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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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    • 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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      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.
       
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      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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thinking about discon...my bank charges claim


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I started my bank claim charges claim back in 2006-7, i owed them about 2k overdraft, i was in a mess they closed my account and debt collectors chased for the over draft.....i discovered this site and realised how much bank charges the overdraft was made up of charges 2.5k

 

i started the bank charges case and the debt collectors left me alone a sort of win

 

any way roll on 2010 and the bank went for a strike out due to the oft case , i paniced and sent a "martin lewis" admended POC

 

now the case is progressing, i'm happy to leave the case in limbo, i've had an order from the court to attend "a case a mangment conferance" what ever that is ....

 

I'm thinking of giving in, as this is all well over my head and i'm thinking if a do a discontuance and then they can chase me in court over the charges i stand a better chance as a defendent?

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I know how you feel mate, we have been fighting HSBC since 2007 and they have now threatened to take us to court. We haven't been told our own court case has been struck out though:confused:

 

I trolled through 4 years of very disjointed paperwork last night and I'm not sure what to do now. Our claim amounts to the total in charges 2 accounts about £7,000.

 

I actually work for a lawyer so when I see the rubbish from DG it makes me really stubborn about carrying on but I'm just not sure if I can anymore.

 

Do we stand a better chance in court?????

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Hiya both, I think most people are in the same boat with HSBC at the moment, DG are telling everyone they won the test case so you should pay up now... this is total and utter rubbish.

 

Since the end of the test case they have tried this with me and I wrote back to them telling them that they are wrong so they passed my (so called) debt to two different collection agencies. I wrote to both collection agencies telling them they would have great difficulty collecting this debt as its already the subject of my own county court proceedings against HSBC... they have both given up too.

 

There are other things progressing at the moment and my advice is buy as much time as possible for now to let things clear.

 

pete

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I know it's hard guys but you have to stay the course. I am in stuck in a rut with Santander but you have to keep fighting.

 

Please don't give in

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any idea what hppens at a case managment conferance? it seems a bit hard that i have to take a day off work to turn up for 15 minutes?

 

I'm thinking of sending a letter saying: work won't give the time off so i can't attend, (which is true) and that i'd like the case stayed as my case is very simmlar to many other claims and would like to further clarification of the situation

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  • 3 weeks later...

gutted !!!!

 

got notice from the court today:

 

the case is stuck out:confused:

no order made for costs

 

 

i wonder how long it will take for them to start chasing me for the O/D? about 1.8k?

 

well it might take 3 more years for them to take me to court!

 

will they now mark my credit file with a default marker?

 

thanks for all the help but i think i should of attended court to stop it getting chucked out

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  • 5 months later...

I'm still trundling on with the taccy letters from debt collectors who are all associated with HSBC. Just keep writing back "as you are part of HSBC take a look at my file". Have been offered if I pay in full they will deduct £500.

 

A friend who works for another bank has taken a look at some of the letters and said they are worthless as most of them don't have the right details on them. My 18 month year old could write better lol.

 

Still have one account stayed in Court and have never heard a thing.

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  • 3 weeks later...

I was wondering if i should start a claim against HSBC. Doesn't look like there is much point :lol:

8-) With the help of this site so far I have......

 

Beaten Robinson Way (£600 SB)

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