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    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
    • Hello and good morning, I have been informed that my DLA is stopping and was asked if I wanted to claim PIP which I have done over the phone. I was hoping to download the form online until the proper form arrives in the post. I thought if I could fill in the forms with a little more time to consider my answers without the pressure of returning the completed forms on the dates that they require. Does anyone know whether the 2018 forms are the same for 2019 because I don't want to download them if the government has decided to change anything. Thank you for any help you could give me. Alan.
    • Thats what was reported as being the 'offer to labour wasn't it -   Effectively that they will agree that we will each aspire to have the option to pursue what we like, and whoever is next in power can pursue what they like. - ergo Gobbledegook meaning Nowt positive apart from limiting choices further per Mays withdrawal agreement limitations and making a hard no deal exit or indefinite uncertainty; both devastating UK investment and business; almost certain     I think that Johnson being voted in to be the scapegoat May was intended to be would cause an actual split in the Tory Party rather than just the internal war that's occurring.. I have severe doubts he would get in anyway - but he could probably end up as effective 2nd in power continuing the increased levels of backstabbing, power politicking and conflict in the Tory party.       Voting Lib Dem or Green in England and SNP in Scotland  seems to be the ONLY options for remainers, even if they are just there to promote a revoke/re-ref.   Not sure on the Welsh position          
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • 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....
      • 14 replies
    • A 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/
      • 0 replies
    • The 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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
Geedi

X4less 9 + CRS

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Hi,

 

I have cancelled my membership with x4less on their website after 12 months as per agreement,

i have received letters from Hartland and CRS saying we couldnt collect the monthly DD as it has been cancelled.

I have sent them a letter via RM offering them to pay the "returned" DD of £12.79:

 

This is my letter:

 

"I cancelled my direct debit for xercise4less on 10th February ; exactly after 12 months as per the minimum contract period (see attached letters).

This gave notice to quit the gym membership at xercise4less

 

I have only seen a letter from yourselves today stating that my bank have advised you that my February instalment has been returned unpaid "instruction cancelled". 

This letter is an offer to pay you £12.79 that was apparently “returned” to my account if you supply me with a reference and a bank payment details.

If you demand any higher amount due to admin fees or any other reason, I will pay you nothing and this offer is valid for 14 days only."

 

This is their reply:

 

"Further to your recent contact with CRS.

We have been passed your file by Xercise 4 Less in regards to unpaid arrears due under the terms of your Membership Agreement.

On 9 FEB 18 you entered into a Membership Agreement with Xercise 4 Less via an online sign up process. Upon providing your details, including your name, address, bank account details, e-mail address and date of birth, you agreed to pay £12.79 a month for a minimum period of 1 months

As your minimum term of payments was not honoured and you failed to rectify your breach of Agreement charges were applied to your account and your file was referred to ourselves for collection.

Having signed your Membership Agreement online you have entered into an enforceable contract and you remain liable to clear your account balance. There not being a signed document would not make you any less liable to pay.

https://xercise4less.snapdda.co.uk/Clients/Xercise/MasterTermsAndConditions.pdf

Please contact us within the next 7 days on 01444 449165 to discuss repayment of your balance."

 

 

Please advice on next move. 

 

Regards,

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ignore now totally

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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@dx100uk

 

Thank you. Will do so for now. I will keep you updated. 

 

Regards

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Hi Geedi and welcome to CAG

 

Have you paid a total of 12 months fees before the DD mandate was cancelled.

 

Don't reply to Harlands/CRS at all for now.


We could do with some help from you

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@slick132

 

Hi,

 

Yes, I first paid £27.79, which consisted of a joining fee of £15.00 and the first monthly payment of £12.79. I then paid 12 more DD payments of £12.79 each for 12 months there after. Last payment left my account on the 9th of Feb 2019.  Total paid so far is 27.79+12*12.79= £181.27.  Then I cancelled my membership on their website and cancelled the DD on my account. So, in reality I paid them 13 months.  

 

Regards,

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Great - so you've paid 12 months fees or more and they refused to accept your final fee offered for the notice period.

 

Ignore further demands from Harlands/CRS but keep us posted.

 

It's best to give a months notice to cancel so you pay a final fee after giving notice. See the guide here so you get it right next time - 

😎


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Slick,

 

Thank you for this information. 

Yes, exactly. I have definitely paid 12 months plus the first payment of £27.79.

I have blocked their numbers and I didn't reply to any of their emails. 

I will keep you posted. Cheers.

 

Regards,

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