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    • I don't have any doubts but that if they have breach the contract then they must leave you in the position that you would have been if the breach hadn't occurred. This means that the very least that you shouldn't be out of pocket at all – and in fact if you incurred extra losses having to remedy their breach – by making other arrangements then I think you should be entitled to this as well.
    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
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TMR2

Xercise4Less complaint not satisfactorily resolved,

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Hi,

 

I suffered a change in circumstances leading to a significant drop with my salary.

 

I was unable to honour my direct debit to Harlands to cover my gym membership for Xercise4Less so cancelled it without giving them any notice.

 

I find out later that they charged me a £25 admin free as per their terms and conditions.

The T&Cs mentioned were news to me as not aware of any.

None were presented at the time I took my membership out, and all I signed was the direct debit mandate to authorise them to deduct £9.99 on a monthly basis.

 

I eventually found the T&Cs in the acknowledgement email from Harlands, but they were hidden within the DD instruction and mandate so I missed them.

 

Also the principle term states that this agreement will commence once signed by both parties - neither party has signed and Harlands/X4L didn't seek a signature.

 

Due to the too'ing and fro'ing, misinformation, adding charges willy nilly, they are now saying the balance is now £171.74.

 

I sent Harlands a letter offering £13.99 to cover membership costs between 2nd May and 12th June (based on Slick's template on this forum - thank you), but this has now lapsed and no further contact has been received from Harlands.

 

I've gone through the complaints procedure with X4L, and not received a satisfactory reply.

 

X4L are insisting that I pay £34.99 to cover one months gym membership and an admin charge (this has been dropped from £171.74).

 

My argument is the t&cs weren't agreed and I should pay nothing as I haven't received anything that I haven't paid for although I did offer to pay £13.99, and .

 

The next course of action I was going to take, was to raise a complaint with the relevant ombudsman, but can't find who the relevant ombudsman is.

 

Does anyone on this forum know who the relevant ombudsman is?

 

If there is no relevant ombudsman,

what is my best cause of action?

 

Thanks, in anticipation

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Ignore now


please don't hit Quote...just type we know what we said earlier..

 

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Agreed, nothing to do but ignore them.

 

There is sweet FA that they can ever do.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi TMR and welcome to CAG

 

If Harlands took any admin fee using your DD, you should reclaim it citing the DD Guarantee Scheme direct with your bank. You need only tell the bank the DD included fees you did not agree to.

 

The bank should refund without question.

 

Other threads here will tell you Harlands need to be ignored mostly.

 

:-)


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Thanks for your advice guys. Am holding my nerve and ignoring them :-)

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did you get your moneyback?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Hi dx

 

No money to get back as cancelled DD before this all started.

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you can still do a dd guarantee reclaim if they took that £25 off you

go read post 4


please don't hit Quote...just type we know what we said earlier..

 

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Thanks for replying. No admin fee was taken by DD - I cancelled the DD at the beginning of this palaver.

 

Sorry, must not have been clear in my original post.

 

I cancelled my DD when I knew I couldn't honour my normal payment due at the beginning of May

- I didn't want to be slapped with a bank charge by my bank

 

. Harlands then put my account in arrears for the original £9.99 and an admin charge of £25, and then they just kept adding charges for the fun of it, none of which I have paid, so no reclaim necessary.

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Then as post 2


please don't hit Quote...just type we know what we said earlier..

 

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