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    • Hello,    I'm looking for some advice regarding my david lloyd membership,  I was a linked member to my now ex-partner's member unfortunately over the last lockdown our relationship broke down and we've gone our separate ways. To put it mildly we're not on friendly terms, he goes to the gym with his close friends and it would be a pretty hostile environment to be around.    He sent me a brief message just over a month ago to say that I was no longer a member and basically i'm not allowed to return once they'd re-opened. I'd left it at that and rejoined a new gym.    Anyway, i've now received an email staying I have unpaid fees and need to make a payment and they've set me up as stand alone member - i've tried to speak to someone but apparently have to wait 3-5 days and i'm assuming they're now going to make me do the three months cancellation fee.    I can't afford to pay three months worth of membership for a gym i'm not going to go to. From reading some of the other conversations it looks like DL can be pretty brutal and not really have any empathy and i'll soon get a letter from a debt agency if i don't comply. What would be the best way forward? I'd rather offer a resolution then ignore and worry for a few months.     
    • 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!
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Existing fault with second hand car***Resoved and full refund of costs***

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Looking for some advice please.


I bought a second hand car just under six months ago, it is on HP.

I also took out an aftermarket warranty with Warranty Direct.

The dealer gave a 3 month warranty but I know the company they use are rubbish so I decided to get my own.


A few weeks ago it broke down.

Had it towed to my local garage (didn't take it back to where I bought it as its quite a way from where I live and they have any proper workshop facilities).


To cut a long story short the engine has been stripped right down, and the diagnosis is seized oil control rings.

Warranty Direct sent an engineer out who has reported back to them ( I am getting a copy of his report) and they have refused to pay out as in his opinion the fault has been present since before I bought the vehicle and has just got worse over the time I've owned it.


The car only has 77000 on the clock and has a full service history so no one had expected an engine of that age to have this fault.

I'm now left looking at at £1300+ bill.


Given that I have something in writing to say that the fault was present when I bought the car do I have a claim against the dealer and/or finance company? And if so how should I proceed?


Thanks for any help

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What type of finance it is, HP or loan ?


What were the circumstances of the car breaking down and why did it have to be towed ?

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The rac forum members don't seem to rate warranty direct at all




Lots of bad feedback on trustpilot - but more good

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips


£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.


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isn't worth the paper written on

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I don't and never have rated car warranties, they are designed to make a prospective buyer more likely to purchase because he will feel reassured.

It should be the other way around, if a warranty is offered, treat it as all's not right with the car.


I'm afraid in this case, and probably the first for many many years, the warranty company are right to dismiss the claim. This is not a breakdown,

gumming of the oil control ring is a slow gradual process usually brought about by cheap supermarket petrol or cheap engine oil or both.


Having taken someone elses car, (belongs to the finance company), and had the engine stripped down without permission is also a no no.

Your first port of call should have been the finance company and the correspondence copied to the seller.


You have done this all wrong I'm afraid and I can't see either the finance company, the warranty company nor the seller bearing any responsibility for this.


Edited to add: It doesn't take a stripdown to diagnose or treat gummed rings.

Edited by Conniff
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But the car had to be stripped (at the request of the warranty comapny) to find out what the fault was.

I agree they are right to reject it as they clearly state pre-existing conditions are not covered.


I had no way of knowing there was a fault with the car until it stopped working, and then taking it back to the dealer wasn't an option as they are a long distance from where I live.


Given that I have an independant engineers report stating that it is a long term fault do you think I have no come back at all on the dealer under the Sale of Goods act?

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The car is owned by the finance company, they bought it and are only renting it to you. You should now contact them and see what they come up with, they might well help with a payment as a gesture of goodwill.


The problem is that the engine didn't need stripping down to diagnose the fault and there are a few cheap methods that could have been tried to cure the problem before such a big

thing as an engine strip.


What car is it, make and model ?

Edited by Conniff
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I've spoken to the finance company, they've opened a complaint and are going through the process.

They said that the car being worked on already complicated things but didn't say it was a massive stumbling block.


The problem with the strip down is that the garage did compression/leakdown tests and diagnosed faulty rings, correctly.


The warranty covers rings so they then requested the garage to strip the car to confirm the problem, and also said they wanted an engineers to visit and see the faulty parts.

At this point we all assumed they would cover the repair cost.


As it turns out the garage were correct in their diagnosis but it wasn't a broken ring, it was seized rings that caused it, something that couldn't be known until the pistons wee taken out.


Thats when the engineer decided, probably correctly, that it was a long term issue and wasn't covered.

Its a Ford Smax 2.0 petrol.

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The problem with the strip down is that the garage did compression/leakdown tests and diagnosed faulty rings, correctly.


Yes, but then instead of trying a £10 fix first, they went right into a strip down.

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Sorry, but I'm not too sure why were discussing warranties or any of the other stuff on this thread.


You've bought a car six months ago. That means that you bought it after October of last year. That means that it is subject to the Consumer Rights Act. Even though it is second-hand, you are entitled to buy a vehicle which is of satisfactory quality and remains that way for a reasonable period of time.


Consumer Rights Act section 9.


It is all down to the seller. It is the seller's responsibility. Because you have bought it using finance, then falls to the finance company.


I would send the finance company very stern letter saying that the car was sold to you in breach of the seller's obligations under section 9 and as they are the finance company, they are responsible and you are requiring them to have it repaired.


The finance company's remedy is against the seller.


The answer would have been the same even if the car had been bought before October of last year – except it would have been under the Sale of Goods Act section 14 which basically provides exactly the same consumer protection.

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The problem I see with that is the engine has been stripped down complete with piston removal and all that is visible are gummed oil control rings which isn't a breakdown.


No disrespect to you taximan, but unless they had witnessed the fault, it could just be having an overhaul, so I'm not sure they will want to take responsibility, they aren't obliged to foot the whole bill if any.

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  • 3 months later...

Just to update the thread, after a few emails going back and forth, a threat of legal action and an angry phone call to a 'manager', the finance company finally agreed liability and refunded me my full costs. A happy ending.

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Well done taximan...thread title amended to reflect the outcome.





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Just to update the thread, after a few emails going back and forth, a threat of legal action and an angry phone call to a 'manager', the finance company finally agreed liability and refunded me my full costs. A happy ending.


Quite right too. We have to remember that the finance companies, (not loan companies) buys the car and not the public.

If they don't want to send a rep out to check the car before handing over the money, that is their choice, one they can't later dump on the person named on the agreement.


Well done for getting angry with them.

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