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    • A mobile phone mine while I was out watching the football with all the lads.
    • Hi,   Stumbled upon this website and I see the general advice is ignore CRS and that they can't do anything but thought I'd make my own post as I'm still anxious and don't want debt collectors to turn up at my parents home.   Facts: - Joined Xercise4less in June, 2017. I paid £11.99/m - Finished uni in July 2019, so I wanted to cancel membership as I was moving back home and the closest X4less gym would be 50miles away.  - I initially put in a freeze request (thinking it's to cancel). When I told my friend he said I need to fill in a different form to cancel the contract. - I was confused so I confirmed this with someone working at the gym. They explained even though my 12m contract has finished, in order to cancel the contract I would have to give 30 days notice using a form online and cancel my DD. - So I completed this online form that same week and canceled my DD a few days later.   * Fast-forward to 20th January 2020 *   - Received a letter (to my parents address) from CSR yesterday (20th). Asking me to pay £213.47 including their fee of £102.50. - I was at work when my parents send a pic of letter. Return address said HGC - a quick google search shows them as Hutchison Global Communications aka Three.  - What did I do next?  Since I didn't have the letter in front of me I asked my parents for the number & reference on the letter. - Then stupidly called CRS thinking its Three and it's regarding my recently cancelled phone contract.   What I told CRS on the phone: - When I found out it was about my cancelled gym contract I explained in detail several times how I correctly cancelled my contract back in July 2019 and I will not be paying the outstanding amount. I didn't even use the gym. I did say I may be open to paying the monthly fee. - Advisor said Harland got my freeze request but nothing else, no proof = you must pay or they will continue to purse me. He also said outstanding amount is not negotiable and me not using the gym is irrelevant. - I asked for Harlands contact details, CRS refused to give it to me because Harlands will not discuss this matter with me.   After 15mins of going around in circles, me explaining what happened and advisor saying I must pay, I finally I said I am not in the wrong here. I filled the form correctly, and it said 'submitted. If their system didn't receive my request it is not my fault and I cannot be held accountable for an error on their part. So I don't agree with the charges and will not pay it and ended the call.   Other info: - CRS said the charge of £213.47 is for membership from October 2019 - Dec 2019 + late fees + CRS fees. - Told the advisor I no longer live at the address they sent the letter to. He asked for new address and I refused to give this out, so they will add an additional £36ish for tracing my new address. - Apparently they sent several letter to my old address but I know they didn't because I still have friends living at that address who would have told me if anything addressed to me came through. - I believe the system didn't acknowledge my cancellation request since a freeze request was in place but that doesn't mean I owe them any money and definitely not £213.47.       Thanks in advance!      
    • Here are the above letters vanquis.compressed.pdf
    • This got me thinking. There are only 4 parking bays on the site. They charge 50p for 1 hour, £1.00 for 2 hours, £1.50 for  3 hours and £2.00 for 24 hours. Yes, £2 for 24 hours! How is this site profitable? Do parking companies run these types of sites with a business model that is focussed more on issuing PCNs that intimidate motorists who lack knowledge of the law into paying up?
    • Hearing of Boris' problems ringing Big Ben,  Jeremy K. Hunt; in an effort to ingratiate his way back into government; offered his services ....         He said he would offer to run the injured parties to hospital, as long as they had medical insurance  
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Hello fellow Caggers my question concerns PPI on an American Express credit card, does anyone know what this appeared as on the monthly statement?

I have some old statements from 2004 which states "Creditors Insurance Premium" could this be PPI? TIA

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CIP sounds about right for PPI - It was an insurance that could be used in the event that you were unable to keep up your payments...


 

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Thanks fkofilee I thought it most probably was, no point in asking Amex they said they have no records of me, lucky I have the member no. and old statements!

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Use the FCA/fos websites and forms

Don't just ring or write a simple letter

Nor use resolver


..

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Thank you dx100uk I was gonna move straight to SAR to find out exactly what they do have on file, on a seperate note the account was closed in 2007 and I have a letter stating my account at that time was £30 in credit for which I have never been paid, perhaps it will jog there memory when I show them the letter.

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amex is usually pretty good on sar,

but it might end with you sending copies of all stuff you have with you fos questionnaire


..

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Should I forward any copies of my paperwork to Amex first or wait for their final response and move straight to FOS?

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that's not what I said to do


..

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I just clicked on the FOS link which really doesn't paint a very good picture of them and now I am mindful that it said I will first of all need to have exhausted the banks process, TIA

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correct but you still use the fos questionnaire and send it to amex


..

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Thanks for the info really was the best idea joining CAG!

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Hello fellow Caggers just an update on my case of PPI with Amex,

 

my SAR paperwork arrived very comprehensive and all the way back to 2007,

Amex clearly stated I did not have PPI even though it appears on some old statements I already had.

 

The SAR also showed a negative balance for a small amount that goes back years and is still with AMEX.

 

I'm interested if anyone else has been in the same position and had a negative balance on an old card that has only just come to light.

TIA

Edited by dx100uk
spacing

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can you scan some examples up to ONE multipage pdf please

 

read upload


..

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Hi Guys, new to this! . Does anyone have further information regarding the Associates Credit card , and who to contact regarding mis-sold p.p.i. Thank You

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CITI Card Canadian square operations.

start your own thead please

 

a new thread


..

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Hi Caggers

I recently sent a SAR to AMEX chasing PPI I had with them,

 

when all the statements came back it also shows I have a small amount I must have overpaid to them back in 2004.

 

I don't use the card any more and have never had a cheque for the balance I'm owed,

 

they continued to send statements to my old address even though I gave them a new address.

 

Anyone else found themselves in the same situation? TIA

Edited by dx100uk
spacing

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Well if you overpaid them then you should claim it back. Was there any PPI?


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I will be claiming it back, are they liable for interest x 14 years?

There is a small amount i paid in PPI, they claim I never paid any although I can prove otherwise plus the excessive charges for late fees etc.

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As stated above, in respect of the overpayment you will only get eight percent.

 

In respect of PPI, you should be able to recover that plus interest +8%

in respect of the charges you should be able to recover them, plus interest +8%


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Thanks BankFodder/dx100uk I didn't know about the 8% statint so that's good, not as good as the 1.2% daily interest AMEX charge when you owe them lol. All up I could probably be asking them for couple hundred £, will keep you updated thanks.

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