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    • If they do turn up in Court and it is quite a big if. then when they lose you ask for your costs- day off work, cost of travel, parking and £19? per hour for litigants work.  And yes do read the whole article as it will give you other reasons to shoot them down if they do turn up.
    • General reply from rac   They won't even give an answer to the complaint for 20 working days   Am I the only one that thinks this is unreasonable? 
    • Hi SW02 and welcome to CAG   Please tell us what gym this involves.   The solution for you is simple - just cancel the DD mandate immediately via your bank, to avoid them taking a full or reduced fee.   Once you've done that, let us know and we'll suggest a brief letter to post to the gym (or Head Office) saying you've cancelled the DD due to their unwillingness to treat your concerns seriously or sympathetically.   They'll whinge  and whine and say you owe ever increasing amounts but they'll do nothing to cause you any serious issues.   We've been telling folk here the same thing for nearly 10 years, after The OFT took AMSL to the High Court.   Let us know when you've cancelled the mandate and we'll take it from there.
    • bottom line is do what you must.   there is no 'rule' in law which stipulates you MUST give them any notice at all.   it's just something that is mentioned in most gym T&C's (though some scam you with 3 mnts!!) and we ADVISE to OFFER by letter should people had accidently stopped a GYM DD already.   you are quite safe to totally ignore anyone that demands money should you do so. gym debts do not show on credit files as you say..gyms don't do court any DCA is a useless and powerless firm that aren't bailiffs and can do stuff all on any debt be it a gym one or otherwise..   i know what i'd do....   dx  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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MyHermes - Delayed Deliveries and Stolen Parcel. Can I get full costs?


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I am going to try and keep a long story short!

 

Sent 4 parcels with MyHermes on the 9th November. On the 5th working day only one had been delivered (They say all parcels delivered within 3-5days)

 

After lots of chasing, unhelpfulness and general disinterest, a further two were delivered on day 7. (resulting on me also receiving negative feedback on eBay).

 

So this leaves me with one parcel missing. After lots more chasing, I have just relieved a call from their customer services to say that they have found the packaging, but the parcel has been "tempered" with and the contents is missing. They suggest that it has been stolen.

 

When I posted the packages I paid for the maximum compensation they give on the website which is £250. However the item was sold for £297 and the postage cost me £7, giving a grand total of £314.

 

They have suggested that I could report the crime and potentially claim on my home insurance, however, with excess, I wouldn't retrieve the additional £64 and this would let them get off with paying anything.

 

Is there anything that anyone knows of that I could use, either wording in a complaint letter etc that could help me retrieve all of my out of pocket expenses?

 

Many thanks in advance for any help and advice.

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Yes you can.

Go through their compensation procedure. Claim for all of your loss which is 297 plus 7.

 

They will probably only pay 250. Accept that but not as full and final settlement.

 

Send lba for remainder outstanding.

They will either ignore or refuse.

Issue small claims for remainder.

They will pay as its not worth defending.

 

That's it.

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Yes you can.

Go through their compensation procedure. Claim for all of your loss which is 297 plus 7.

 

They will probably only pay 250. Accept that but not as full and final settlement.

 

Send lba for remainder outstanding.

They will either ignore or refuse.

Issue small claims for remainder.

They will pay as its not worth defending.

 

That's it.

 

Hi, thank you for your thoughtful reply. Really pleased I can go after them for the remaining balance!

 

Can I ask, what's an iba?

 

Thanks again!

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