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    • We hear from three people who have started their own companies during the downturn in aviation. View the full article
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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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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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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Really concerned now!!!!


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I agree, but even if / when the charges do come down to a more reasonable level, then what? Even if they're only £5 per charge, people will still continue to be charged from poor management of their accounts, only this time they may find themselves unable to reclaim those charges after fighting so hard for them to be 'reduced to resonable levels'. So what is the plan of action then? Perhaps another forum offering free accounting advice?

 

So you agree that private institutions, run for the benefit of shareholders for profit are allowed to levy unlawful punitive charges with impunity?

 

Of course I do, but as I said previously, aren't people learning from these mistakes? Some have won their claims, then continue receving charges on their account.

 

Some are, but then maybe some do not have the benefit of you obvious intellect and abilities or income. Many people cannot avoid bank charges because they simply do not have enough money, rather like you in fact.

 

I believe some people are having accoutns closed after taking their bank to court, I also know that people who continue to behave like this, abusing their account, do have their accoutns closed. Maybe not all but it happens.

 

Why do I think they carry on allowing this to happen? That's obvious, because they are profiting, however, when that stops, why should banks continue to allow transactions to go through if there are insufficient funds in an account? The answer is, they won't. When it no longer benefits them I wouldn't be surprised if they put an end to unarranged borrowing, etc. Instead, people won't have the funds in their account, they'l find payments aren't going through, etc, and inevitably end up in deeper water (with debtors) than simply being charged by the bank

 

Why does this concern you? It seems that you simply want to argue with somebody.

 

The simple truth is that the banks will continue to levy disproportionate charges and will continue to profit from them and the few of us that reclaim them will be nothing more than a minor annoyance to their huge in-house legal departments.

 

The sea-change you describe is not coming, not for a long time. It suits the banks to allow payments to bounce, to disallow DD payments and to have customers exceed overdraft limits because this is how they make such huge profits. The moneylending business is not nearly as profitable as the penalty charging business.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Danmoz, why don't you actually help the poor individual who started this thread, , give them a copy of your super spreadsheet, as unfortunatley not all of us are great with spreadsheets like you. I am a professionally qualified person, working on computers all day & dealing with large companies insurance all day, I wouldn't know how to make a spreadsheet, does that make me incompetent.

 

I have been in trouble for years, basically due to being young, stupid, and also a father of 2 lovely children from the age of 20. I've had a mortagage since i was 20 due to my comitments, and i've been skint since, and getting charged regulary, 100 spreadsheets wouldn't have helped, as i had more going out then comming in.

 

Sorry to go on such a rant, but your comment has angered me, as we are all in the same situation and in need of help, not someone tryng to big and making others feel small.

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PLEASE TAKE NOTE:

 

All users of our site are expected to act in a manner that would not cause offence.

 

This thread seems to have degenerated into a slanging match

and it will not be tolerated.

 

If any more instances of a personal nature are seen here, they will be removed and the users given notice of their imminent departure from the site.

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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PLEASE TAKE NOTE:

 

 

All users of our site are expected to act in a manner that would not cause offence.

 

This thread seems to have degenerated into a slanging match

and it will not be tolerated.

 

 

If any more instances of a personal nature are seen here, they will be removed and the users given notice of their imminent departure from the site.

I'd like to think that intelligent debate was welcome here, some users have shown they're okay to discuss things whilst others just go on a defensive tirade. You can't deny I've raised some valid points though. It's all very well helping people get their money back, but what happens once that's run its course? As I stated earlier, they're still going to facing the same issues but with the possibility they won't be able to get a refund.

 

It's a shame two members of the mod team felt they had to intervene, meanwhile there are members posting threads pleading for help and who promptly go ignored.

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I would just like to inform people that my husband is a taxi driver who has worked extremely hard all his working life and been very careful with our finances until when he was at work,driving, a drunk driver ,3 times over the legal limit and speeding at twice the legal limit crashed into the side of my husbands car his means of earning a living which was written off,.and he was put in hospital for a long time.Thankfully after 2 years he has made a full recovery,although our finances are not so healthy,and I am sure the majority of people on this site have other non fault problems too ,so perhaps people who have nothing constructive to say could just keep their opinions to themselves and leave the site open to the people who are kind enough to help us poor souls with their nonjudgemental advice

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OK Now that is off my chest and my nostrils have stopped smoking!!!!Natweststaffmember,I had asked you if my loan was the kind of loan which I could pay off directly or if it had to go through my acc first.

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Guest NATTIE

Glynn, normally I try to avoid the petty inconsiderate and unhelpful comments. A majority of people on this site have similar stories and hardships. So to everyone else I reiterate, HELPFUL COMMENTS OR DON'T COMMENT.

 

The answer is yes you can pay your loan from another bank account that isn't NatWest. Hope that HELPS

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Guest Niklowe

Glynn,

 

natweststaffmember is here to help of his own accord. be polite to him. He's acting on his own behalf to help others. If his employers found out they would sack him.

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Glynn

 

I'm really sorry to hear of the history that has put you into so much debt. I know where you are coming from as my other half lost his business through the actions of another and we ended up in severe debt. We are lucky that we had family to help, but they can only do so much as I am sure you found out. I'm glad that you're getting your life on track and I wish you luck with your claims.

 

Sue x

Abbey National - Prelim request 15th August 2006 £1275.50 offer of £299 - declined

Nat West- Prelim request 15th August 2006 £235.00 refused refund

MBNA - Prelim request 15th August 2006 £704.00 offer of £300 - declined

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Hi Glynn, after reading this i feel i need to add on. I do not agree with things put into page one and im very sorry you have had this on coming to this site.

 

We all help here and are most helpfull as you will see and one person has decided thats not the case. Im now £10,000 in debt and to be quite honest i actually blame this on NatWest but i know i won't get anywhere with that. As im sure you will know like me we aren't living on the edge but have this debt behind us whilst living. NatWest gave me a loan under 18 so i will be seeking a refund of all my charges. I wish you the best of luck in your quest to seek advise and claim back anything you are rightfully owed. You are in the right place, there are people on this site who help over and above the call of duty.

 

Again, good luck.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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The answer is yes you can pay your loan from another bank account that isn't NatWest. Hope that HELPS

 

Glynn, apologies for the brief hijack, but I just wanted to clarify this from NWSM: Are there any cases that you are aware where it would be part of the condition that the loan IS paid from a NWB account? Part of the reason I got into trouble with them a few yrs back was because when I moved accounts, they didn't transfer the loan d/d to my new bank, and insisted the loan HAD to be paid through a NWB account, which I fought them over for months, as I couldn't see anything to that effect in the loan T&Cs.

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Guest NATTIE

If it isn't in the T&C's and NW say it has to be serviced(paid for) from an NW account I would challenge NW to provide the relevant part which states it has to.

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