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    • well you could go down the covid route and ask for a payment break etc etc but thats really only delaying the inevitable. but if you did that would only p'haps be worthy to lloyds when ws this A/C opened and has the allowed OD amount slowly crept up when they've given more and more to you?   as for everything else..you seem to have my ideas correct.   i've moved your thread to the debt self help forum. there are numerous like threads here to read.   dx      
    • Hi Consumer Action Group,   First time posting here because I don't know where else to go.   I've cancelled my gym membership with gym in February 2020 because of Coronavirus and my financial situation. This is done within my terms in contract, gave them 1 month notice in writing and everything went smoothly with the gym. They told me from their side it's cancelled and I didn't hear from them since then. They told me (face to face and on email) to contact DFC - Debit Finance Collection plc., company who collects debits for them to cancel my debit collection contract with them. I contacted them and explained situation (on the phone and via email). Everything was sorted and I got confirmation that debit collection is cancelled.   Recently I got the email that I'm due a payment for a September for gym that I haven't attended from February 2020. Then they sent an email that they couldn't take a payment. That's because I removed that debit payment from my bank account. I called them again to cancel that, that I won't pay anything because my contract is already cancelled but they told me that my gym membership is still running and that I need to pay termination fee. They are now contacting me with emails and SMS to pay the amount for September and extra charge of £15 for missing a payment within 7 days.    Weird thing is, DFC never contacted me for any payments from March to August and they now asking for monthly payment.   Reading other threads on this forum on Gym and Health Clubs membership cancellation and issue with DD, I get the feeling that I should just ignore them.  Can you help/confirm what are my next steps, should I just keep ignoring them? I'm getting angry with DFC because they don't want remove my details. I asked them to cancel and remove everything because of GDPR.   Thank you for reading my case.
    • Thanks - thread titled amended to show this.   UKCPS certainly confused me with their non-address.  The thickos haven't clearly shown where you parked which is in your favour.
    • Just to fully understand. : I should stop paying : HSBC credit card and Overdraft Ask for CCA from cabot   How about very recent LLOYDS overdraft debt.  Just got the letter today stating that they defaulted this account and collection depart. will contact soon to arrange repayments.   I guess I just need to wait to see what they will come up with.    But before any of that I should write to all creditors to inform them that I will stop paying them? Due to my bad financial situation?    I know I'm asking a lot but appreciate your help Sir.  E. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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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

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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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it as given me some pointers yeah thank you matey. but i could do with a copy of true b.o.s and terms and conditions of one were might i get one of these regards:)

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Maybe another LBL poster may be able to oblige.

 

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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Maybe another LBL poster may be able to oblige.

 

i found a copy of the terms and found this interesting piece

 

Chattels not to be removed or sold

 

All personal chattels seized or of which possession is taken . . . . . . F1, under or by virtue of any bill of sale (whether registered before or after the commencement of this Act), shall remain on the premises where they were so seized or so taken possession of, and shall not be removed or sold until after the expiration of five clear days from the day they were so seized or so taken possession of.

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Our car was sold the day it was took from us on 2nd December 08. Removed from our premises at 10am and sold that afternoon at auction.

 

this is section 13 of the

Bills of Sale Act (1878) Amendment Act 18821882 CHAPTER 43 45_and_46_Vict

 

An Act to amend the Bills of Sale Act 1878.

[18th August 1882]

 

further more i have found another section they have broken making the bos null and void but i need a copy of the b.o.s were i can obtain from my local royal court of justice or send of for them the files are there for any person to search

Edited by madace
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Just to update you all been in touch with trading standards and they have agreed to help me they have manage to get log book loans hold out before selling the car while we find out who is in fact the rightfull owner it more complacted because i am the the third party so the bill of sale was written up between them and someone else.

Meaning i can not question the legality of the bill of sale even thow it was registered on the 8th day and whitness was in fact a underwriter of log book loans only the person envolved can question this. But i do know the bill of sale they have is null and void not just on one section but a few let alone even checking the credit agreement which trading stanards are in the process of collecting but again more complecated due to data protection act so OFT need to get a waver for this. With all this in mind and in black and white i still can not claim my car back that easly. so i will need to wait and see what OFT say or advise fingers crossed hey.

 

PS LBL SAY THEY ARE GOING TO CHARGE £12 A DAY STORAGE wrong wrong wrong ain't it but also say they are willing to help us and trading stanards to get to the bottom of this MMMMM :confused:

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Lbl said they would help if we took the people we got car from to court for fraud. We looked into cost and can't afford to do this. They say they will help but don't

 

well trading standards have informed me i have no legal rights to the car there is no question of this who ever sold the car to me had no rights to do so,

 

so yes log book loans are the right full owners under the bill of sale act but the bill of sale as got to be 100% water tight proof if its not it can be challanged in court,

 

trading stanards tell me the witness signature can in fact be the one of any person including a rep of there own company,

trading standards also confirm that any bill of sale as got to be registered within 7 clear working days no ifs not buts, this can be challanged in court and only the court

if not the case and the judge agrees it found to be in breach bobs your uncle,

The bill of sale i was presented with was in fact drawn up on the 22nd feb 2007 and registered on the 2 march 2009 my calculation tells me that the 8th day so i have been intouch with stephensons just waiting to here if i am qaulify for legal aid but they are happy to take the case on.

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  • 4 weeks later...

what as come to light now is a bill of sale can infact be registered after the 7th day if you pay a late fee of something like £40 a back hander payment i call it.

Now with my case being under £5000 it becomes a small claims and i can not get legal aid so i can try and file a small claims against LBL but they will fight they have a legal B.O.S and demand its delt with by high court which is what the small claims court will have to grant as it a high court legal matter which is were it starts to cost and with out legal aid i could end up out of pocket by thoundsands on top of the price of the car i lost aswell there is a way of finding out if there was an extension granted but again it cost to find out and can take a few weeks so now i have no idea what to do now

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We in similar position , but we can make our claim over £5000. The car we swapped was worth £2000, the repairs to the car we got was £1500 and the price of a new car was £1500 which we had to some repairs to we are trying to recover all our costs from people who took loan out on the car we had took from us. We out of pocket nearly £6000. We need a car to carry our disabled son why should we pay when we done nothing.

 

How much have you lost out on?

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