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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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A bit stuck, unfair terms??????


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Hi, i'm struggling with this one.

I have a friend who booked a couple of weeks at a "boot camp" to help him to lose weight, he spoke on the phone prior to booking to explain that he was already on a very minimal diet, as recommended by his doctor, and exercised as much as was healthy, so he was concerned that he would put the weight straight back on, they said that they can't guarantee that but if he followed the diet and execise program then he should have no problem.

So he booked 2 weeks for consecutive months.

When he arrived for the first one, he and several others complained that the facilities where not as promised, it turned out that the company had only just bought the place and it was not up to scratch, very little by way of indoor facilities. Now baring in mind this was Janurary this year this was a major problem, anyway he arrived on Friday and they were only exercising outdoors, then the snow came on the monday so no more exercise was possible outside, after much complaining the "camp" was cancelled on the wednesday, they were offered either a £500.00 refund or another "camp" at a reduced rate, he chose another "camp" but insisted it was at another site. He then was told that he would have to pay £150.00 to "upgrade" to a luxury "camp", not really fair but not the main issue.

He attended and lost loads of weight, well pleased, until the next week when he'd put ALL the weight back on, he'd stuck to the diet, to the letter, he also kept to the exercise program( who wouldn't after spending over £2000.00).

Obviously concerned about this he e-mailed them and they said he should see a doctor as it was impossible to gain that much weight in 1 week if he had followed instructions. He saw a doctor who said that there was no way that what they had told him could work as it was the same diet and exercise program he was already following before he went to camp.

OK the main point of this is he them tried to cancel the next camp he had paid for, only to be told that he wouldn't get a penny back so might as well go on the camp.

Here is the T&C's regarding refunds,,,,,,,,

 

6. Cancellation and refunds

Should the Client wish to cancel cancellation charges will be imposed. These are calculated from the date written notification is received by BC at their Head Office and shall be calculated as a percentage of the total price and shall be based on the following.

Cancellation Charges

Number of days before arrival date that the written notification of cancellation is received:-

Amount payable

6 weeks or less: Total fee is due no refund.

Less than 12 weeks: 75% of the full cost will be due to BC

Less than 18 weeks: 50% of the full cost will be due to BC

There is a 30% handling fee of the full activity/course price if we receive notice of cancellation or reschedule/ transfer more than 21 days in advance of the scheduled activity/course date.

If you cancel or want to reschedule/ transfer 14 days or less in advance for any reason there are no refunds. There are no exceptions.

Participants who don’t show up for activities forfeit the full cost.

I do hope this explains your points and obviously your place is open at present if you would like to attend but please verify if this is the case. It would be a pleasure to have you return XXXXXXXXX. If you do feel that you would like to cancel your place still then you may want to look at retrieving your payment through travel insurance as it is a personal medical issue.

 

These look unfair in the extreme to me, in fact i'd say they were penalties. Help please

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Your friend will have to decide not to go to camp and then try and get his money back through the courts. I would certainly argue that this might fall within the definition of an unfair term (4.5 months notice for this kind of thing seems excessive)

 

However - you are not cancelling over 4 months ahead - you are cancelling only a few weeks which is a different kettle of fish.

 

 

I am also suspicious of how he lost this LOADS OF WEIGHT (was he passing a lot of urine?)

 

One cheat to promote rapid weight loss is to lose water - this can be achieved with excercise and through certain foods (and even more dangerously with drugs).

 

Once the client stops eating the specific foods (or drugs) the body rectifies its fluid balance (provided not permanent damage has been done) and the weight goes back on.

 

This sounds like what may have happened here and that this "camp" is run by snake oil salesmen

 

I wouldnt go back to the camp as it may be hazardous to health and I would speak to the OFT and trading standards and even watchdog about it to see if there is anything else can be done.

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Hi Doc and thanx for your reply:D

The weightloss was from upto 8 hour of exercise per day as far as I know.

He's been e-mailing about getting his money back since jan, because that facilities weren't upto scratch on his first visit, he wanted to cancel but was told he couldn't as he'd lose all his money, so he went to the rescheduled week, since he gain all the weight back so fast he then questioned them and they have been delaying his formal request by offering advice and "internal discussions". But even so there T&C's stink, they are so one sided it's amazing they can get away with it, I mean they cancelled part way through the week and have to refund less than 50%, but for him to get 50% back he has to cancel 4.5 months in advance!

My feeling is that this in itself is an unfair term,,,,,

Amount payable

6 weeks or less: Total fee is due no refund.

Less than 12 weeks: 75% of the full cost will be due to BC

Less than 18 weeks: 50% of the full cost will be due to BC

 

I mean thats an enormous % to claim for those timescales, they look like penalties to me?

I'm trying to get a letter together for him and would like to know if i'm thinking along the right lines? Theres no way that those figures can be justified as costs, I could sort of understand if it was called a non refundable deposit (although I would still argue with that) but it's not, it says charges, just like bank charges, just because it say so in the T&C's doesn't make them lawful.

 

I guess what I'm asking is,,

1. Do these term fall foul of the UTTC's?

2. Do they count as penalties under common law?

Thanx

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Thanx Doc, thats what I needed to know.

If anyone else has any opinions or advice I'd been very greatful:D.

I'm drafting a letter and will post it up for opinions if you don't mind

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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