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    • Also I suggest you visit all of the treadmill pages on the sweatband.com website and download a copy of the page for each model and also download a copy of the instruction manual.   I suggest that you do this urgently For instance, I notice that this model https://www.sweatband.com/nordictrack-t8.9b-treadmill.html makes absolutely no references to garages on the website – but the manual at page 4, paragraph 5 is unequivocal that the treadmill must not be kept in the garage. It is expressed in far more restrictive terms than the warning which is given in the instruction manual for your model. Once again, because the instruction manual is not part of the contract, it's quite amazing that treadmill.com are completely silent on the issue of using the garage despite the very forbidding terms in the manual. I have to say this does make me slightly suspicious as to when the relevant passage for your model was added. However, we have no evidence.    
    • Clearscore Only uses data from Equifax.  Ideally you want to see all 3 reports i'd recommend checkmyfile.com 
    • Incidentally I would also stop posting around the Internet and make it clear that sweatband.com are attempting to avoid their statutory rights on the basis that treadmills should not be kept in garages. Do this on review sites – and any fitness forums et cetera. You may be surprised at the amount of support you get. Try to get contact details for anybody and also recommend that they come here
    • Sorry but I really don't understand why you haven't started taking action a lot earlier than this - unless you enjoy being the lead round by the nose.   You can either accept their gesture of goodwill or you could decide to go for the entire amount. I think you had better decide. If you want to sue them then make sure that you understand the steps involved in taking a small claim. It's very easy but you should read around a bit to make sure you understand the journey. Then send the letter of claim. I suggest that you draft a letter of claim and post a draft up here so we can have a look
    • That's great news...glad you got it all sorted...
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 1 reply
    • 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
      • 31 replies

Overdraft debt with Aktiv Capital


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Hi,

 

I am just starting out with all of this and I am finding it a little overwhelming

but I wonder if anyone can help me with a debt that I have. I was seriously ill etc

... and was made redundant on medical grounds in 2010.

 

I defaulted on my Lloyds TSB bank account which had an overdraft on it.

 

I now owe them £2282 and I pay £5 per month on a repayment plan.

 

I really want to sort out this debt and

 

the site team said to start a new thread.

 

They have said that I should possible just stop paying AK

but I am not sure what this means.

 

Can anybody help me figure a way out of this debt hell??

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Hi gilly. Can you post up as much info on this as you can? it is rare arrow deal with good debts, but we need to know the info so we can see if it would be enforceable or not.

 

ALso, did the banks charges put you in any kind of hardship? As you could have made a hardship complaint to them and get all the charges refunded

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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No problem, I can do that.

 

Do you want to see statements?

 

I was diagnosed in 2011 with a rare illness and I have medical evidence to support it.

 

I was also on benefits from October 2010 and I am pretty sure I have the paperwork to prove this as well, but I will need to check.

 

Please tell me what you need me to give you and I will look it all out.

 

Thank you so much for your help :)

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It means that they normally only buy debts off creditors where theres something wrong with the debt that stops the original owner chasing it. Thats not to say that ALL their debts are like that, but a sizeable majority are. Thats why we always recommend checking out the debt as much as possible before you enter into negotiations to pay it or even admit it's yours.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

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

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

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

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It means that they normally only buy debts off creditors where theres something wrong with the debt that stops the original owner chasing it. Thats not to say that ALL their debts are like that, but a sizeable majority are. Thats why we always recommend checking out the debt as much as possible before you enter into negotiations to pay it or even admit it's yours.

 

I think you would do well to understand the mechanics of debt sale and purchase a bit better. This whole 'there is something wrong with the debt line' isn't particularly accurate. Whilst I agree that debts should be investigated I think it's better to try and manage the expectations of what the likely outcome will be - especially in relation to overdrafts.

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I've removed the attachment as you name is showing on the first page.

 

however , the docs are of no real value sadly.

 

they just show the std OD usage interest etc

there appears to be no significant penalty fees

just a couple of £10 ones.

 

so i'm at a loss as to why they have sold it to be honest.

 

must be that they Lloyds have written it all off and reclaimed the tax.

 

due to your health issues and thus they can never see any real return.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, sorry I thought I had hidden all the information. Ok so nothing I can do about that one then? Just keep the £5 payment. I have been reading about the site and notice something about AP markers. Is there a chance that the longer this goes on they will put AP markers instead of DF on my CRA?

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you don't want AP

 

that's very bad they never go away

 

when does the default drop off?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

 

so i'm at a loss as to why they have sold it to be honest.

 

Banks and creditors generally have a policy to sell debts on once the debt has reached a certain age. They do it en-masse regardless of whether or not there is 'anything wrong with the debt' - it's a business decision, plain and simple.

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So is there a chance that I will get AP markers if this debt goes on?

 

I personally wouldn't think that would be very fair if so. If the debt has been sold on to a DCA it should only really do so once it has defaulted; and if that is the case then they shouldn't be prolonging your misery via the AP route.

 

Hope this makes sense.

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Thanks sequenci that helps a little. I am sitting here in tears at the moment because I just don't know how to get out of all of this. My life is on hold and I am very anxious about it all. How can I ever begin to repair my credit when I am in no position to clear the debt? We need a house as we are currently in a two bed flat with two children who are differnt sex and have reached an age where it is not appropriate for them to share a room. Also the continuing debt hanging over me is just killing me. I hate it, I have 5k of debt which isn't much but I just can't move forward in my life at all.

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