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Hi, I have been reading many of the topics around this subject as I have also just received an email from Harlands with a £25 admin fee due to DD incorrectly cancelled through bank rather than cancellation form. I started the gym around Jun/Jul last year and haven't used the gym since Jan 2019 due to an injury, as I thought I could go after injury eased up but it's still occurring so I cancelled DD on 18th April. My DD's were coming out on 18th of every month and I must have cancelled before this months was taken. I have seen the templates Slick132 has provided a while ago and have drafted one up to reply to them but just wanted to check this was the best process to take in my circumstance?
I've been trawling through manually and searching on 87.1, Cabot, dismissed, default notice, default summary etc and various combinations. No luck at all and I'm normally OK at this stuff.
Thanks again sangie5952. Remember you warned me to sit down so I didn't have far to fall. I will 'sleep on it' maybe for a few weeks, so a long snooze. The grievance feels toxic making it difficult to be objective. Also I think the respondents are unlikely to make an offer to settle as they are part of a large public body and I believe their default position is not to admit liability. I wouldn't dream of calling you names. It is clear you are giving generously of your time and experience. I only wish I had access to this kind of advice sooner. Incidentally when I referred to the costs of witnesses I meant witnesses called by the respondents on their behalf. I was worried about having to pay for their air fares and accommodation if the tribunal awarded them costs. However given the strength of my case I realise it is unlikely they would need to call witnesses. Again many thanks.
This is a bit of a lengthy one but I’ll summerise best as possible.
THIS IS HOW THE PHONECALL WENT
I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker)
I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded.
Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
so far so good.....
i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
so far so good....
A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp bank complicity – coming soon @A_Gentle_WomanA shocking story of domestic and economic abuse compounded by @BarclaysUKHelp bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
Hot news for anyone who has suffered mortgage arrears charges, irresponsible lending or other unfair lender conductThe FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
Please see the links below for summaries and full details from the FSA website.
It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
Furthemore, irresponsible lending practices are also unfair and unlawful.
Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
You are entitled to refuse counsellor visits and not incur any charges.
Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
It is clear that some mortgage lenders are trying to cheat you out of your money.
You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
You should consult others on these forums when considering any offer.
You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
You must make your complaint through the County Court for a rapid and effective remedy.
Do you have a mortage arears claim to make? Then post your story on the forum here
30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/