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    • hsbc don't need their own data back. but yes send them a copy of the FOS CQ.   you are quite entitled to send the FOS a covering letter.
    • hi Laya and welcome to CAG   They are just trying their luck and you should ignore these demands with no reply at all.   Don't call or email or respond in any way - when they realise you're not taking their threats seriously, they'll move on to weaker prey.   There will be no court proceedings at all so don't worry about this. They have no grounds for court action and that's not how they operate.   😎
    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
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vicki_plum

Important! Campaign for a living wage for all, sign this petition!

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Hello All!

A 'living wage' is the term used to describe how much someone needs to earn per hour to afford the basic essentials in life, not luxuries, essentials. The campaign for a living wage is growing in strength with

Labour now throwing its support behind the idea and London mayor Boris Johnson saying it has his wholehearted support.

The recommended living wage was recently set at £8.55 an hour in London and £7.45 an hour for

the rest of the UK. The minimum wage is £6.19. Please sign the petition in favour of raising the national minimum wage to match the living wage needed for people to be able to support themselves. find the petition by clicking here-

http://epetitions.direct.gov.uk/petitions/41273

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Get a second job?


Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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I'll Sign. It's a worthwhile petition and I hope more people do.

Pitcher


Awop-Bop-A-Loo-Mop-Alop-Bam-Boom. ~ Little Richard.

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Why? If people were paid a living wage we would save billions in welfare benefits

 

We have already priced ourselves out of the market with the price of British made goods due to high wages and if those prices have to be increased yet again, even more people will be on benefits as companies move offshore. Daft petition raised by someone who has no idea of economics!

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Ok, all calm down please!

 

My humble opinion: although I'm a long term unemployed, I'm against the living wage and the national minimun wage. It has created a black market for people willing to work cash in hand.

 

I'd rather work for £4 an hour legally than have other people work for £4 cash-in-hand and not pay tax and NI.


"Ask not what your country can do for you, ask what you can do for Poundland"

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Ok, all calm down please!

 

My humble opinion: although I'm a long term unemployed, I'm against the living wage and the national minimun wage. It has created a black market for people willing to work cash in hand.

 

I'd rather work for £4 an hour legally than have other people work for £4 cash-in-hand and not pay tax and NI.

 

That is very sensible long term thinking. We all like to have a good standard of living, but that comes at a price!

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We have already priced ourselves out of the market with the price of British made goods due to high wages and if those prices have to be increased yet again, even more people will be on benefits as companies move offshore. Daft petition raised by someone who has no idea of economics!

Hi,

I humbly suggest, playing junior economist is a dangerous thing, just look at what George Osborn has done. A man with a poor degree in history/Art and with no real life work experience has become Chancellor of the exchequer. Priceless!

A living wage means exactly what it says. Paying someone just enough to live on, no more no less.

How are people supposed to live if their employer pays them less than what is needed to survive?

Are you advocating begging, robbery or maybe even prostitution to make up the short fall? please explain.

Regards

pitcher

Edited by pitcher

Awop-Bop-A-Loo-Mop-Alop-Bam-Boom. ~ Little Richard.

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Hi,

I humbly suggest, playing junior economist is a dangerous thing, just look at what George Osborn has done. A man with a poor degree in history/Art and with no real life work experience has become Chancellor of the exchequer. Priceless!

A living wage means exactly what it says. Paying someone just enough to live on, no more no less.

How are people supposed to live if their employer pays them less than what is needed to survive?

Are you advocating begging, robbery or maybe even prostitution to make up the short fall? please explain.

Regards

pitcher

Obviously you have no understanding of economics. No one is knocking a living wage. It is us that have pushed up the price of goods as we wanted more and more. Result is we end up earning below a living wage. If we increase wages we end up in the same vicious circle and eventually every one will be earning £100 per hour, but at the same time a living wage should be £110 per hour. Get it?

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That's a good petition in my opinion. I'll sign

 

Everybody should be able to afford at least a basic living of their wages.

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I've very happily signed. Basic good economics to me are, if you are on a living wage then you can come off certain government financial support. This means more money in the Gov. coffers to spend on e.g. keeping local services open such as libraries. This means people are kept in employment and kept off benefits which means more money is pumped back into the economy. Yes, employers would have to pay more, but presumably this simply means they would pay less tax as their outgoings would be more. Oversimplified perhaps, but you get the drift of it..

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