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    • We hear from three people who have started their own companies during the downturn in aviation. View the full article
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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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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.
       
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      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.
       
      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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Hi, this is my first time here and I really need some help/advice.

 

My partner claimed legal aid on the advice of his solicitor. Neither we nor the solicitor ever received an order granting legal aid but Rossendales immediately began sending letters requesting approx £7,500 to be paid in 3 monthly instalments (gulp!!). My partner arranged with his solicitor that he would pay the solicitor privately for a reduced amount.

 

Apparently, because the solicitor can make a claim against the legal aid fund, Rossendales will not close the file until the solicitor sends them a "letter of undertaking" stating that he will not claim against the fund. After 4 months we are at the stage where the courts have been informed that the offer of legal aid has been refused, the court, the solicitor and my partner have all informed Rossendales of this but Rossendales still refuse to accept anything other than "letter of undertaking" laid out in a prescribed format.

 

The solicitor states he has told Rossendales that legal aid has been refused and now he will not enter into any correspondence saying that any contract between my partner and Rossendales and the LSC is nothing to do with him. Rossendales HAVE put my partners file on hold so no enforcement action at the moment, and they are writing to the solicitor.

 

Meanwhile, my partner has dispensed with the solicitors services due to his complete lack of help on the matter and the solicitor is requesting his fees immediately. My partner feels as though he is "stuck in the middle of" Rossendales and the solicitor with both demanding money and there is nobody to intervene on his behalf.

 

We have made a formal complaint to the solicitor who "rejects as frivolous" our complaints. The legal ombudsman is now starting an investigation but they suggest we should pay the solicitors fees now. Please don't think that we are trying to avoid paying as the solicitor has done the work but he is refusing to contact Rossendales who sooner or later will take enforcement action.

 

I have tried to find some way of contacting the LSC direct but their website seems to be for legal practioners. I have the feeling that the solicitor will start legal proceedings soon for his fees and I am at the end of my tether.

 

Thanks.

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I will try and find some help for you.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Can you please tell us a little more about the actual debt and enforcement.

 

Why did you need their services in the first place ?

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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There is something not quite right with what you say. Normally for these things legal aid has been granted and payments made to the issuing authority - usually your solicitor. If it is then found you were not due to claim etc then the monies can be claimed back.

 

If you are saying nothing was ever granted then it should be up to the Legal Services Commission to call Rossendales off and it is to them you should look for an explanation.

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Sorry for delay in replying and tomorrow I may be without internet access due to changing supplier.

 

To citizenB - Legal aid was applied for and presumably granted but we never received anything form the LSC. The first notification we had was when Rossendales sent a letter saying they were contracted to act on behalf of the LSC to recover the contribution due from the my partner (£7,500 approx in 3 monthly instalments). At that point it was agreed with the solicitor that we would pay him privately and that the offer of legal aid was to be rejected. Obviously, when Rossendales did not receive the notification from the solicitor they continued to chase the first installment and then sent a letter stating we had 7 days to pay or they would take enforcement action. Thye now have the file on hold while thye try to make the solicitor send them a letter.

 

To ploddertom - I feel we may be at crosspurposes here. I understand that the solicitor can claim from the legal aid fund for his fees but the LSC want my partner to make a contribution towards the costs (£7,500) which is to be paid to the LSC. The LSC use Rossendales to collect these contributions. I would like to contact the LSC direct, explain the situation so they can either tell Rossendales to close the file or make the solicitor give Rossendales what they want so they can close the file but I cannot find anywhere where Joe Public can contact the LSC. Any contact details appear to be only for solicitors to contact the LSC so I was hoping that somebody on this site would be able to point me in the right direction re how to contact the LSC.

 

In the meantime, the legal Ombudsman has contacted me and appear to be incapable of understanding a word I have said and they have never heard of Rossendales _ I wish I hadn't either.

 

Thanks

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If the solicitor is at the end of the day, the only person who can stop this fiasco and he is being obstructive/uncooperative then a complaint to the SRA might well give him the prod he clearly needs....always worth getting in touch with them, I have found them very helpful in the past.

 

WD

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Thanks for your advice re the SRA. I have just been looking at their website and I will certainly contact them. A poster on a different thread has the contact details for the LSC so I will contact them also.

 

Thank you to everyone who replied.

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