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    • Gas is not credit so no requirement for an agreement nor DN Cabot -' settled debts dont get sold on...    
    • Hi all,   I would appreciate some help with a default date.   I took out an Egg credit card on 10/01/2005. I missed payments and eventually it defaulted but I do not remember when. But, my credit file says it defaulted on 02/11/2015 and it says it’s Arrow Global now. I contacted Arrow to enquire about the default date because I don’t remember having the card for as long as 11 years. Arrow say they purchased the account on 21/12/2014.   I also put in a CCA request with Arrow but they say they have no documents from the original creditor i.e. Egg and nothing themselves. I've asked for a notice of assignment which apparently is on its way to me since the last month or so and apparently I made a payment of £10 on 7th April 2016 but I don't remember this so I've checked my bank accounts and nothing left my bank accounts on or near this date.   So strange, something isn't right.   I am also confused how the default date can be after the purchase date as from what I understand, Egg would have had to default the account before a DCA could purchase it? Or am I wrong?!   Would appreciate any advice and information!   Thanks, Jdip
    • had courtesy car since 20th jan, she had a Vauxhall corsa 2010..the hire car is a 2018 corsa. i have told her to give it back to them
    • Work out the cost to date.  How many days hire so far ?   What car did your Sister have that was written off ?   Is the hire car similar to your Sisters car ?   These credit hire companies are just trying to make money providing expensive hire cars.
    • For sure, It's just that waiting on that is taking a long time and i've had one bank end their relationship with me over it after I applied for a planned overdraft, Thanks for your advice anyway!
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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
      • 33 replies

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Hi Ozy,

 

If you haven't done so already, CANCEL the DD mandate to Harlands via your bank immediately.

 

They've already shown that they could not be trusted to take the correct amount from your bank. Also, once they see you've had the DD's refunded, they'd be trying to take extra admin fees on top of the monthly fees.

 

Keep us posted ...........

 

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  • 2 weeks later...

Hi Slick

 

First communication from the club, this was emailed to me.

 

 

Thank you for being a member of Anytime Fitness.

 

You may not be aware but* your account is currently in arrears by £24.99. It is highly important that you contact the Club as soon as possible so we can rectify this for you.*Please do not ignore this letter.

 

If any of the team can help you make better use of your membership, please don't hesitate to ask for assistance.

 

May I remind you, as per the terms and conditions of your membership, you must remain a member at the club until your commitment end date of **/**/2017.

 

Yours sincerely

 

Membership Admin Team

Anytime Fitness

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Hi Ozy,

 

I suggest a reply :-

 

Dear Anytime Fitness,

 

I refer to your email of xxdate.

 

My DD mandate has been cancelled because you failed to use it properly, to take the correct amount, on 2 occasions.

 

I have not used the gym since xxdate and do not intend to do so again.

 

Yours faithfully,

 

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Yup, that'll do fine for now.

 

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  • 3 weeks later...

HI Slick

 

I haven't had anothing back other than an email saying they have reinstated the direct debit which they have done without my approval, I've had to cancel this again with my bank, I can't see any funds taken yet.

 

Are they allowed to do this?

 

Thanks

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Hi Ozy,

 

If you cancelled the DD via your bank, there's NOTHING they can do to reinstate it.

 

Please tell us exactly what they said about reinstating the DD in their email to you.

 

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Hi Slick,

 

The bulk of the message is below, I cancelled this from my bank, but during this I was switching banks as well so cancelled it again from the new bank on the 5th April. I got the email below yesterday 20th and today the DD was there again, I've cancelled it straight when I saw it.

 

 

Notification of*Reinstated Direct Debit Instruction re

*Anytime Fitness

 

Dear*ozy

 

I am writing to advise that as from*20/04/2016*your Direct Debit under the reference below has been reinstated:

 

*Account Name: ozy *Account Number: *xxxx *Bank Sort Code: *xxxxxx *Service User*Number: *xxxx*Reference Number: *xxxx

 

Payment Schedule:

 

Collect debits of £xx.xx on day 1, each month from*May 2016 until further notice. The debit will be collected on or immediately after the date specified.

 

*

 

Yours sincerely

 

 

The Direct Debit Guarantee**********************************************************************************************************************************************

 

This Guarantee is offered by all Banks and Building Societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit ClubWise Software Ltd will notify you 5 working days in advance of your account being debited or as otherwise agreed. If you request ClubWise Software Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request If an error is made in the payment of your Direct Debit by ClubWise Software Ltd or your Bank or Building Society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund that you are not entitled to you must pay it back when ClubWise Software Ltd asks you to. You can cancel a Direct Debit at any time by simply contacting your Bank or Building Society. Written confirmation may also be required Please also notify us.

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Hi Ozy,

 

I guess the gym wrote about the DD being reinstated because the new bank had done this.

 

Good that you spotted it and cancelled it but keep a watch on this over the next 2 weeks to ensure nothing further happens via the bank.

 

Meanwhile, wait to see if the gym replies to your email in post #29 above.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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