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    • 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? 😂
    • I look forward to hearing from a member of the team 
    • Hi Selrahc and welcome to CAG   Please be in no hurry to contact X4Less, Harlands or CRS - they can do nothing for now.   Before you do anything, we need more info. Please confirm :-   1. Approx date you joined.   2. Were you told it was a rolling monthly m/ship by a staff member, or a longer minimum contract.   You have no need to reply to any demand from Harlands/CRS so ignore them for now.
    • why don't you have the green slip of the v5c and what do they want it for?  
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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.
       
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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.
       
      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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Unfortunately, unbeknownst to myself, I gave the Claims Warehouse my card details, and they then paid Ratio Money directly with my card.

 

I had no knowledge of this at the time, as the Claims Warehouse were the supposed organisation I was transacting business with.

 

"I have a bad feeling about this..."

 

Credit card and over £100 i hope.

 

M1

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All I know is that they have my cash, and I have seen NOTHING for it. I never asked for them to take my case, and they are in administration.

So, for the rest of us, we have been ripped off.

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Yes, Today. Appears to be genuine, can not see what he can get out of such an approach if not genuine as I would not give real name. Story may appear on the Sunday Mirrow. Shame it is not a paper with much of a reputation or depth.

 

 

My guess is it will be 'Corrie Actor in Debt [problem] Scandal' :eek:

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Ratio Money have performed for me ! My papers are now with a solicitor who has paid RM £50 for the intro. CFA signed - all very recent. Barrister instructed to examine the situation.ie. the CCA situation re. unenforceability.................................

Who is the solicitor?

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Ratio Money have performed for me ! My papers are now with a solicitor who has paid RM £50 for the intro. CFA signed - all very recent. Barrister instructed to examine the situation.ie. the CCA situation re. unenforceability.................................

If it's an Emmetts report, don't hold your breath. Any chance it is just an APR breach? I understand there have been thousands of these thrown out by Waksmans judgement in december.

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I thought the claims warehouse were now passing people to credit clear services?

 

I did find this little nugget about them on you tube. seems they have upset quite a few people

 

YouTube - Broadcast Yourself.

 

The death toll rings for all these type of companies now. Only the ones who can prove they have the best interest of the client at heart will survive.

Edited by xp1
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If it's an Emmetts report, don't hold your breath. Any chance it is just an APR breach? I understand there have been thousands of these thrown out by Waksmans judgement in december.

 

I have seen a lot of these Emmetts reports and they cannot be relied upon - Black Knight Associates recently reviewed over 1000 cases for Ratio and rejected 95% of them!!!

 

All of these cases had a positive report from Emmetts and the clients had been charged £295 (negligence claim there I think).

 

What's even worse is the fact that Ratio were apparently made aware of this last year but by then they could not afford to pay any money back as most of it had either been piad to Emmetts and The Claims Warehouse.

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  • 2 weeks later...

There is a solution

It may be in your best interests that Ratio Money was actually paid. If you paid for the service using a credit card you can get a full refund under the CCA 1974. EDIT Breach of site rules- naming commercial company

Edited by pt2537
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There is a solution

It may be in your best interests that Ratio Money was actually paid. If you paid for the service using a credit card you can get a full refund under the CCA 1974.

 

Thanks but unfortunately I gave them a cheque!!!!

 

I'm using the DIY PPI software that Black Knight supply

 

I paid by credit card for that and it only cost me £34.97 for the software.

 

At least I can control my claim now and it's really easy to use.

 

I've had enough of Claims Mangement Companies charging a fortune and not doing anything and I'm sure I'm not the only one who thinks like that!!!!

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  • 1 month later...

I now hear that The Claims Warehouse has gone into administration. Roly ferguson has teamed up with carl Wright in his company Grass Roots Financial ltd and using Tim Schools to audit UCA's

 

At least we know where they all are now :D:D

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  • 2 weeks later...

Business Name: The Claims Warehouse Ltd Address: Beckett House, Sovereign Court,

Wyrefields, Poulton Business Park, Poulton le Fylde Town/City: Poulton-le-Fylde, Postcode: FY6 8JX County: Lancs

 

Trading Names: No Trading Names Sector: Financial products/services, Status: Authorisation Surrendered

MOJ Web Site

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  • 1 month later...

extra protection

 

Whenever you use your credit card to pay for something that costs more than £100 and up to £30,000, Section 75 of the Consumer Credit Act (CCA) makes the card issuer jointly liable with whoever you're paying if something goes wrong.

 

This can be useful if you've got a problem with an item you bought and you can't get the retailer to resolve it, or if you've paid in advance for a product or service you don't receive – because the company's gone bust, for example.

 

You can claim the full value of a purchase from your card company, not just the amount you paid on your credit card

 

Note that you can claim the full value of a purchase from your card company, not just the amount you paid on your credit card. This also means that if you paid less than £100 on your card for something worth more than £100, you can still claim the full amount.

