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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Business or Consumer Contract?


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Hi,

 

I've had a look through the sub-forum lists and think this looks like the best place for me to post. Forgive me if this is incorrect and please move this thread to somewhere more suitable if that is the case.

 

I am a self-employed personal trainer and have signed a contract with a company (call it X) whereby they allow me to sell my training services in a gym (Y) that is part of a gym chain (Z) in exchange for a monthly fee from myself. This is a minimum 6 month contract.

 

Part of this contract states as one of the responsibilities of X that there will be no more than 1 personal trainer per 600 members in gym Y. There are less than 1000 members and I am actually the only trainer in a contract with X that is in gym Y. However, gym chain Z provides it's members with free 30 minute, 1-1 sessions with an employee of any of it's gyms including health checks, nutrition advice, motivation and a training programme. In gym Y I have watched those employees deliver these sessions and then book those clients in again for their next session later in the week.

 

As far as I am concerned (and also the gym members I would assume), those sessions ARE personal training sessions. They are also advertised online on the membership benefits webpage as "Free 1-1 personal training sessions". The director of X has been dismissing my complaints of this activity stating "that is not personal training".

 

So after detailing that long story (sorry) I have two questions:

 

-Is it within my rights to terminate this contract on the grounds of a breach on the behalf of X as the ratio of personal trainers to gym members is more than they stated?

 

- Would I be considered a consumer or a business in this contract? I signed it at home before sending it off and have signed it as myself (I have a LTD business but did not sign the contract under the name of the LTD business and the contract states my person as the 'licensee').

 

My reasoning behind the second question is that I have found some information regarding a cooling off period of 14 days as a consumer; the contract went live on July 1st and I have received an email from the director of X today (7th July) saying that he will get back to me in 7 days (I asked what my next steps would be to terminate the contract). I am wondering if I can simply step out of the contract right now under the cooling off period clause before this gets into a terminology war of what is and isn't "personal training".

 

Thanks in advance.

Reise

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Under the latest set of regulations which came into force on 13 June 2014, “consumer” means an individual acting for purposes which are wholly or mainly outside that individual’s trade, business, craft or profession.

 

As this is presumably your business I'd think you would be treated as a business and hence no cooling off period, unfortunately.

 

To know whether you can terminate the contract you would need to read the contract carefully. Many contracts of this nature require you to issue a formal notice and give the other side a chance to remedy the breach of contract before you are entitled to terminate. I would certainly keep pushing management though, surely it is in their interest to have a successful PT program?

 

It does sound very odd that they are booking clients on for sessions but yet these are apparently not PT sessions ...

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Thanks for the reply.

 

The definition of consumer there is very useful (albeit disappointing for me!). It just seemed strangely coincidental to me that the director said he would get back to me in 7 days, with the 7th day coinciding with day 14 of of the contract.

 

I will send them a letter notifying them of my termination request. Hopefully they will terminate is as an act of good will as I'm sure it's in their interest to avoid disgruntled 'licensees' representing them.

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