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    • Its a common wheeze to put a no parking outside opening hours on KFC and other places like cinema complexws with fast food outlets, The original planning permission doesn't permit such stuff quite often,
    • Good afternoon.   I am a member of Anytime Fitness on a rolling-monthly contract.   In March 2021, my home gym (Aldgate) sent an e-mail asking members to continue paying, freeze, or cancel their membership. If you didn't reply they would automatically keep taking payments.   Me (being naive and stupid), didn't reply to their email. My £40 a month D/D payments continued. These would be reduced to 50% once gyms opened again. I paid 100% (£40) Apr, May, Jun, Jul, and 50% (£20) in Aug, Sep, Oct.   I DID attend the gym July - October, so I am owed 3 'half-months' and around a week (from July) of payments from Aldgate.   My home gym then switched to Lewisham in November by default as I had visited that gym more. Lewisham charged me the 50% for Nov, Dec, Jan, Feb, Mar, and this went back up to 100% (£40) in April.   Again I DID attend Lewisham in Nov and Dec outside of restrictions. I have also attended the gym this month. Therefore I have overpaid them by at least a month, plus the latter part of December. It gets even more confusing as their basic membership fee is £24.95.   Aldgate will not refund me, nor will they transfer what I essentially overpaid to Lewisham, despite the gym being one-brand it is ran by a different franchisee. Lewisham are not so quick at replying to e-mails. They said I can talk to their management when I next visit, but I want to keep everything written (even if it is electronically) for now. I am however going in there tomorrow to give them a piece of my mind.    Anytime Fitness don't have a central 'complaints/info' e-mail, they essentially just push you off to the individual clubs.   Should I just try claiming a refund though my bank? All payments are made to a company called Clubwise, which I am told is a membership payment system that all ATF gyms use.   Many thanks.  
    • Hi all,   I'll try and summarise this mess briefly.   I have approximately £45,000 in credit card debt from the UK. I moved abroad a number of years ago (outside of EU). Up until now I was making minimum repayments, and had never missed a payment. It's got to a point where I can no longer continue making the payments, and I never told them of my address change (the address listed is my last UK address, which is my parent's home). I was basically using one of the cards with money available to pay off the other minimum payments using Revolut, and now of course i've run out of money. I have no spare money available, nor anyone that can help, so I believe my only choice of action is to stop paying. My CC accounts are with Lloyds Group, Tesco & HSBC.   From asking a different forum, my understanding is that if I do not intend to make payments I should cancel the direct debits first of all, then eventually all the accounts will default. I also was recommended to send letters with proof of postage to the creditors regarding my address change so they don't hound my parents, and have my correct contact info. I managed to find the address to use for Lloyds & Tesco, but I cannot find a postal address for HSBC anywhere. Is anyone able to help me with that please?   To answer some questions, I don't plan to return to the UK anytime soon. I don't have any assets in the UK, my bank account that had the direct debits is not connected to the creditors, does not have an overdraft, and the only money that was in there was to cover the payments. Also, I've been out of the country longer than the amount of time bankruptcy would be an option. I'm not particularly proud of what i'm doing, but feel like the only option is to have a fresh start from the worry of my UK debts.   Does anyone have any advice, or suggestions on my plan, and if i've missed anything? When the phone calls/letters/emails start should I respond/respond in a particular way/ignore? I guess at this stage without missed payments, this month will be the 1st time anything is noted, so i'm not sure when the messages will start.   Thanks for your time.
    • But I was fighting this claim thanks to you lot and your help last year. I genuinely don't know what happened to the court papers or the LBA that preceded it, and can only assume that it defaulted due to my having returned one envelope unopened back to ELMS Legal that maybe contained the LBA etc. A costly lesson although I'm inclined to just ignore it and swallow the CCJ for 6 years rather than give them a penny!
    • thats the defence you would have filed had they not scammed you by purposefully getting a backdoor ccj to an old address, when 1 min free search of your credit file they could have found your correct address for the date they filed the claim,    and thats what you will put on your N244
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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.
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Very - Defective iPad - What are my rights***Full Refund***

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Hi there,



I am in need of advice.



