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    • Hi all,   Apologies if this sounds drastic, but i'm a major stress head and it's setting off my anxiety in all honesty so I just want to double check with all that i'm in a secure position.   Upon gyms reopening, I signed up to David Lloyds on the 12th of April. I felt a bit pressured into but the sales representative I spoke to said that I can cancel my membership within the initial 2 weeks if I feel that the club isn't a good fit. So anyhow, as an idiot I agreed. Nevertheless, the next day I decided that perhaps it's not a good move for me financially and decided to cancel.   After ringing David Lloyds several times and being told they would get someone to call me back several times they never did. After calling in again and speaking to the actual woman who sold me the membership she said no worries they'll get it cancelled but only her senior member of staff could do so, and at that time she's not in so she would call back tomorrow. So at this point alarm bells start ringing and having seen a lot of the atrocities and bully tactics online, I decided to put it in writing both in an email and through their app referencing section 5f of their T&C's, and then forwarded on the email to their sales team aswell as their branch. I did get a generic receipt email for both the first email and forwarded email, but there is no tie to the email I sent myself implicating that it is in response to that (other than the fact the time stamps are at the same time).    The next day, it's 6pm and I hadn't received a call. So I called again and kicked up a fuss speaking to the same girl, to which she said look there isn't going to be an issue it'll be cancelled and she'll send it to me in writing. I got the email in writing from her (the email address was affiliated with David Lloyds and it did show her job title) saying that my membership is cancelled within the 14 day cancellation period which was a massive weight off my shoulders, but upon further inspection there was small print at the bottom saying that the opinions are solely of the individual and that David Lloyds accept no responsibility (not sure if thats generic or something that will bite me in the ass down the line). I hate to be a pessimist, but I am extremely cautious that upon the end of the month i'll be charged and they'll pretend to have never received nor cancelled my membership officially and the initial 14 days cancellation period will be over. Upon further inspection, my David Lloyds account is still active (to the point at which I can book classes) but i'm not sure if this is something that close at the end of the month as it does say something to that effect in their terms and conditions.    A link for the terms and conditions is found here: https://www.davidlloyd.co.uk/-/media/david-lloyd/files/uk-terms-and-conditions-october-2019-v2.pdf   I was hoping you guys could give me your insight as to whether this is secure enough to provide myself protection as I cannot risk getting a damaged credit rating (I am a worrier as you can tell). I have provided all the necessary screenshots attached.   H
    • as for cap1 there are letters to use in the debt collection section of our library inc your fees spreadsheets. i doubt cap1 will bite though.   is the OD still with halifax?    
    • Hi    I have just received my first ever PCN from Islington Borough 52JM failing to comply with prohibition Highbury Hill.   My home in Dalston is up for sale, yet had to relocate whilst we have been in lockdown restrictions, Prior to lockdown I travelled via Highbury hill, and was unaware of any planned traffic filters.     There Is no advance signage warning of traffic flow change (nor alternative direction indicators)  leading to the camera.   Does anyone know when this change was implemented as I am highly confident this change was not showing on my Sat Nav system (waze).     Also there is a young tree planted directly in front of one of the two signs, obscuring view of the change.   As a diligent driver I would welcome any advice to how I could challenge this PCN.     Thanks in advance   Darius
    • Filling out the defence but stuck on this one:   3. It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 [set out the specific ways in which the requirements of the paragraphs mentioned above have not been met]. Only include the above paragraph if you have checked the POFA and can refer to the specific paragraphs which have not been complied with. Otherwise delete it. Do not forget to renumber the remaining paragraphs.   Have they complied with PoFA 2012?
    • The contract you posted does not refer to any price increases but nor does it explicitly indicate it is a fixed price.   The summary section of Virgin Media's terms found here states the following:     Section N of Virgin Media's terms and conditions indicate that you have the right to cancel if they change the price of your contract, which Virgin Media reserve the right to do.   The same terms and conditions also indicate you should be notified of any price increases before they are applied to your account.   It appears VM indicated the price would change in January so the qualifying period to cancel was up to 30 days after notification of the price increase. I am unclear as to why VM referred to a 3 month cooling off period as I can only find reference to a 14 day cooling off period once a contract has been agreed.   Cancelling the contract at this stage does appear to imply an early termination fee is owed unless it could be clearly evidenced the contract was mis-sold or that VM are in breach of the contract for example by not providing the advertised speeds.     Slick's suggesting to find evidence on your account indicating the contract is fixed wold be very useful as unfortunately none of the communication that has been posted refers explicitly to a fixed price contract.   One option would be to raise a complaint as suggested by slick132, which is unlikely to result in any action in time to prevent the higher direct debit being collected. If the complaint remains unresolved for a period of 8 weeks or a deadlock letter is produced you could then take the same complaint to the Communications Ombudsman. VM are likely to make every stage of the complaint process cumbersome but while the payments continue would have no grounds to move an account to collections or mark a credit file.     The second option, provided there is sufficient evidence to clearly show the bill (considered by VM to be a debt) is unsubstantiated, is to remain in control of such payments and cancel the direct debit when there is a disagreement in order to not immediately be forced to be out of pocket and in the position of having to demand a refund.   In my experience companies can be more responsive when they think you owe them money, than the other way around. This is likely to entrench the company's position and is usually followed by several threatening e-mails designed to cause alarm about accounts being referred to collections and the threat of having credit files being marked.   While marking a credit file may affect the consumer it also carries risks for any company that incorrectly marks a credit file as people have successfully claimed against companies should it affect the obtaining of credit in future.   Provided there is jusitification, indicating to VM that their claimed debt is unsubstantiated and in dispute should result in a halt of any collections procedures until the dispute is resolved.   As a show of good faith you could continue to pay what you think is owed until the dispute is resolved, this would significantly reduce the amount that is in dispute.        
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Mortgage help please


