Jump to content


  • Tweets

  • Posts

    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

David Lloyd probems.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3994 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Although I'm inclined to ignore ARC's letter, I think a brief reply should be sent :-

 

Dear sir,

 

I refer to your letter of xxdate.

 

In my previous letter to you of xxdate, I made it very clear that this matter was in dispute with the David Lloyd gym, who failed to acknowledge my offer to them.

 

I look forward to receiving the Court Claim which I will vigorously defend. I have already told the gym I will rely upon the precedents set in the High Court by Mr Justice Kitchin in his ruling and Penal Order made against Ashbourne Management Services Ltd in 2011.

 

If you choose not to issue proceedings but, instead, continue to made demands for payment, I will make a formal complaint about your actions to the OFT without further warning.

 

Your faithfully,

 

No need for Rec'd Del'y on this.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Replies 71
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

No, I'd just send the letter on it's own.

 

You have no need to deal with ARC or prove anything to them.

 

If they are serious about preparing a court claim, let them do it and we'll deal with that as necessary.

 

If they fail to take the action they have threatened, that will speak volumes in itself.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...

Received this on Friday from ARC.

 

"Please note that ARC (Europe) Ltd is a debt collection "agent", acting in good faith on the instructions received from a "disclosed" principal, namely David Lloyd Leisure. We are therefore authorised to write to you in connection with the above matter and to instruct solicitors in contemplation of Court Proceedings where we consider it appropiate to do so.

 

We have acted in accordance with our clients instructions and within current collection legislation and guidance. We reserve the right to produce our correspondence to any Tribunal, regulatory body or investigating authority to prove our compliance and good conduct in this matter.

 

We are instructed that our clients contracts have been checked for compliance, fairness and reasonableness. Our client confirmed thay have not had any contact from you or received an offer of payment.

 

We are instructed that you did not cancel your membership in accordance with the agreed T & C's as you are required to give notice to cancel. Please provide proof of cancellation in order for us to refer the matter back to our clent for further instructions. ie, a receipt from royal Mail confirming delivery of your notice to cancel or a letter/receipt from our client acknowledging your notice to cancel.

 

We are instructed that the above balance remains outstanding and must be paid in absence of your proof. I order to settle this matter our client is prepared to accept £261.19. Please be advised that this offer is made as a gestue of goodwill and on the condition that payment is received within the next 14 days."

 

*************

 

That is now the 6th figure I have been quoted to settle up. Me thinks the judge would laugh this out of court.

Edited by slick132
Put in paras so we can read it
Link to post
Share on other sites

Hi Von,

 

And there was us, expecting them to confirm court action was being taken because it's over 10 days from their last threat.

 

Ignore this completely - there's nothing you need add to what you've already told the gym and ARC.

 

Maybe the amounts differ because they are adding admin fees. :?:

 

You made a reasonable offer and the gym failed to accept it. If they want to take this to court, you have every chance of success.

 

Let them stew .............. :-D

Edited by slick132
typo

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks for replying to my PM.

 

You no longer have the m/ship agree't which I wanted to check.

 

If they persist with demands, I may ask you to request the agree't from the gym.

 

:-D

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Von,

 

Re your PM, you're absolutely right to ignore DL's text asking you to call a number urgently.

 

If they have anything to tell you, they'll have to write !!

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...

Received this today from ARC.

 

Despite our previous correspondence, we understand that the above balance remain outstanding. A County Court Claim has therefore been prepared against you and can be issued in the Northampton County Court.

 

If this matter is passed to our solicitors, our client will claim the following:

 

Debt Balance £311.19

Court Fee £30.00

Solicitors Costs £50.00

Annual Interest (to be adjusted pro rata £24.90

 

TOTAL £416.09

 

 

As you can see the issue of Court Proceedings will mean that the amount claimed by our client could increase by as much as £104.90

 

IF YOU IGNORE THIS LETTER WE MAY PASS THIS MATTER TO OUR SOLICITORS TO ISSUE THE CLAIM WITHOUT FURTHER NOTICE.

 

 

Martin Wicks (FCILEx) Chartered Legal Executive

Legal Manager ARC

 

**********************

 

 

The bullying and harassment continues.

Link to post
Share on other sites

Yawn...........

 

Issue court proceedings (which will be properly defended) or shut up !!

 

Just ignore............ :-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks Slick.

 

Was doing a bit of research online re Ashbourne M.S. and read a lot about the Watchdog case.

 

 

Me thinks that as they have been well and truly caught out on the 12 months plus contracts, their latest ploy is catching peeps out on the 3 month cancellation notice whic is their new money making exercise. (Along with twisting the rules for clients who have moved abroad, have injuries, etc.)

 

 

I have been round the block a few years and have dealt with dozens of businesses and utility companies - some good, some bad. I support the latter ones who have fair customer services where things can be easily sorted out with a phone call or letter - even when its a case of 'give and take' when disputing stuff. I have never come across a more horrible and aggressive company than DL and after reading about Ashbourne, I would recommend anyone to never touch them with a bargepole.

 

 

Von :-)

Link to post
Share on other sites

http://subrosa-blonde.blogspot.co.uk/2011/09/but-seriously-guest-post.htmlCame across this blog by chance and although it was written September 2011, users on here might find it useful. Please check out the legislation re County Courts and where you live - I am being threatened with Court in Northampton and I live in Preston. Its all threats, intimidation, bluffing and blustering from ARC to get law abiding peeps to pay.Hope the article helps. :o)
Link to post
Share on other sites

I drew a blank when I used the link.

 

Can you check it and link again, thanks.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hiya again,

 

I have been recently plagued with recorded messages from DL on both my moby and main phone for me to ring them - its being going on since Thursday or Friday, at least 2 calls a day apart from Sat & Sun. I also got a text this morning from ARC asking the same, for me to contact them.

 

 

 

Should I make an official complaint to OFT ASAP or write to ARC warning them and their client to stop making calls forthwith with the threat of complaint?

 

 

 

I obviously have ignored their messages but getting a tad cheesed off with their bullying methods. Me thinks they have run out of options and are trying the good old fashion phone methods. Especially in light of ARCs' Not so clever Trevor getting whacked for £75,000.

Link to post
Share on other sites

Write to the gym and copy to ARC saying:-

 

If you continue to plague me with repeated phone calls, a formal complaint for harassment will be lodged with the OFT.

 

ARC have already said that court proceedings will follow and I will defend such proceedings as necessary.

 

In the meantime, you must cease your campaign of calling.

 

I also reserve the right to take court action against DL seeking damages and costs for harassment.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Okey Dokey.

 

Above letter sent to DL head office via recorded delivery.

 

Copy not sent to ARC as I have formally complained to OFT today due to ARC phoning me on my main phone and moby today after specifically warning them via letter recently about future demands for payments and harassment. I did warn them. :violin:

Link to post
Share on other sites

If you want details of the OFT contact that I've been liaising with, let me know and I'll fwd to you by PM.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks Slick - I posted it off yesterday and listed the phone calls, letters, harassment in a clear and concise manner. I addressed it to Dear Sir/Madam but if you want to send me the name of your contact as it could be useful if they get in touch with me. I think that would be doubtful though due to the high volume of complaints OFT get though.

Link to post
Share on other sites

If it's already gone, leave it at that for now.

 

If they fail to acknowledge within 3 weeks, let me know and I'll send you the contact info to resend.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Hi Von,

 

In response to your PM, I've sent you the OFT contact details to file a complaint against DL and ARC for continued phone harassment when the matter remains in dispute.

 

Good to hear you're logging time and dates of all calls.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...