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    • Did you pay the seller direct or amazon ?     
    • Hi,   I'm sorry to add to the deluge of gym issue that are already here but I was hoping for some advice on my situation.   I have had my gym membership payments frozen over lockdown, and when they reopened again in July I opted to continue to freeze mine for a further three months.  I'm not sure about others but I just don't have trust in the general populous (or rather the people I've seen use that gym) to do their share to keep things clean and Covid free (despite an email today telling me that they give me 'the strongest assurance' that it is being well cleaned - frankly, there is no reassurance they could give me I don't want to catch this life changing / life threatening virus).   So, they've told me I have to give 28 days notice - something I find very disagreeable given the climate.  I've even asked if they could just freeze my account for a further six months or so - in the hopes I'll feel safer at the end of that time.  I don't particularly want to quit the gym, I just don't want to spend a monthly fee on something I'm not going to use.  They unfortunately will not freeze.   I've seen people mention on here to just cancel the direct debit and ignore their threats of court action and it being passed on to a collection agency, and that they are in turn powerless and I won't be taken to court ('gyms won't take you to court' I've seen posted on here but it's easy to say, a lot harder to take the plunge and keep fobbing them off in the hopes they'll eventually go away).   I just wondered where I stand and what you would recommend as the best course of action.  It's not a massive sum of money, but with my partner losing their gig over the lockdown, every penny counts at the moment.   I'm quite infuriated about their stance of wanting to charge me a months notice, when they could just freeze and keep my continued membership after that freeze period (which should be worth more money to them in the long run).  I've been a member with them for years so to be treated like this is even further annoying.   Thanks in advance for any help, and I hope you are all keeping self and well,   Sam
    • I paid via Visa Debit card. What will i have to do get a chargeback....
    • Hi and Welcome to the Forum.   How did you make payment ...credit card  or debit card ? consider issuing a section 75 claim if CC or chargeback if debit card.   Andy
    • UK aerospace will lose out to rivals without a deal on the mutual recognition of parts, says industry body. View the full article
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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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    • 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.
      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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Good morning, I need some help and advice. I took out two loans before Christmas, one with Quick Quid for £300 and one with Lending Stream for £400.

I have paid one payment back to Quick Quid of £44 and I have paid two payments to LS - £153 and £212 but there is still a balance of over £400 outstanding. I am currently signed off sick from work and awaiting an operation so I am on SSP. I cannot afford to repay at the rate they want - the next LS payment due is for over £200!! I contacted my bank yesterday and cancelled the CPA. They told me that if either company took any money from my account it would be refunded within 48 hours. What else do I need to do now? I have not contacted the companies yet. I know that realistically I need to offer them at least something but I am worried that they will not accept my offer. I have been advised that I can claim Housing Benefit and Council Tax Reduction to help me over the next few weeks but I still will only be able to afford a maximum of £10 per month to each company. I would be grateful for any help and advice on the proper way to deal with this as painlessly as possible. With many thanks.

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I appreciate that it is personnel info, you can provide the sick note if you'd prefer. Still give them a ring, ask to speak with whomever deals with customers facing financial issues and explain whats happening, I suspect QQ and Lending Stream will be quite understanding and offer to take minimal payment for a while, while you get back on your feet, you are after all offering to make payment even if its a smaller amount than expect.


In the mean time, don't borrow any more money, not only will it look like you're not being truthful with QQ/LS but it'll only end up looping back to you not being able to afford repaying it.

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I have absolutely no intention whatsoever of borrowing any more money!! It has to go down as the most stupid thing i have ever done in my life!! Obviously I had every intention of repaying and had I been entitled to company sick pay, may have been able to keep up, however I have not been there long enough so it is a case of getting ssp for the for-seeable future. I am signed off for another month as of yesterday and will need quite a lot of recovery time.

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I didn't mean to imply you might borrow more money, however from my own silly experience the temptation to make a "problem" go away by borrowing more ended up in a DMP for two year so far, something I'd rather no one else went through if they can avoid it.


It's good that you do want to repay and you are showing you want to make payment with the reduced amount. Hopefully once you are back on your feet again everything goes smoothly for you.

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It's ok...I know that wasn't what you were trying to say. It really was such a stupid thing to do and I deeply regret it as it has caused a great deal of distress at a time when I really don't need it. I just know that calling these companies is often problematic and I wondered if putting it in writing would be better? The bank told me that they would be informing the companies that the CPA had been stopped.

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In this case giving them a quick call would be the first step, if they refuse then a letter would be the best course of action. Stay calm and let them know whats going on, I really doubt they will refuse a payment during this time, if you are off for a whole month it should be in theory two months before you have a wage packet again.


Just as an aside have you considered using some holiday to at least boost what you have or have you had to drop out of work full stop?

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Hi, the first thing I did when dealing with pay day loan issue was to close by bank account, so they could not take money from my account and then I emailed each one of them, detailing my financial difficulty and asked them to freeze the interest on the loan to prevent further charges and I offered them a small amount every month. They agreed to this and after one year, I was pay day loan free. I had to deal with over 8 companies and they all agreed to this solution. Hopefully, this will help you in your current situation.

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