1840 - await letter from them....cant CCA as bank account.... agreed to settle for £368 :-D

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Sorry it's taken so long to get an answer on this one. I don't actually know, but bumping you up should get a reply from someone else soon.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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best advice i can give is speak to them and explain the situation

tell them to hold the account for another month and you will send a cheque to cover a months interest.

they should be ok on this being these payday people are money hungry.

do it first thing in the morning, but do speak to them,

ask them not to bank your cheques as they will be returned.

 

update your thread on there reply as the last thing you need are charges for returned cheques.

 

if they dont play ball, we will see on getting the cheques stopped to avoid charges, you will need more advice on that one as stopping cheques is a gray area for which a valid reason is needed as they are a promis to pay notes

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