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I opened nationwide flex account online. Soon as I had new account details, I phoned benefits people, gave new account number and it was done straight away! They then sent letters with the new details on.

The only thing is, I don't have a cheque book or debit card but accounts are different!

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I opened nationwide flex account online. Soon as I had new account details, I phoned benefits people, gave new account number and it was done straight away! They then sent letters with the new details on.

The only thing is, I don't have a cheque book or debit card but accounts are different!

 

 

Hi there

 

And thank you.

 

We called into Abbey national this afternoon and their transfer machines were down, we could have hung around while they were getting this sorted out but they did not know how long it would take.

 

They are open again tomorrow until 2pm, which we are pleased about for a Saturday, so we go back tomorrow.

 

We were told they would transfer everything for us, and then I shall contact who we have to.

They said the debit cards can take about 5-7 days after transferring.

 

So this time tomorrow we should have a new account and of course understand we to leave the current account open for now.;-)

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Excellent, well done. One less thing to worry about:)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great news. Once you are away from LTSB you will feel more in control. less than 2 weeks now till your appointment.

Hope you all have a good long week end.

C

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Thank you all.;):)

 

Our appointment has been changed for this coming Tuesday, they told us to ring this morning, because of the systems were playing up yesterday, but instead they rang us to let us know, by all means still come in but the systems are running slow, or to have a personal appointment for Tuesday 12:30-1pm, so we opted for that because it gives me a chance to sort out the direct debits etc and with it being Bank holiday as well I can't see it making much difference.

 

However, my hubby still pays for his union membership, this is mainly because the company he worked for closed down without notice (steel plant) where all the workers are owed money still and compensation, this can take a good while yet, so due to this I thought I would check out the benefits they offer while he is still paying for it, check this out here and please tell me what you think, cheers:

Community Benevolent Fund

 

It does state its the last resort, but still if we don't ask then we don't get.

 

Thanks again.;)

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Di, there is absolutely no harm in asking. As you say.. if you dont ask you dont get.:)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Di, there is absolutely no harm in asking. As you say.. if you dont ask you dont get.:)

 

 

Cheers.;)

 

I was checking through the case studies on the site also.

 

Not sure the amounts to enclose on the form though, as they don't state a limit.

 

We are almost 3 months in mortgage arrears until something is sorted out with CCCS, even though we are making token payments of up to £60 each week or less.

 

Overdraft limit coming to an end and with a child with autism/disabilities, we should add that as well.

 

Would you class that as severe hardship though?

Not had repossession letters yet but am expecting them anytime.

 

Thank you.;)

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Hi Di, if you are behind on your mortgage by 3 months, then yes I would consider that so.

 

IMHO, I would expect them to take into consideration the fact that you have a child with disabilities as well. Go for it :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Di, if you are behind on your mortgage by 3 months, then yes I would consider that so.

 

IMHO, I would expect them to take into consideration the fact that you have a child with disabilities as well. Go for it :)

 

 

Thank you, will give it a go.;):)

 

I know I have to confirm the CCCS to them, but they are not going to exactly fund for this, so will give it our best shot, will let you know how we get on, thank you.:)

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  • 2 weeks later...

hiya all

 

just wanted to say hiya and keep positive

 

im in our credit union its been good for me for saving and the link ell-enn gave will get to your local one pls take a look and it will hopefully give you some further hope for the future - if you wish to ask me any questions im happy to help

 

have a sunny weekend laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi there and cheers for asking.

 

Account all sorted.

 

Appointment went pretty well with CCCS on Thursday, but unfortunately a DMP could not be made at this current time until the finances improve, they sent us the letters by email attachment to send to the 4 creditors about token payments only, where we would have more left to pay on the mortgage.

 

We have since been in touch with Chelt&Glos (lloyds team) and for once a nice guy who my hubby spoken to said, obviously try to pay all we can, and as soon as he returns to new employment (with a bit of luck it should be soon), they will make more official arrangement, but meanwhile keep paying what we can, it helps but its not actually going to stop the letters.

 

I thought Chelt-Glos (lloyds) had started the scheme, but they have said not yet.

 

Anyhow, nothing has actually been signed with CCCS as its not an official plan, but hubby heard from his union, where he still pays a small amount for every month (as has been with this steel union) Community of life union for a number of years, but whilst unemployed due to the plant going into administration he now pays the reduced payments for this.

