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    • Hi,   I've recently cancelled a direct debit with this gym and requested to cancel my gym membership but had gone through the same ordeal as previous users on this forum.   I was persistent enough (having read the forums) to have the staff at the gym terminate my membership on their system. See attached image for proof of documentation. Additionally, I have sent Harlands and the gym an email with the image informing them that gym membership has been terminated. I have been given reassurance that they CANNOT reverse the termination.    My question is: 1) Am I still expected to pay that extra 1 month of gym membership? (I was informed this was so, but I requested for an official documentation that states this policy via email without agreeing to pay) 2) Is the screenshot sufficient proof that the membership has been terminated? (date cancelled and time stamp are clearly stated)   Many thanks for the help!
    • Well If I pay British Gas £90 a month they’ll be paid off in about 17 months. That’s a long time but if it’s gunna effect my credit rating until November 2023 why bother paying it off early?    Ive worked out too the PDL default will be 6 years old on the 22/01/2020 so is there a point even doing anything with it? If it gets removed after 6 years does that mean I won’t have to pay it back?    Thanks  Andrew 
    • Minor developments:   a) Notification received that case has been referred to County Court at Chesterfield and we've to await the Judge's directions re allocation etc.    b) The letter I sent on 20th August to the agent (Lambert Smith Hampton) that manages the Berkeley Precinct and has its address on the board at the entrance, has been returned by the Royal Mail National Returns Centre, with a sticker saying the "addressee has gone away"!!   Don't they have an obligation to change the signage if they move, and why wouldn't such a large company have their mail re-directed?   The letter requested assistance in obtaining a copy of the contract between VCS and the landowner. I'm a bit mystified, but have found an additional address, so I could resend the letter and give it another try. 
    • urm.. FmoTl twaddle me thinks followed here
    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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Andyorch

BrightHouse ordered to pay back £15M to 249,000 customers found to have been treated unfairly

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Rent-to-own retailer BrightHouse has been told to pay £14.8m to 249,000 customers by the financial regulator, the Financial Conduct Authority (FCA).

BrightHouse will compensate customers who had cancelled agreements after one downpayment but had not been refunded.

It will also make payments to those who signed up to lending agreements that "may not have been affordable".

 

The FCA said BrightHouse had not acted as a "responsible lender".

 

 

http://www.bbc.co.uk/news/business-41732865


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BrightHouse to pay back £14.8m to customers - what you need to know

 

http://www.manchestereveningnews.co.uk/news/greater-manchester-news/brighthouse-refunds-compensation-customers-consumer-13803134#ICID=ios_MENNewsApp_AppShare_Click_Other

 

 

 

Another link to this here

 

 

Will be getting my pen n paper back out for this.


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Rent-to-own firm BrightHouse has agreed to pay back £14.8 million to 249,000 customers who were found to have been treated unfairly.

 

Some customers will have loans written off while others will get large amounts of money refunded following an investigation and ruling by the Financial Conduct Authority watchdog.

 

The inquiry dates back to 2014 and concluded that thousands of customers were tied into loan agreements they simply could not afford.

 

https://uk.finance.yahoo.com/news/brighthouse-pay-almost-15m-249000-mistreated-customers-100315524.html


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its odd.

15m to pay back.

yet, they are still in business profit. go figure. it pays to pay, at joes expense.


IMO

:-):rant:

 

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who pays, you pay. ipay (a new one there :))

what is the root of all this. it can be seen, or not, re the ghosts.

taxi, where's jonnycab :)


IMO

:-):rant:

 

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About time. They needed a spanking.


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£15m between 250000 customers averages around £60 per customer, cant yet see how loans will be written off or large amounts refunded with these figures but then i havent delved very deep yet.


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GEMHL Settled

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Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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quite. depending on the full circs, sometimes it pays to pay. :)


IMO

:-):rant:

 

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