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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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      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?
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      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. 
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    • 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.
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      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.
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      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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Before the Event (BTE) or After the Event (ATE) legal expenses insurance.

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Before the Event (BTE) or After the Event (ATE) legal expenses insurance.




Research shows low awareness of before the event legal expenses insurance

23 October 2007


Research published today by Ministry of Justice reveals that less than one in four consumers have heard of either Before the Event (BTE) or After the Event (ATE) legal expenses insurance.

Legal Expenses Insurance (LEI) provides the policyholder with the cost for legal fees in the event that they become involved in litigation. It is a relatively inexpensive mechanism for resolving a range of problems and legal disputes.

The research report produced by FWD reveals that there is a considerable lack of information about the product both in the public domain in general and at the point of sale. Awareness among lower socio-economic groups (C2DE) is particularly low even though this group appears to be more likely to need to use a BTE product.

The report also reveals that despite low awareness overall market penetration of the product has increased to 59% of the population (this compares with 50% penetration revealed by Mintel in their report published in December 2006). The research estimates that 28m adults currently own the product, most as an add on to another insurance policy.

Welcoming the findings, Justice Minister Bridget Prentice said:

The report gives us an insight into the current state of the BTE insurance market. Whilst more and more people now have the product, they don't appear to know how to use it. This is particularly true of the more vulnerable members of society. BTE insurance is important because it provides people with a means of getting advice and assistance when trying to resolve disputes. I would encourage insurance industry bodies and consumer groups to try and deal with this problem

Other findings show:

  • Legal Expenses Insurance cover is often fragmented or even duplicated. Due to lack of awareness many consumers are not aware that they have BTE insurance
  • The market is likely to expand over the coming years increasing the number of consumers in this position
  • The report recommends a number of steps that insurance industry bodies and consumer's groups- such as the Financial Services Authority (FSA) and Association of British Insurers (ABI)- should take forward. These include:

  • Agreeing ways of promoting LEI and providing more information about the product both in general terms and at the point of purchase (including communicating its benefits more widely).
  • Developing ways to encourage policy holders to read their policy documents

  • Changing the name of Legal Expenses Insurance to something consumers are more likely to understand. One suggested alternative is 'legal protection'

  • The report also recommends that employers provide LEI to employees
  • Additionally, Housing Associations could provide LEI for tenants

Officials at the Ministry of Justice have been discussing these recommendations with the FSA, ABI, Housing Corporation and employers groups to examine how these recommendations could be taken forward.


Notes to Editors


1. 'The Market for BTE Legal Expenses Insurance: A research report for the Ministry of Justice', by Oona McDonald, Ian Winters and Mike Harmer

2. Until now the only other independent survey of the Legal Expenses Insurance market was published by Mintel in December 2006.

3. BTE insurance products have been available in the UK since 1974. The research report shows that 93% of all households have home buildings insurance in place; 78% have home contents Insurance;

4. The structure of the BTE market in the UK is complex. It is sold in a variety of ways usually as an add on to motor or household insurance. It is also sometimes sold attached to travel insurance.

5. The vast majority of BTE products are sold through intermediaries consisting of national brokers, broker chains and regional brokers.

6. For more information contact Zoë Campbell, Ministry of Justice Press Office, 020 7210 8695 forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifHousehold Insurance Click link to open in new window.





Legal expenses insurance report





Legal expenses insurance report

Date: 23 October 2007


This report explores the current state of the legal expenses insurance market and future trends with a view to promoting 'before the event' (BTE) legal expenses insurance so that more people have access to legal advice and assistance.




The research for the report was done by Dr Oonagh McDonald, Ian Winters and Mike Harmer, of Fwd thinking communications.


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