Jump to content


  • Tweets

  • Posts

    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
  • 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 3960 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

  • Replies 71
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I received a letter from OFT confirming my complaint against ARC and I E mailed your contact yesterday. They posted back confirming that they cannot interfere with my dispute but want a copy of the telephone logs and letters I received from both companies.

 

No calls or letters from ARC or DL for a few days, btw.

 

Happy days! :-)

Link to post
Share on other sites

Received a letter from DL dated 25th Feb.

 

Thank you for your recent correspondence. I have enclosed your membership areement, terms& conditions, receipt of payment, cancellation letter and confirmation for cancellation.

 

You joined David Lloyd Chorley on 24.10.11 on A Health & Fitness Individual and joined on a special offer of 2 months free. You were then put onto the corporate membership as you worked for ****** and paid 602.90 (10 months on our annual corporate rate).

 

Your renewal was due on 1.11.12 We received your written cancellation on 30.11.12. Therefore your 3 months notice was required. We sent a letter out on 03.12.12 conforming your cancellation along with the balance of £241.18 required.*****(my forename), we have 4,00 members here at DL Chorley and we must be consistent with our terms & conditions.

 

If you would like to escalate this further, please write in to the General manager who is based at the club.

 

Kind regards,The Membership Team.***********************************************

 

Hmmmm, funny DL only reply when reported to OFT.

 

I cannot fathom the last sentence out, asking if I would like to 'escalate this further' Probably a typo.

 

No phone calls from the above or DL. Should I ignore, make another offer of 1 months membership or ask them to take me to court? Thanks in advance.

Edited by slick132
split into legible paragraphs
Link to post
Share on other sites

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.Can a person make a 2nd complaint to OFT to a company if they continue to harrass? Was just thinking about the last line. Yes, I have heard the term re escalate further before but I presumed we were near the top of the escalator with possible court action. Lol.Will send off the letter tomorrow to the General manager at my local gym and see what they say. They might have 4,000 members but how many are unhappy with being caught out re the 3 months cancellation notice and other issues? Me thinks loads.

Link to post
Share on other sites

Subbing (sorry can not use thread tools on my mobile)

 

Very interesting thread

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

Link to post
Share on other sites

Hi Von,

 

It's not really a second complaint - just an update of further action by the gym and/or admin company which you feel is unfair to you and that the OFT can note for their own purposes.

 

:-)

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

  • 3 weeks later...

Just received this from my local DL gym.

 

 

Thank you for your recent correspondence dated 5th March 2013. The contents have been noted.

 

As stated previous and as per your terms and conditions which were enclosed with the letter you received 25.02.13, the 3 month cancellation period will remain.

 

Your account will remain with ARC and you will have to deal with them directly.

 

Kind regards,

 

Richard Furlong,

General Manager.

 

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

They never give up, do they? I think they have no intention of taking me to court and hope that I will pay up eventually as they drag this out as long as they can. Even if it went further, the judge would laugh it out of court as I made 2 reasonable offers to the gym with one ignored, the High court decision in 2011 and the very recent OFT actions about unfair gym contracts would go heavily against them. Maybe I am mistaken, but it would be total madness for DL /ARC to take it further.

Link to post
Share on other sites

Hi Von,

 

In my opinion, no reply is required to this.

 

See what the delightful ARC come up with next ..................

 

: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

Yeah, thought that, Slick. Its funny how DL reply at the very end of the 14 day time limit. lol

 

Will post any ARC stuff and will keep a log of telephone calls - I will ask for names as well on phone and spell their name out as if writing it down. Maybe that might spook them a bit.

Link to post
Share on other sites

Hiya,

 

Just got letter from Scotscall dated 13th March addressed to my old house:

 

IMPORTANT NOTICE - IMPENDING DEBT COLLECTION VISIT

 

We have been authorised to recover from you the above debt which has been outstanding for some time. It is really important that you make paymment within 7 days from the date of this letter to avoid the matter being escalated to the next stage of the debt collection process which involves a home visit.

 

Should you choose to ignore this Notice, your case will be referred to one of our field based Debt Collectors who will visit you at the above address to agree repayment arrangements with you.

 

Yours sincerely,

Scotscall Limited.

 

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

Link to post
Share on other sites

Hi Von,

 

Are you certain this is about the DL m/ship.

 

I only ask because Scotcall are not normally used for gym debts.

 

Also, where would they have the old address from. How long ago did you move.

 

Depending on your replies, I'll advise on a response.

 

: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 Slick,

 

Yes, I am certain its DL - sorry, I should have put in my last post that the letter had "CREDITOR: DAVID LLOYD LEISURE You owe £311.19"

 

As discussed with yourself, I informed DL of my new address when I wrote to my local gym to offer 1 month to settle so DL hasn't properly briefed Snotcall. Or ARC probably.

 

I moved on 25th Feb and only got the letter today.

 

 

I have read other threads on SC on this site and apparently they are at the bottom of the food chain. Just to clarify - SC personnel are not bailiffs and I can refuse to speak to them if they eventually visit?

 

Thanks Slick

Link to post
Share on other sites

Reply to Scotcall saying :-

 

I refer to your letter of xxdate.

 

DL are aware of my new address as shown here above.

 

This matter is in clear dispute and, unless you want to be included in an official complaint to the OFT, you should cease making demands immediately.

 

If they turn up on your doorstep (unlikely), read this - http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

:-)

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,

 

Really feel good after reading the other threads about snotcall and the fact that ARC has given up, although I suspect that DL may have dropped them due to not so clever Trevor and the recent contract changes forced on them by OFT.

 

Another good thing is that no one has my landline number which is great - if SC ring on my moby I will add them as a contact and won't answer future calls.

 

Slick, I am beginning to worry about myself - I am beginning to enjoy this! :-D

 

Thanks very much for the help in the last few months - sincerely appreciated.

 

 

Von

Link to post
Share on other sites

Hi Von and you're v welcome.

 

I don't know yet if using Scotcall is a step further up the collection ladder (I suspect not) or simply another ploy by ARC to intimidate - hope you're not shaking in ya boots too much !! :wink:

 

I do think we'll be seeing a change in collection tactics following the OFT conduct agreement reached with Bannatynes, DL and Fitness First.

 

: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 an interesting letter from Scotcall last week - they have passed my account back to their client - ARC Europe! They also sent back my letter to them I sent a few weeks ago warning them to stop hassling me.

 

Its a real roundabout now! Are they frightened of me? Chickens. lol.

 

Not a sausage from ARC or DL - me thinks it has died a death.

 

Will update if there are any more developments.

Link to post
Share on other sites

Hi Von,

 

Not a sausage from ARC or DL - me thinks it has died a death.

 

I hope you haven't just jinxed yourself !! :wink:

 

You could still hear from ARC. :sad:

 

It ain't over, till the Fat Lady sings !! :lalala:

 

:-)

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

  • 5 weeks later...

Hi Von,

 

Long may the silence continue !!

 

:-)

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

  • 1 month later...

:tape2:

 

:pray2:

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...