 

Anyhow the union said they can also help, we completed a "Bens fund" form, this is for hardship, where we might have some funding, this was completed over a week or so ago, but anyway the guy from the union rang yesterday to ask how the CCCS appointment went, we explained there is not enough left for a plan and the union dept are supposed to be calling back early part of next week to see if they can help even further, especially due to the mortgage arrears.

 

I will keep you updated, thanks so much.:);)

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Sounds a little more positive, di. Fingers crossed for next week :D

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you.;)

 

Here is the link to my hubbys union, many say its best to go to the union if they are able to help further, especially as they have legal protection as well:

 

Community Union Services

 

Why we did not think of these before lol.......:oops:

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Thank you.;)

 

Here is the link to my hubbys union, many say its best to go to the union if they are able to help further, especially as they have legal protection as well:

 

Community Union Services

 

Why we did not think of these before lol.......:oops:

 

Probably because you were scared, embarrassed, weighted down with the worry. You were more than likely just panicking and not thinking straight. Sounds like an all round care/assist package they offer. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Probably because you were scared, embarrassed, weighted down with the worry. You were more than likely just panicking and not thinking straight. Sounds like an all round care/assist package they offer. :)

 

 

lol, I think so too and knowing where to start as well.;)

Cheers.

Not a bad union overall, so far so good, in fact the guy from the fund we applied for yesterday said he will get on to this straight away and see what they can do to help altogether, he was the adjudicator-manager/Boss from the union, he said to hubby "he understood" and more must be done, so fingers crossed, he is supposed to be ringing early part of next week, every penny helps for the mortgage.;)

 

Can't remember if I said before, but where my hubby worked, the steel plant went into administration, due to this himself and about 399 other workers are due for compensation which has been won at courts last year, and its only now a matter of time when they will receive this, the union guy from Cardiff confirmed this the other day.

The guy that rang yesterday was the one from London........what you call the BIG Boss.:grin:

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Definitely worth the call then Di. Lets hope they dont hang around too long with the compensation for hubby. Enjoy the rest of the weekend.:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Definitely worth the call then Di. Lets hope they dont hang around too long with the compensation for hubby. Enjoy the rest of the weekend.:)

 

 

Defo worth the call, its looking more hopeful now.

The compo can't come quick enough lol, I'm sure it will be sent out all in good time.;)

Thank you and you too enjoy the rest of the weekend, cheers.:);)

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Hi Di, affixed is the letter you asked for to send to C & G. Also affixed is the budget sheet you need to send with it. Remember to send by recorded delivery, keep a copy of the letter, budget sheet and proof of posting. Check on the royalmail website in a few days to print off the signature receipt and keep it safe with the letter.

 

Any questions, just shout.

 

Ell-enn

Di letter.doc

Budget Sheet.xls

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Hi Di, affixed is the letter you asked for to send to C & G. Also affixed is the budget sheet you need to send with it. Remember to send by recorded delivery, keep a copy of the letter, budget sheet and proof of posting. Check on the royalmail website in a few days to print off the signature receipt and keep it safe with the letter.

 

Any questions, just shout.

 

Ell-enn

 

 

Hi Ell-enn

 

This is fantastic thank you.:);)

Shall I send them the budget sheet already made out by the CCCS the other day as it has the CCCS client ref number on it as well?

 

Thank you so much for your support and time Ell, you've been amazing, I shall keep you posted and remember to post by recorded delivery and keep the receipt to this safe.;) Also from the Royal Mail website "tracking" receipt. Cheers so much indeed.

 

Di

X

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If you have a CCCS budget sheet already filled in then that will be fine to send with the letter.

 

Ell

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Keep us posted on how things are going Di . I really hope the union can help with some payment for you and that your hubby finds work soon - it must be a very worrying time for you. However, you know you can come on here and get support and help when you need it :)

 

Stay positive:)

 

Ellx

Help us to keep on helping

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This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you so much Ell.;)

 

Letter all done with the budget sheet, ready to be posted in the post office tomorrow (2st class recorded delivery), I will post the reference number on here also, if that is okay, as sometimes aol does not always let me go onto royal mail lol for some silly reason, even though I can check through Internet explorer.

 

I will post up on here tomorrow with the ref tracking and check it out then on Tuesday, thanks so much for your help, I appreciate this so much, my hubby Dai also says a BIG thank you.;):)

 

Feeling better already.

I shall also keep you posted on the union, with a bit of luck we should hear from them by tomorrow or maybe Tuesday, if not we shall chase them up also.:) Your help and support have been tops!:smile:

 

Thank you XXXX

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Forgot to ask, I am about to also request a Mortgage payment booklet, does anyone know if providers do these and especially Chelt&Glos? lol.

 

Not have a cheque book anymore and do not want to pay over the phone and give new banking details really, due to going with CCCS for token payments arranged for all lloyds unsecured loan creditors.

 

While waiting for the payment book if they do this, is postal orders okay to pay the mortgage for now?

 

Cheers again.:D;)

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