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    • Hi, I have a long going issue with  Welcome finance now taken over by Coast Finance Solutions on 23/05/18. FSCS have on their website failed firms and Welcome Finance being one of them. They failed in 2/03/2011. I phoned FSCS what happens when a company fails/cease trading and stops altogether. They said everyone stops and leaves.   No one is in the office, no work takes place. Yet I don't know who has been ghostly charging me £254.64 every month from 3/12/13 to 12/6/18 PPI payment almost cleared the debt in 2018.  I am confused. Please help.
    • 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.
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I have serious problem with my private landlord which is causing me enormous stress

 

I should note I live in Scotland, but the laws are very similar in England.

 

If I start at the beginning.

I took this place 6 months ago, I was never given a contract or the landlords address, but I was desperate to find somewhere local to where I worked, so I took it. I know that was a mistake.

 

My rent as always been on time (proved by my bank statements)

 

Apart from the fact I am fairly confident in saying my landlord is not a registered landlord which is illegal and the place does not have an electric certificate which is also illegal.

I won’t waffle on why I know this but I am 99.9% sure I am right.

 

My main problem is I lost my job six weeks ago and am awaiting money (dwp) and looking for another job. I am only one month in arrears, but my landlord has told me to leave.

Well he has demanded.

 

He has done the following to date.

Threated by phone with demands to pay money.

Abusive txt messages saying he will come in and take my keys

Threated to cut my gas and electric off.

 

When I threatened to report him for harassment, he threatened to come to my home with his friends to ‘discuss the matter’.

 

I really don’t think he wants to ‘discuss the matter’, based on his previous interactions with me, that was a thinly veiled threat of violence.

Obviously whether this happens or not is beside the point now he is actually threatening me.

 

I’m scared and I can’t focus on job hunting because I don’t know what is going to happen next.

 

The problem I face is I can’t do anything.

I only have his bank details and mobile number

he refuses to give me his address (further evidence this is very dodgy)

I can’t report him if I don’t know where he lives.

 

All I do is sit here terrified in case the door opens.

I know if he comes here and removes my stuff by force I can ring the police.

 

But my biggest fear is if I go to an interview and come back and my stuff is on the streets and the locks are changed.

 

It’s all well and good saying he can’t do this but that doesn’t help me if I am homeless and my stuff is being stolen outside in the street.

 

I’m afraid to leave the house and because I don’t have his address details there is nothing I can do.

 

Please can someone help me, It’s actually not even a month’s rent in arrears. I feel so helpless and terrified.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Why havent you contacted the police yet? They can get the council to give you emergency accomodation.

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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Thanks for the quick response.

 

I haven't gone to the police yet becuase he hasn't actually done anything yet, most of threats have come from telephone conversations. I know what they will say.

 

I have spoken to the council, they cant help unless I am actually homeless, they did say that they can help if I have a written demand to leave or a letter from the court. Fat chance of my landlord going through legimate channels.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Report your concerns to the police anyway, hopefully they will give you a crime reference number, also contact shelter and ask there advice.

 

Again thanks, I will do that. I have already spoken with shelter they cant see me for at least a week. I suppose they are really busy. Is there anything else I can do? A week of worry and stress with no idea what could happen.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Again thanks, I will do that. I have already spoken with shelter they cant see me for at least a week. I suppose they are really busy. Is there anything else I can do? A week of worry and stress with no idea what could happen.

 

Can you ask a friend to flat sit while you are out and about, I would also take photos of inside and outside of the property including to the locks.

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Hi

 

Contact the Local Council Private Housing Department and inform them of your Landlord,your issue and what is presently happening.

 

While doing that ask if they could inspect the property due to the issues. (give them the bank account details you pay rent to)

 

Do you still have the threatening text messages on your phone?

 

I agree you need to report these threats not just to the Police but the Local Councils Anti Social Behaviour Team (check councils website)

 

Are you looking for somewhere else to move to?

 

Do you pay council tax in your rent?

 

Keep a written record of every single incident that happens and report it and log it you need to keep a good paper trail

 

Have a look at this link:

 

Housing and Property Chamber: https://www.housingandpropertychamber.scot/news/new-private-residential-tenancy

Incident Log-with form fields -----.pdf

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Just to point out protection against Harrassment and Illegal Eviction, comes under The Rent (Scotland) Act 1984

 

http://www.gov.scot/Publications/2006/08/08165212/0

 

http://www.gov.scot/Resource/Doc/207733/0055109.pdf

 

1977 protection from eviction act covers England and Wales only

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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If he isn't a licenced landlord your council need to know this too. As others have said, keep a diary of everything that happens. And get the police involved. You say you don't want to make the situation worse but you're scared to leave your home. That's already bad.

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