We bought our daughter an iPad Air from Very on 7th Dec 2013 for £399. In November of this year it stopped working and we took it to Apple who diagnosed a hardware fault and not an operator induced error. He even comment to how good the iPad still looked!



We went back to Very at the end of November and asked them to sort it under the SOGA as Apple stated that this was good for 2 years. Very originally agreed to a refund minus a 20% usage fee! This has now been on going for 4 weeks and we still have had no resolution.



Yesterday they have now stated that the usage fee is £159! Very will only refund £239 into the account but they have already added £159 usage fee tot he account....:-(



What can I ask for, as all I want is a replacement. I feel that we are being pushed from pillar to post and have made no progress after 10 phones calls and multiple emails.



Any help appreciated.




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Saga lasts for 6 years. If apple confirmed that is was fault, then they should give a like for like replacement. If its an old ipad, then they have to take into account depreciation on older models, plus usage.


You also need to STAY off the phone. Retailers will say anything over the phone and not confirm it in writing.

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..



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Hi there,



Thanks for the reply.



It is an Ipad Air and they still stock it but now at £319. We paid £399. I have a written report from Apple

stating its a hardware fault and not down to user mistreatment.



Can I claim for a direct replacement?



Very seem to want to give us the new price (£319), minus usage, which was 20%, but now seems to be £159!. All I want is to get another as my daughter is going stir crazy lol....



Not sure what I am entitled too.




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Inherent hardware fault confirmed by apple. Retailers job to either send it off for repairs, or issue a full like for like replacement.

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


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You might also want to have another word with Apple and advise that one of their stockists is destroying the reputation of their products ! (in writing)

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Could also start legal action if you wanted. You have confirmed Info from Apple that it's a hardware error so the retailer has no roomto make excuses

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..



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It looks like they dont want to replace the item as this will cause them to make a loss on an item with low margins so they are trying to trick you into acceptiang a refund instead. having tacitly agreed to this they are now trying to stiff you so they can still come up trumps over the whole deal.

When you paid was it as a lump sum or are they going to refund you the interest paid on the capital that you have been shelling out? Put it all in writing and see what they have to say the second time round. Let them know that you will be happy to use the courts to decide on whose sums are best and that you just want a working ipad at the end of the day so would happily accept a guaranteed refurbished one. They wont have any so may well jsut send out another rather than risk losing money in an unwinnable battle.

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Thanks for your replies.



You are right, all I really want is a replacement as my daughter is going stir-crazy.


This was sent to them on 24th December and if no resolution is found then I intend to go for a legal challenge.



Thank you for your email.

I DO NOT accept your new proposal and I want an explanation to why you have charged a £159 usage fee to my account AND also removed the £159 from the original price of the item.

This has basically doubled the usage charge! I do not accept this and have no intention of accepting this or paying the charge.

Your original proposal, for which I have emails, was to credit my account with £319.20 which was the original price minus a 20% usage fee. This was proposed 3 weeks ago and still no action has

been taken dispite numerous phone calls and emails, all of which have been logged.

I am getting fed up with the unprofessional attitude of this catalogue and this matter must be concluded within 14 days or I will have no option other than to take matters further.

I would like the £159 charge removed, the £319.20 credited to my account and this matter RESOLVED as per your original emails and calls.

My daughter has been without her item for several months now and with no resolution in sight.






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  • 1 month later...

Quick update, sorry for the delay.



After the last email VERY have now refunded the whole £399! So now we re going to buy a replacement from Apple so

that we can go into our local Apple store and get help/service if required.



Thanks for all the help and comments.




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Good news and well done bagpuss22


Thread title amended to reflect the outcome.





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