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    • In fact I've just looked at the website of https://turo.com/gb/en and I see that it is not a normal car rental company. It is a car sharing company. This may make things a little bit more difficult. Contact your bank and start reclaiming the money as I have said – but maybe you can tell us a little bit about how the rental actually works.
    • First of all, it would be helpful if you didn't post your story the solid block of text. It's very difficult to read and it puts people off helping you. Properly spaced please.   You haven't told us how long you rented the car for. Presumably this money was taken using a prepayment method – such as a debit card or credit card. You should contact your bank immediately and begin a chargeback if it was a debit card.   You should write to the rental company and put them on notice that they are responsible for the condition of the car and they are obliged to let you have the car in a satisfactory condition and certainly roadworthy. If it had wheel nuts which were loose then clearly it was supplied to you in a dangerous condition. Tell them that you are beginning a process with your bank or credit card supplier to recover the money – but also you are considering suing them in the County Court. I suggest that this may well be where it is going to end up and I think that it is important for your own interest to act quickly and assertively. If you allow yourself to get drawn into any protracted discussion or if you allow yourself to be delayed in any way, you will lose control and you will had the advantage to the rental company  
    • Thanks. What should I put in the SAR to SLC? I've just looked at templates but they don't really relate.    I've found this one. Is it too harsh?   [Your name and full postal address] [Your contact number] [Your email address]   23 January 2021   Student Loans Company Limited 100 Bothwell Street Glasgow G2 7JD   Dear Sir or Madam   Subject access request   (removed - dx)   Yours faithfully,
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Personal Trainer - Fitness First ignored complaint sent me to debt agency

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I am a self employed Personal Trainer.

Last year I signed with Fitness First to work as a self emplyed trainer there, however I was not given what was promised in the contract and resigned.


I paid them 300£ in order to receive: business cards, uniforms, advertising materials, be in their system etc - after 2-3 weeks I still did not receive them and after repeteadly reminding them I wrote the gym manager I would like to quit my contract and that I am unstaisfied. He never got back to me and I assumed it was handeld as I only worked there for 2 weeks, which were suppose to be rent free.


However, they continued and try to take money of my account, but never mananged to. I called the headoffice and explained the situation, at first they did not even want to cancel my contract. However, after 30min on the phone they did but told me 1 would have to pay for the previous weeks and for the next month. Now they want over 600£ from me!!! I was shocked and wrote them a formal complaint, signed letter, explaining the situation that I have never received what was promised to me and I will not pay 600£ as the manager should have cancelled my contract or he should have told me I will need to do it another way than I did.


Yesterday I received a letter from CARS -1st time - telling me they have contacted me several times regarding the debt and now they want to me pay in full or they will take it to court or even worse bailiffs!!!

I have never received any letters from them before! And FF never replied to my complain where I asked for a fair solution and where I explained I did not receive what I have paid for.


What shall I do now?

I want to write an email to FF and ask them what this is all about.

But I also want to secure myself and complain somewhere else. Is there an organistation that can handle this complain?


Please help me...I just managed to set up my life again and now I have again problems with debts that I dont even believer are my fault.

I would agree to pay them a max of 150£ just so they leave me alon but not more as they absolutely did not keep their promise and now ignore me!

Thanks for the help :)

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This is a business dispute between you and FF. I would not think that this would be something that would appear on a personal credit record.


Recommend that you send copies of any dispute letters previously sent to FF to CARS, with a covering letter that you still totally dispute the matter they raise. Advise them that you would welcome FF to take this to court, where you would fully defend, as FF were the first to break the contract terms agreed.


This thread would be better in the CAG legal folder. You are really seeking legal advice here, rather than how to deal with CARS. If you want it moved, click on the triangle and ask for the site team to move the thread for you.

We could do with some help from you.



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Yesterday I received a letter from CARS -1st time - telling me they have contacted me several times regarding the debt and now they want to me pay in full or they will take it to court or even worse bailiffs!!!


Sounds a long way off for bailiffs they would have to do court first and win

If it got as far as bailiffs they will be acting with little powers to a residential address

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Ref: use theire



Sir/ Madam ,



I refer to your letter dated xx.xx.xx the contents of which have been noted.



I do not acknowledge any debt to CARS or its client.



Pease be aware this matter is the subject of a major dispute and any court action will be rigorously defended.



For clarification and the avoidance of misunderstanding please take not of the following points.,



1. I have never been contacted by CARS before I received the letter referenced above.



2. I have paid Fitness First the sum of £300.00 for business materials to be used within their system, these have never been provided.



3. This payment has never been refunded.



4. I consider that Fitness First has failed to keep its part of the agreement and it is therefore null and void.



5. I do not therefore owe any debt to Fitness First.



6. I suggest CARS returns the file on this matter to its client forthwith as I will not make any payment.



Get that of to them recorded signed for post check receipt.



Then a Formal Complaint to FF head office demanding your back immediately.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Does anybody know if there is some chance of complaining to some organisation about Fitness First if they do not communicate or come to a fair solution?

Somebody overlooking matter like this?

Something like an ombudsman?



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Hi dankar,

Please give them time to reply 5 days is insufficient, the reply will decide the next course of action.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I did wonder if this was another thread opened about the same issue, best to stick to the same thread.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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