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    • Hi,   I've recently cancelled a direct debit with this gym and requested to cancel my gym membership but had gone through the same ordeal as previous users on this forum.   I was persistent enough (having read the forums) to have the staff at the gym terminate my membership on their system. See attached image for proof of documentation. Additionally, I have sent Harlands and the gym an email with the image informing them that gym membership has been terminated. I have been given reassurance that they CANNOT reverse the termination.    My question is: 1) Am I still expected to pay that extra 1 month of gym membership? (I was informed this was so, but I requested for an official documentation that states this policy via email without agreeing to pay) 2) Is the screenshot sufficient proof that the membership has been terminated? (date cancelled and time stamp are clearly stated)   Many thanks for the help!
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    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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Hi All,

 

I am going in for the PPI fight, I will track my progress and hopefully successful outcomes here.

 

I have had loads of loans and Credit Cards over the years, in fact so many that I can't remember them all, I have written a list and will try put them in some order for SARs and then hopefully get some advice from you guys as to which to go after 1st. I am doubtful how many will come up as being mis sold though as I recall saying no to protection insurance on most occasions, but you never know.

 

My List:

 

Mortgages

 

Natwest

Norwich & Peterborough

UCB

Intelligent Finance

 

Loans

 

Barclays

Natwest (2 or 3)

Prudential (EGG x2)

Secured Loan - GE Money

 

Credit Cards

 

Natwest

Barclaycard

EGG

HFC Banking - Marbles

 

Store Card

 

GE Capital (Debenhams)

Time Retail Finance (Dixons/Curries)

 

probably some more I forgot in the fog of time. Most of these will have been mid 1990s onwards so early ones may not be relevant.

 

Questions:

 

  1. Are any categories listed above unlikely to be persuable?
  2. Which is the easiest company to deal with?
  3. Which would you recommend going for first?
  4. Would you SAR all and wait for the information first?
  5. If I don't know Account Numbers etc will I just send name/address to parent company address?

 

Thanks in advance for any advice,

 

NCB

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one by one

sar is a must as the first move

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What do I do if I don't have the account details to hand?

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don't need them

sar is about details they have on you

 

 

not a problem

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What do I do if I don't have the account details to hand?

 

If you've moved since taking out the loans ect give them the address of where you were at the time you took them out.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Excellent, I will run some SARs out next week.

 

Once I get all the info I will need some help on exactly what to look for, but I am sure you guys have plenty of experience.

 

Thanks all so far

 

NCB

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Remember to check whether any are with the same banking group as one SAR should suffice afaik.

You'll get all the help you need when you return.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks maroondevo52, I am getting a little confused with 2x GE addresses, Ge Capital & GE Money look similar but seem to have lots of different companies listed and several different adresses.

 

I am using - Data Protection Public Register - ico.org.uk/esdwebpages/search - to look for the correct address and it is very helpful for the most part

 

GE MONEY gets the following result:

 

Total Records found 10

 

GE MONEY CONSUMER LENDING LTD

GE MONEY FINANCIAL SERVICES LTD

GE MONEY HOME FINANCE LTD

GE MONEY HOME LENDING LIMITED

GE MONEY LENDING SOLUTIONS LTD

GE MONEY MORTGAGES LIMITED

GE MONEY SECURED LOANS LIMITED

GE MONEY SERVICING LIMITED

SANTANDER CARDS UK LIMITED

Santander Consumer (UK) PLC

 

It was a secured loan, so I have gone for GE MONEY SECURED LOANS LIMITED

 

GE Capital comes up with the following,

 

Total Records found 24

 

GE CAPITAL BANK LIMITED

GE CAPITAL CORPORATION (CUMBERNAULD GP) LIMITED

GE CAPITAL CORPORATION (ESTATES) LIMITED

GE CAPITAL CORPORATION (FUNDING) LIMITED

GE CAPITAL CORPORATION (INVESTMENT PROPERTIES) LIMITED

GE CAPITAL CORPORATION (LEASING) LIMITED

GE CAPITAL CORPORATION (PROPERTIES) LIMITED

GE CAPITAL CORPORATION (PROPERTY COMPANY INVESTMENTS) LTD

GE CAPITAL CORPORATION (PROPERTY MANAGEMENT) LTD

GE CAPITAL CORPORATION (TRADING LP) LIMITED

GE CAPITAL EMEA SERVICES LIMITED

GE CAPITAL EQUIPMENT FINANCE HOLDINGS

GE CAPITAL EQUIPMENT FINANCE LTD

GE CAPITAL EUROPE LIMITED

GE CAPITAL FUNDING SERVICES LIMITED

GE CAPITAL GROUP SERVICES LIMITED

GE CAPITAL INVOICE FINANCE LIMITED

GE CAPITAL LIMITED

GE CAPITAL REAL ESTATE UK FINANCE HOLDINGS LIMITED

GE CAPITAL SOLUTIONS LIMITED

GE Ccapital Solutions Europe Ltd

GE COMMERCIAL FINANCE FLEET SERVICES LTD

SANTANDER CARDS UK LIMITED

Santander Consumer (UK) PLC

 

I have gone for GE CAPITAL BANK LIMITED for this as it seems more likely.

 

NCB

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if you've moved read the full sar thread first

inc a copy of your current ctax bill as proof of who/where you are now.

 

 

and sign the sar's

 

 

but never sign anything to do with a CCA request even the postal order


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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if you've moved read the full sar thread first

inc a copy of your current ctax bill as proof of who/where you are now.

 

 

and sign the sar's

 

 

but never sign anything to do with a CCA request even the postal order

 

I sure will dx, good advice as usual :)

 

NCB

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5 SARs in the post, should cover a minimum of 7 accounts and likely up to 9 :)

 

Lets see what comes back.

 

NCB

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?? you prob only needed one..they are all the same group/

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx,

 

If you check my initial list there are several different ones, HSBC, UCB, GE, etc

 

So what do I look for once everything arrives? Statement with PPI taken, is it as simple as seeing it listed in the T & Cs or something a little more subtle?

 

NCB

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You just need to establish if PPI was added the accounts. This will either show as a separate entry on the statements or if you are fortunate enough to receive copies of the loan agreements, it will show as a front loaded figure and identified on the agreement as such.

 

From the statements, you would need to complete one of our spread sheets - then download the complaint from the FOS website.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizenB :)

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5 SARs in the post, should cover a minimum of 7 accounts and likely up to 9 :)

 

Lets see what comes back.

 

NCB

 

 

sorry though you were meaning GE alone!

 

 

info on PPI calc is below

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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