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    • Hello,    I'm looking for some advice regarding my david lloyd membership,  I was a linked member to my now ex-partner's member unfortunately over the last lockdown our relationship broke down and we've gone our separate ways. To put it mildly we're not on friendly terms, he goes to the gym with his close friends and it would be a pretty hostile environment to be around.    He sent me a brief message just over a month ago to say that I was no longer a member and basically i'm not allowed to return once they'd re-opened. I'd left it at that and rejoined a new gym.    Anyway, i've now received an email staying I have unpaid fees and need to make a payment and they've set me up as stand alone member - i've tried to speak to someone but apparently have to wait 3-5 days and i'm assuming they're now going to make me do the three months cancellation fee.    I can't afford to pay three months worth of membership for a gym i'm not going to go to. From reading some of the other conversations it looks like DL can be pretty brutal and not really have any empathy and i'll soon get a letter from a debt agency if i don't comply. What would be the best way forward? I'd rather offer a resolution then ignore and worry for a few months.     
    • Its a common wheeze to put a no parking outside opening hours on KFC and other places like cinema complexws with fast food outlets, The original planning permission doesn't permit such stuff quite often,
    • Good afternoon.   I am a member of Anytime Fitness on a rolling-monthly contract.   In March 2021, my home gym (Aldgate) sent an e-mail asking members to continue paying, freeze, or cancel their membership. If you didn't reply they would automatically keep taking payments.   Me (being naive and stupid), didn't reply to their email. My £40 a month D/D payments continued. These would be reduced to 50% once gyms opened again. I paid 100% (£40) Apr, May, Jun, Jul, and 50% (£20) in Aug, Sep, Oct.   I DID attend the gym July - October, so I am owed 3 'half-months' and around a week (from July) of payments from Aldgate.   My home gym then switched to Lewisham in November by default as I had visited that gym more. Lewisham charged me the 50% for Nov, Dec, Jan, Feb, Mar, and this went back up to 100% (£40) in April.   Again I DID attend Lewisham in Nov and Dec outside of restrictions. I have also attended the gym this month. Therefore I have overpaid them by at least a month, plus the latter part of December. It gets even more confusing as their basic membership fee is £24.95.   Aldgate will not refund me, nor will they transfer what I essentially overpaid to Lewisham, despite the gym being one-brand it is ran by a different franchisee. Lewisham are not so quick at replying to e-mails. They said I can talk to their management when I next visit, but I want to keep everything written (even if it is electronically) for now. I am however going in there tomorrow to give them a piece of my mind.    Anytime Fitness don't have a central 'complaints/info' e-mail, they essentially just push you off to the individual clubs.   Should I just try claiming a refund though my bank? All payments are made to a company called Clubwise, which I am told is a membership payment system that all ATF gyms use.   Many thanks.  
    • Hi all,   I'll try and summarise this mess briefly.   I have approximately £45,000 in credit card debt from the UK. I moved abroad a number of years ago (outside of EU). Up until now I was making minimum repayments, and had never missed a payment. It's got to a point where I can no longer continue making the payments, and I never told them of my address change (the address listed is my last UK address, which is my parent's home). I was basically using one of the cards with money available to pay off the other minimum payments using Revolut, and now of course i've run out of money. I have no spare money available, nor anyone that can help, so I believe my only choice of action is to stop paying. My CC accounts are with Lloyds Group, Tesco & HSBC.   From asking a different forum, my understanding is that if I do not intend to make payments I should cancel the direct debits first of all, then eventually all the accounts will default. I also was recommended to send letters with proof of postage to the creditors regarding my address change so they don't hound my parents, and have my correct contact info. I managed to find the address to use for Lloyds & Tesco, but I cannot find a postal address for HSBC anywhere. Is anyone able to help me with that please?   To answer some questions, I don't plan to return to the UK anytime soon. I don't have any assets in the UK, my bank account that had the direct debits is not connected to the creditors, does not have an overdraft, and the only money that was in there was to cover the payments. Also, I've been out of the country longer than the amount of time bankruptcy would be an option. I'm not particularly proud of what i'm doing, but feel like the only option is to have a fresh start from the worry of my UK debts.   Does anyone have any advice, or suggestions on my plan, and if i've missed anything? When the phone calls/letters/emails start should I respond/respond in a particular way/ignore? I guess at this stage without missed payments, this month will be the 1st time anything is noted, so i'm not sure when the messages will start.   Thanks for your time.
    • But I was fighting this claim thanks to you lot and your help last year. I genuinely don't know what happened to the court papers or the LBA that preceded it, and can only assume that it defaulted due to my having returned one envelope unopened back to ELMS Legal that maybe contained the LBA etc. A costly lesson although I'm inclined to just ignore it and swallow the CCJ for 6 years rather than give them a penny!
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old tesco/RBS loan - help


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With the state of that I would doubt the original would be much better so I doubt it.

