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    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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LA Fitness...I NEVER SIGNED A CONTRACT!!


saber_rbp
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Hi,

 

Some time last year I decided to join a gym, I couldn’t decide between the David Lloyd or LA Fitness. A friend of mine used LA Fitness and I decided to go there with him to check it out, I used the gym and found it to be quite

decent although very basic! The woman who showed me round advised me that they had a deal running that was £22pm (I think) but was only available that day and I had to join today to take advantage of it, I was very hesitant and the woman advised me that she would not make me sign anything and until the end of the month and if I wasn’t happy I could cancel, so I gave her my details and joined for the month but did not sign anything!!

 

After having a trail with the David Lloyd I decided to sign up with them and cancelled the LA Fitness membership. A few months later I received a letter from ARC eu ltd saying I owed £380 in unpaid fees and they would be taking me to court, I phoned them and after a lengthy conversation the said they would send me proof. A few days later I received the letter and obviously in the “Proof” (see attached) it clearly states I need to sign the contracts, thus backing up my story?!? I phoned Trevor Munn (the company now dealing with the debt) and they told me that I apparently signed up on the internet and that’s why they didn’t need a signature, this is completely untrue, they are now demanding 420.51 and are preparing County Court Application against me.

 

I really do not know what to do and with a baby on the way in 12 weeks I could really do without the stress!

 

Any help would be really appreciated

 

Thanks

 

http://i51.tinypic.com/xe50s4.jpg

 

http://i51.tinypic.com/oa92pz.jpg

Edited by saber_rbp
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It isn;t uncommon for mistakes like these to be made, so you need to set out your formal rejection of their claim addressing all their points, and send this by recorded delivery and keep the receipt. This will form the basis fo any defence you may need should they be foolish enough to take it to court, but not many do.

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It isn;t uncommon for mistakes like these to be made, so you need to set out your formal rejection of their claim addressing all their points, and send this by recorded delivery and keep the receipt. This will form the basis fo any defence you may need should they be foolish enough to take it to court, but not many do.

 

 

Thank you for your help and forgive me if this is really stupid but what is a formal rejection letter? Is it just me sending them a letter and explaining why I don't accept the claim and show them my evidence against it? Also, with regards to them claiming I signed up on the internet, would it be wise to contact the local police dept and get a crime reference number because if that's all they have, it most certainly wasn't me who signed up online so much be the sales team doing it for me and surely that’s fraud?

also, would I send the letter to the company dealing with this now or LA Fitness?

 

Thanks again buzby

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Hi Saber,

 

Just wanted to add, there's no point in contacting the police. Despite the inaccurate suggestion that this was an internet sign-up, it is still a civil matter and the police will not involve themselves.

 

If you want to make a complaint about this, make a brief summary of events and write to Trading Standards.

 

You should address your response to ARC and send Trevor Munn a copy. Remind them both that the matter is in clear dispute and any collection activity by them will be reported to Trading Standards and the FOS.

 

8-)

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