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    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
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suemo63

Disability Discrimination Act

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Hi not sure if this is in the right place but hope someone can advise me. I have had problems with vodafone and asked for a large print version of the complaints procedure last May. I thought that the act covers this as in as a service provider and I'm a service user they should oblige. I've kind if just received it last Tuesday but if I can want to take this further. They have no regard for people with sight problems, just state they will help. I'm registered blind. HELP if anyone can

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Does anyone know if you can challenge a company if they don't help with a matter when you have tried for 8 months to sort it. Large print version of the complaints procedure?

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Hi Suemo,

 

This is covered by the Equality Act since 2010. The document you need is :

 

 

 

Equality Act 2010 Code of Practice,

Services, public functions and associations,

Statutory Code of Practice

 

 

Chapter 7 is the one and it does contain examples about alternative formats.

 

 

What is the actual complaint?

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Hi I had issues since Nov 2012 with an ecruption problem their end with my card. To cut a long story short I sent emails and made phone calls but got know here. Anyway I asked for the procedure in large print. I even rang the supposed number for disabled people 33222 (from your mobile) last May. Spoke to a few people as no one knew how to get me one, even though they state they will. A man said he'd send one in May but it would take a few weeks.

I waited and waited, nothing. Tried again January and same thing again emails, phone calls and face booked to ask. Finally as I said I would take matter further they send one out. I want to see if this can be challenged as they state they can provide it but I have had an horrendous time and some really insulting people to deal with. Any suggestions?

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Well it sounds like the original complaint is not disability related, but the process of resolving it seems to have taken far too for reasons related to disability. It shows they either lacked alternative formats, or staff training issues.

 

 

When you say you want to take it further are you thinking as a disability issue, or your original complaint?

 

 

Taking the disability element forward I guess you would need to show that you have suffered 'substantial disadvantage' - i.e. not been able to resolve your original complaint. The process of getting to this point may yield some 'loss' but I guess if you have been treated badly it will be injury to feelings based? You will need all your records if you want to pursue it.

 

 

I should point out I am not a legal eagle and if you want to pursue this avenue you should get proper advice.

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:suemo63:

 

All the disability discrimination legislation has been replaced by the Equality Act 2010. I've no personal experience of using it, but the link below seems as good a place as any to start.

 

http://www.rnib.org.uk/livingwithsightloss/yourrights/equalityact/Pages/equality_act_toolkit_service_providers.aspx

 

Best wishes, Margaret. :panda:

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Hi sue

 

I think you'll need to pursue a complaint with Vodafone first, to demonstrate that they've had an opportunity to put matters right.

 

http://www.vodafone.co.uk/accessibility-services/

 

There is also a Vodafone rep on this site who can look into your complaint.

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Hi suemo63,

 

I'm sorry to read about your dissatisfaction with the level of service you've received.

 

So I can get the concerns you've raised looked into further, could you email me with your details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line?

 

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

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Does anyone know if you can challenge a company if they don't help with a matter when you have tried for 8 months to sort it. Large print version of the complaints procedure?

 

Yes you can. It is reasonable to expect an employer to provide a large print version of a complaints procedure to someone with impaired vision or to provide some form of magnified viewer to allow you to read the text. 8 months is too long. Make a complaint to your companies Human Resources department.


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Hi

There is also another option for employers and it doesn't cost that much.

 

A wireless mouse type image magnifier which you roll over a page and the magnified image is put on a TV or monitor screen. These cost around £75 and then your employer would not have to supply anything in large print


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