 

Section 75 could mean the difference between you getting your money back and losing it all.

 

Example

 

Caroline Lock used her Alliance & Leicester (A&L) credit card to pay a £235 deposit for a sofa from World of Leather (WOL). A few days after she'd paid the deposit WOL went out of business.

 

A&L initially refunded her deposit while it contacted WOL. However, WOL claimed the money again and A&L charged it to Caroline's account. A&L then said there was nothing else it could do, despite it being jointly liable with WOL under Section 75.

 

Caroline contacted Which? Legal Service, who advised her that WOL was in breach of contract and her card issuer was jointly liable.

 

Caroline wrote to A&L again, this time stating that it was jointly liable for her loss. Two weeks later, A&L refunded the full deposit of £235. It didn't tell Caroline why it had suddenly decided to refund the money, though - the letter merely said: 'The transaction which you disputed has now been rectified'.

 

Your right

 

The cover provided by Section 75 is your legal right and not just another perk offered by your card company. But news of this valuable perk may come as a surprise to you. This is because card issuers choose not to tell customers about it.

 

Indeed, many issuers deliberately make it difficult for cardholders to use section 75. As a rule, the only place you'll find any mention of it is in the small print of card issuers' terms and conditions – and this is required by law anyway.

 

Purchases made overseas

 

Following a High Court ruling in November 2004, Section 75 cover does not generally apply to purchases made abroad.

 

Additional cardholders

 

There is disagreement about whether additional cardholders are covered by Section 75. In 2001 MBNA won a court case that found Section 75 doesn't apply to some purchases made by additional cardholders. In the judge's view, anything that an additional cardholder buys that's not for the main cardholder isn't covered by Section 75. We don't agree and neither does the OFT.

 

How to use Section 75

 

If you have a problem with something you've paid for with your credit card, call the retailer and your card company, and then follow this up in writing.

 

Make sure you keep copies of any correspondence, and remember you don't have to go to the retailer before you can claim against your card issuer. If your card issuer says that you have to contact the retailer first, tell your issuer that it's wrong.

 

If your card issuer won't accept your claim, don't give up. The letters we've received from our members show that, on occasions, card issuers are initially obstinate and refuse to accept their liability under Section 75. But perseverance may well pay off.

 

If you're getting nowhere and want advice, try your local citizens' advice bureau or trading standards office (contact details in the phone book). Alternatively, Which? members can receive unlimited legal advice by phone from Which? Legal Service for just £9.75 per quarter (£12.75 for non-members). Call free on 0800 252 100 for an information pack.

 

another way to get your money back

 

Although Section 75 applies only to purchases over £100, it's still worth contacting your card company if you experience problems with lower-value transactions, as there is another way to get your money back. Known as 'chargeback', this covers you for the same sort of problems as Section 75 does.

 

 

 

From Which.

 

M1

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It's against OFT guidlines to ask/accept payment by CC ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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  • 1 month later...

Emmets solicitors are busily ringing round the client base and those who had dealings with Ratio Money. They have rung me twice in the last 2 weeks offereing to `reaudit my agreements` provided I stump up £495 fee for ate insurance fee. Needless to say they received short shrift and blistered ears - these people are total clowns be warned.

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That last post made me laugh. Emmetts offering to re-audit agreements? They must be joking.

 

They are the reason that a lot of us on here lost money paying Ratio Money for our first audit.

 

I'm not legally trained, but even I could see that the so-called breaches contained in my agreement, simply weren't there.

 

You are right Billy Goat Gruff, these people are total clowns. Stay well away everyone.

Regards

socleirigh

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I had a call recently supposedly from Emmetts but I found out later it was not from Enmmetts but from Legal Direct Claims Management company asking me to pay £934.13p incl VAT to have the CCA declared unenforceable. I didn't pay but have the name and numbers of the caller. There might be a tie-up with Elliotts Solicitors -

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I seem to remember that just recently the rules changed about 'upfront' fees & they are no longer allowed to charge them... at least I think I remember... but I am senescent now. :lol:

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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I am trying to get the money I paid Ratio Money back from MBNA but on my statement the payment was to 'TVF'. They are saying that they need to know who TVF are before they pay up. Does anyone know what the link is between Ratio Money and TVF ?

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  • 4 months later...
I had a call recently supposedly from Emmetts but I found out later it was not from Enmmetts but from Legal Direct Claims Management company asking me to pay £934.13p incl VAT to have the CCA declared unenforceable. I didn't pay but have the name and numbers of the caller. There might be a tie-up with Elliotts Solicitors -

 

Legal Direct Claims Management Company could be the same as Legal Direct Ltd - a solicitors practice run by Tim Schools who is also the principle of ATM solicitors which has recently been bought by Emmetts although the two practices have worked closely together for years

 

I would be interested to speak with you - send me a PM if you are willing to discuss this further

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