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I wonder what their reaction will be.

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Sorry, got to go to A&E to have my split sides sewn back together!

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They have got to be dim even to consider sending such utter C**P

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  • 2 weeks later...

Hi Folks,

The latest letter form Moorcrap:

 

We have tried to help you...:roll:

It is clear that there is an impasse...

...the most sensible course of action is to return your account to our client and cease any further action...

Your account has now been closed and returned to the client....:-o

we have sent them a copy of your letter...suggest that you contact the client at your earliest convenience should you have any unresolved concerns about this account and your liability. It is in my letter.

 

All I did was ask for a legible copy of the CCA.

 

What will Tesco/RBS do now I wonder?

 

Cheers,

 

....

Rocky

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Hi Rocky, at least it will go quiet for a while until it seeps down to pond life lower tha moorcrap:madgrin::lol:

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Bear in mind that the issue with the CCA request is one they can easily overcome by providing a reconstituted version of the agreement together with the relevant T&Cs. Together with the (albeit illegible) signed version, a judge would be likely to allow this as proof of an agreement. Sad but true.

 

I think the real issue here is not the CCA, but the fact that you have been put under such pressure when you already have an arrangement in place and have not denied any liability for the debt. This is the bit that makes me angry. There has apparently been no correspondence with you to discuss the level of payment, so you are justified, IMO, to defend your position and fight.

 

Are you continuing to pay as per the earlier agreement? I would strongly suggest you do until these issues are resolved one way or another. I think you should be complaining to Tesco and asking why they have instructed DCAs in this matter when there is an existing agreement in place to pay. Tesco are responsible for the actions of their agents, so ask why the agent alluded to court action, and why they at first ignored your legitimate request, and ignored OFT collection guidelines, the result of which was to cause you unwarranted distress. Ask what restitution they intend to make for the actions of their agents.

 

I think this is the best way to fight back.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Ever informative DB:-)

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Thanks for that Donkey B, you make some very valid points. I stopped paying the arrangement when Moorcrap got the account and started the aggressive standard letter chain, as though I had defaulted on the arrangement. I only asked for the CCA then in self defense.

 

The CCA they sent really is illegible, and I think that they should be able to offer me something that I can read. The signature is illegible as well. I think that they may be able to supply a copy of the original agreement but they haven't yet met the Act's requirements as far as I am concerned, and I await their next response.

I will complain to Tesco as you suggest, about the aggressive approach of their appointed agents and their unreasonable noncompliance to my request and continued threats.

 

Why did they pass it on to Moorcrap when an arrangement was in place? I am sure that Moorcrap's fees are more than I am able to pay on an arrangement. :???:

Rocky

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There is a bit of a fallacy that you can stop paying just because the CCA request is flouted or ignored, and the account goes into dispute. The dispute simply means they cannot take enforcement action – it does not mean you should not pay! If you can, I strongly recommend getting your direct payments up to date, and keeping them up to date. This protects your stance should any legal action actually ensue, and would prove embarrassing to Tesco. Make it clear you simply ‘withheld’ payments while Moorcroft were involved, as you were alarmed that legal action was under way due to the misleading content of their letter.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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...and as they have appointed RMA, they clearly are intent on an unnecessary battle. Get that letter of complaint off to Tesco sharpish.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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  • 4 months later...

Hi,

 

Following months of dispute with Tescoeverylittlehelps loan, I have now got my CCA which appears sound.

 

I wrote to FredInt and offered to pay £4 in line with my other creditors as a realistic amount that I can afford.

 

Went to pay by Fredpay.com and after keying in card details (reluctantly) three times, it finally refused my £4 as not enough. :-x

 

So I guess the ball's in their court, or should I send a cheque?

 

Cheers,

Rocky

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i would never ever pay a dca

why can you not pay the OC?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if the oc shows as the owner on your CRA file

no dca can get a ccj anyhow

you need to do some reading

 

if you are trying to post something up

 

use this guide:

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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several threads merged on the same loan

 

please keep to ONE thread per debt

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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