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    • Hi,   I've recently cancelled a direct debit with this gym and requested to cancel my gym membership but had gone through the same ordeal as previous users on this forum.   I was persistent enough (having read the forums) to have the staff at the gym terminate my membership on their system. See attached image for proof of documentation. Additionally, I have sent Harlands and the gym an email with the image informing them that gym membership has been terminated. I have been given reassurance that they CANNOT reverse the termination.    My question is: 1) Am I still expected to pay that extra 1 month of gym membership? (I was informed this was so, but I requested for an official documentation that states this policy via email without agreeing to pay) 2) Is the screenshot sufficient proof that the membership has been terminated? (date cancelled and time stamp are clearly stated)   Many thanks for the help!
    • Well If I pay British Gas £90 a month they’ll be paid off in about 17 months. That’s a long time but if it’s gunna effect my credit rating until November 2023 why bother paying it off early?    Ive worked out too the PDL default will be 6 years old on the 22/01/2020 so is there a point even doing anything with it? If it gets removed after 6 years does that mean I won’t have to pay it back?    Thanks  Andrew 
    • Minor developments:   a) Notification received that case has been referred to County Court at Chesterfield and we've to await the Judge's directions re allocation etc.    b) The letter I sent on 20th August to the agent (Lambert Smith Hampton) that manages the Berkeley Precinct and has its address on the board at the entrance, has been returned by the Royal Mail National Returns Centre, with a sticker saying the "addressee has gone away"!!   Don't they have an obligation to change the signage if they move, and why wouldn't such a large company have their mail re-directed?   The letter requested assistance in obtaining a copy of the contract between VCS and the landowner. I'm a bit mystified, but have found an additional address, so I could resend the letter and give it another try. 
    • urm.. FmoTl twaddle me thinks followed here
    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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Payday Express took £500 from closed account!

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I had a text yesterday morning from Lloyds TSB, as normal, stating that I was overdrawn and yadda yadda... Then the Monday Text came which gives me my last 5 transactions... Which were not recognised.


I had a loan with PayDayExpress back in July, now being dealt with by the CCCS and being paid as far as I know... And they've taken the following;









These have been taken from a variety of cards which I have owned, none of which were my payment cards for PDE.


Lloyds have opened a fraud case as this simply not right. I was half way to calling the police too, seeing as they've phished around for my old card details from Moneyshop (who they work with).


My account is now £542.44 overdrawn and they've actually taken a hell of a lot more than what was owed (£325 all in all, they've taken £426.40).


What do I do? Lloyds were talking about collections and my account has been frozen with them due to my minor overdraft of £117... Now it's stirred the indian call centre right up and they're ringing me every waking hour now too... :(


Payday Express really are the lowest of the low, theiving ****.

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First mistake is continuing to borrow especially while on a plan with CCCS (who are great by the way). They are allowed to share details as they are the same company. You can contact Police but i can't imagine what they'll do. you can try the bank but they'll probably send proof that you borrowed the money and needed to repay unless you have proof that they agreed to the CCCS plan...

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I didn't take credit out whilst with the CCCS... I entered CCCS afterwards.


Fact is, they've "Forced" the transaction by making up an auth code which the bank say they're not allowed to do. Bare in mind, both cards have long gone and been cancelled, why are they doing this? It seems illegal to me.

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