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    • Hi PJB,   Make sure you keep the email safely.   I would now send a written letter to the gym manager (or their Head Office if you know the address, Croydon ??) saying :-   Dear sir or madam,   Membership at xxxxxx gym   I refer to my membership for which I paid up front in November 2019.   In your email of xxdate, you confirm I will be refunded £74.07 to compensate for the facility being inaccessible for me due to location.    So far, you have failed to make the refund as stated, despite me contacting you several times and being given various excuses.   I now require that you refund me as agreed to my PayPal account within 7 days. The details of the account are :-   Name xxxxxxxx Sort Code xxxxxx Account No. xxxxxxxxxx   If you fail to make the refund within 7 days I will look to recover the amount via the Court system.   Yours faithfully,   Send by post and get a free Certificate of Posting at the PO Counter.
    • CAG is a self help, learn and help other's on the way soet of place, Minster baywatch will have made errors with their processes, and there will be flaws in their argument A start on the letter might be:   Dear Minster baywatch,   Your Letter Before Claim is laughable You know now that I know your case is pants, on several heads not least as the signage is invisible at the time you issued your invoices, and the driver therefore could not accept a contract he can't clearly see the signs with the T & C's clearly indicated.  In fact the signage is laughable and cannot form a contract, due to its illegibility in the dark, in the night.   Something like that if indeed the car was parked in the dark, signs unlit.  Read up on some ericsbrother letters, and adapt them to rebut the circumstances on the Invoices they issued you.  INVOICES not FINES/
    • To be blunt, the fact that you haven't read similar Minster Baywatch threads now results in you getting it all wrong and being terrified of next to nothing.   A very well known legal company?  You're having a laugh!  Well known legal companies don't waste their time on private parking companies, you're dealing with bottom barrel-scraping solicitors.   You can't compete with a standard letter of which they send out hundreds per week?  Eh?  A Letter Before Claim isn't exactly complex.  "LETTER BEFORE CLAIM  Dear So & so, you owe me money, pay me within 14 days or I'll take you to court".  Not really difficult.  You don't need to be a top barrister to knock one of these out.   What does put you in an iffy position is that you have three of these tickets which will mean Minster Baywatch will be seeing more £££ signs than usual.  You need to start putting some work in otherwise yes, they will take you to court.  We would like to help you avoid that but you need to roll your sleeves up.
    • Their website was a mess yesterday on Black friday, will take them weeks to recover probably.
    • I know it will take me over the 12 points but I have mitigating circumstances as I suffer with Septic Arthritis and I can't walk long distances and have to attend hospital appointments for treatment I live on my own so I don't have anyone to drive me or help me .  I can get medical records and evidence from the hospital that I suffer with Septic Arthritis and I can show pictures from the hospital when I had my last attack.     My age is 68 I only use my car for shopping, hospital appointments and visiting the cemetery.    They originally sent me 6 speeding tickets but when I checked them 2 of the tickets were at the same time same speed and same date but 2 different notice numbers .  When I contacted the safety camera unit and explained this they immediately cancelled one of the tickets so that took it back to 5.  Should they have cancelled the 2 tickets as we do not know which one was the correct one.  They put a new camera up on the road with no white lines so I didn't see the camera as it was very high up and there were no white lines on the road but when I went back to check there were some small silver dots on the road.    Many thanks for your helpful advice as its very much appreciated  
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A friend of mine has just been sold over the phone some insurance for satellite services. I think he was ripped off as they took off him two amounts, one for 59.99 and another amount for 19.99. The company appears to be in Bournemouth. He is on virgin media. At the best of times as lovely a chap as he is he comes across as two sandwiches short of a picnic box. As I am someone who likes to play fair, I am asking the question, is he being ripped off or what ?

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Yes, if he's on Virgin Media they don't use Satellite, they use cable. Only Sky use Satellite.It sounds like your friend has been mis-sold. He should contact the company and demand a refund, or contact the card issuer for his payment card and get a chargeback done asap.

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