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    • I'm trying to work this out as I go along. The first thing to do is to think about this not as a car – but simply as a £value. This is especially so as you have said that it is not a rare BMW. This means that you could purchase another one and it would mean just the same to you. You bought the car for £16,000 – and presumably that was the value you gave to the insurance when you bought the policy – is that correct? If that is the value you gave to the insurer then on my understanding of these things, that is the maximum you would be entitled to claim. This is the amount you got so although you lost the car (£16,000), it was fully replaced by the payment of £16,000 – minus, of course, the excess – but that was part of the deal anyway. I've looked at the RAC website for the meaning of the various categories - https://www.rac.co.uk/drive/advice/buying-and-selling-guides/changes-to-insurance-write-off-categories/   I see that a Cat S means that there could be structural damage. Cat B means that the car must be broken for parts. You say you would like to get the car back because you consider that it can be repaired. Personally I think I would be very worried about this because if there has been one inspection which is rated it as a breaker and the second one rates it as having possible structural damage – but repairable – it seems to me that there is a huge risk involved. Supposing you got the car back and proceeded to repair it but in fact found that there was some structural distortion so that the geometry of the car made it difficult to drive. You would then have a real lemon on your hands – and of course you would have allowed a fair amount of money and trouble into getting it going. Apart from the fact that Hastings behaviour is all rather suspicious – I'm struggling to see what loss you have taken on this. You would have had to pay the excess anyway – in any event. You have now received £16,000 payment so you are in a zero-loss situation and you could simply go out and hunt around for another car for the same money. The only thing that I could see which could complicate matters is if you come back and tell us that in fact the car was a huge bargain and that it would cost you more than £16,000 to replace it. But in that case I would have to ask why did you only insure it for £16,000? The second complicating factor might be that in the four months that you had it, he spent a lot of money on improvements and you have managed to recover that. Maybe you could let us have your comments on this and also let me know if there is anything which I've misunderstood  
    • Well today is the 20th so let us know if you have had a disclosure by the end of the day.   Of course you can bring a claim for breach of statutory duty – but in order for it to be a small claim you would have to claim an amount in financial compensation. Luckily under the data protection laws you can claim for distress without having to prove any physical damage or economic loss. I happen to know that you have some experience of bringing a successful data protection claim in the past - which was settled quite advantageously out-of-court. If you want to bring a small claim then I would suggest that you would have to alleged the distress and claim for, say, £50 – but it is a bit early to do this. You certainly would have to send them a letter of claim and give them 14 days.
    • What is the name of the car dealership please – I think you have already been asked this. Also, didn't you record the call? You've been here since 2006 and our customer services guide has been around since almost that time. It is always going to be very difficult to get hold of a recording of a conversation which Incriminates the company that you are trying to retrieve it from.
    • Hi.   While we're waiting for the experts, can I ask a couple of questions please?   Can you tell us which documents you've returned to the police? I assume you've admitted to being the driver.   Are you saying you were never asked to produce your licence and insurance at a police station? I don't know if it's still called an HORT/1 but that's what I was given when I needed to show documentation.   I've put some numbering into your first post for the various points you've raised.   HB
    • 😮  £ 3551!!!!  she  needed loan for a headstone for her daughter and      a   car as hers  has had it
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Mrmostash

ARC/Major Law harassment over Bannatynes membership, HELP!!

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Good Evening,

 

In the middle of January 2018 I received a telephone call from ARC requesting £112 for unpaid gym membership from 2015.

 

I recalling talking to the receptionist at Bannatynes when I wanted to cancel my membership and was advised that I needed to give one month's notice.

 

I did this via their head office on the telephone where they said one more month's payment would be taken and then by membership would cease.

 

After the last payment was taken via DD I cancelled so they could not take any further payments.

 

I received numerous telephone calls from who I believe was ARC as they called intitially on a mobile number, I have not answered since.

 

Today 6/03/18 I have received a letter from Major Law advising unless they hear from me in 14 days they will seek their clients instructions regarding issuing a County Court Claim against me at Northampton County Court for the recovery of this amount.

 

Debt balance £112

Court fee £25

Solicitors costs £50

Annual interest £8.96

Total £195.96

 

Where do I stand with this? I have no written evidence that I cancelled my membership and no access to bank statements from 2015

 

Any advise would be greatly reieved

 

Regards

 

Vic

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you've done everything right

you can safetly ignore everyone.

 

and STOP talking on the phone.

 

I've moved you to the gym forum

lots of like threads to read here

 

dx


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

 

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They wont do ANYTHING.


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

:D

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Phew, your quick response is much appreciated.

 

Regards

 

Vic

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Get onto social media and embarras the gym on there, lodge a formal complaint with the gym regarding the harassment, which they condone.

 

IGNORE silly ARC/Minor Lawless, keep a diary of events regarding the criminal offence of harassment.

 

Also make a formal complaint to the FCA regarding the gym and it's harassment of customers.


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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Thankyou, I'll will do that! It's really quite anxiety provoking getting letters and 10's of telephone calls daily.

 

Vic

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that's the ONLY thing ANY DCA can do MM on ANY debt

 

if you read their letters CAREFULLY

you'll see they don't say WILL anything


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

 

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If the calls are on your mobile, then simply block them, the actual truth is that there is no-one on the end of those calls, it's a dumb computer, when you answer and speak, then a human will talk to you.

They have no idea how many calls their system is making, so it is ALWAYS good to remind them that their system falls foul of the protection from harassment act, and the malicious communications act, first one being a criminal offence, guarantee the calls stop then.

 

Like I say, keep a diary of events, log everything, then you have the ammo to embarrass them and take to your local MP.


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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I've had constant calls and a couple of emails I've the past few days, all added to a diary I'm keeping as suggested.

If they were to go to court, would this affect my credit rating.

 

Regards

 

Vic

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nope its not credit

but the CCJ IF they win would yes


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

 

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Great thanks. I know that is a massive IF but just thinking king about the future.

 

Vic

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Just remember no gym has done court since they lost miserably several years ago


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

 

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Gyms can't mark your credit file without a CCJ. To get a CCJ they have to go to court and their arguments will not stand in front of a judge. They will be laughed at.

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Hi MrMo and welcome to CAG

 

Major Law used to deal with hundreds of Harlands gyms cases but they stopped getting involved a couple of years back - probably because we advised every CAGger to tell Major Law where to get off !!

 

There was another "law" firm, Spratt Endicott, who were regularly used for alleged gym debts but they stopped handling Harlands cases because we told everyone to ignore them, or threaten them with the SRA.

 

This will not go near a court, based on our experience over the last 10 years. They'll threaten lots but do nothing !

 

However, if you want to stop the harassment more proactively, we're always looking for folk we will assist in taking the gym and ARC Europe to court for harassment.

 

Let us know if you're genuinely interested and we'll help you kick bottom !!

 

:-)


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