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    • They asked for summary judgement without hearing - which they didn’t get - a hearing was ordered , does that mean the court isn’t convinced on the face of it , enough to grant the judgment ?   i can write a witness statement - do I write a witness statement directly in response to the points they raise -  rather than when I defend the case as a whole which would me much longer and comprehensive witness Statement on all points    or do a long one here (application hearing)  , with covering skeleton argument sheet ?
    • I Ordered collection of a Dimplex heater for return to Amazon on October 2nd for October 3rd collection.  Now October 22nd and still waiting.  Despite emails to Hermes through 'Holly', when I received a one reply stating that the complaint was being investigated, two weeks ago, nothing has occurred.   I telephoned three times, only to be told that the parcel was going to be collected later that day.   I have paid for this collection and had to arrange with Parcel Force to collect, resulting in further postage cost.  Hermes invoice attached.  Payment went through my bank on October 5th. hermes-invoice-4865408.pdf
    • Thankyou so much for your reply.  After digging it appears it was a debt with 118 money for £2000 that was indeed mine from 2 years ago. so at least I can track the fact its mine.  Looking at the account it appears they took the interest off the loan and then sold it to another company.  The debt itself has been registered to an address before the one I was actually in. (lord knows how)  Heard nothing at all for 2 years then this default on the account that says azzurro associates (xxxxxx acc num etc).  I'm happy to pay it but because they have been using an address from 4 years ago I have no correspondence.  Really all I want to do is contact who the people collecting are and organise something.  It seems because I have not recieved correspondence I have now amassed over 3k instead 
    • And is there anything within the documents that states you are liable...whether you take up the offer or not ?
    • Thanks so much I will have a go. Really appreciate that. 
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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.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      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.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      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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      • 3 replies
    • 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.
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      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.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      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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Bannatynes Cancellation charges

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Hi there


Here's a summary of my situation:


- Joined Bannatynes in 2008, 12-Month Contract. £39/month for Multi-Gym Membership (Base gym in Skelmersdale)


- Moved to Manchester in 2010. Started to use the Manchester gym which was fine under my multi-gymmembership.


- As it wasn't my base gym I had to sign in everyday which took about 10 mins as they also had to call skelmersdale to verify my account


- I did this for a long time as they wouldn't let me transfer to the manchester gym even though it was the only one I was now using


- I told the guys in manchester and skelmersdale that I wanted to be transferred to the manchester gym and taken-off multigym as I was sick of signing in everyday. They told me I couldn't because it was a different membership system and that I would have to cancel my current contract (with a 3 month cancellation period) and then re-sign up to manchester


- I told them this wasn't fair as all I want to do it transfer gyms. I had been paying £14 more than the ppl using the manchester gym and told them this thinking my Loyalty might be noticed.


- I said I would leave the gym if I couldn't be transfered because it was ruining my gym experience (having to wait 10 mins each day) and was paying a lot more money than everyone else there who were using the same services. They couldn't care less!


- Anyways, I told them I was cancelling and stopped my direct debit. They are now chasing me for the three months cancellation £117.


- My contract does say I would have to give three months (I have recently been through the contract)


- I feel that I will have to pay this even though I wasn't happy with the service and eventually didn't have any enjoyment from going :-(


- I have been ignoring their letters to date. What will happen if I keep ignoring? Can this affect my credit rating or can they make a default agaisnt me?


Thank you



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Hi Bentham,


Given the circumstances, I think B's Gym are being their usual unreasonable selves here.


You were long-clear of the minimum m/ship period when it would be reasonable for them to stick to their 3 month's notice requirement. After the minimum m/ship period has expired, the 3 month's notice requirement seems harsh and most likely unfair to you as a consumer.


Strictly speaking, you are probably bound by the terms of the m/ship agreement and you should give them 3 month's notice to quit. However, if you don't do this, are they likely to take action against you - I think there's a possibility but not a probability.


In your case, I would write to them saying :-


I refer to your recent demands for 3 month's fees totalling £117.


I simply wanted to transfer my membership to the Manchester Gym so I could enter the facility quickly without queuing each visit. I also wanted to be paying the same per month as others using the gym, not £14 per month more. You treated me like you couldn't care less if I stayed or left, DESPITE me being a long-term member. This is short-sighted of you and, as a result, you've lost me as a loyal member.


Your requirement that I give 3 month's notice after the minimum 12 month membership period is, I believe, unreasonable in light of Mr Justice Kitchin's High Court ruling against Ashbourne Management Services Ltd last year.


However, I concede that I should perhaps have given you reasonable notice. One month's notice is recognised as reasonable and I therefore now offer to pay you one month's fee of £xx in full and final settlement of all amounts that I owe to you, to end this matter.


If you agree to accept this offer within 14 days, I will pay it.


If you do not accept my offer within 14 days, it will be withdrawn and I reserve the right to ignore further communications from you.



Send to B's HO by Rec'd Del'y and see how they respond.



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