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    • I asked you to megre them to one file  they are all in your last post now   dx  
    • Slick, the insurers involved are Swinton and I took the policy after doing a comparison search to see who would come in at the best price.  I would pressume that if they are aware of my notification but no claim then so would all the other companies be, an expensive lesson to learn.
    • Well I've looked through the letter – and is extremely complicated – but I have to say that it's an amazingly well laid out and well structured letter – and it scares the hell out of me! I think it would be very helpful if you could possibly distill it into a rather more brief bullet pointed chronology. Also, you refer to various clauses in their terms and conditions. Maybe you could reproduce these here. Use our quotes function as it compartmentalised its things and makes it all much more easy to follow.   But I gather that you set up a business account in your company name and they seem to have been treating it as a personal account – although I'm not too clear what difference that has made. They then suspended the account because they say that you had been abusing it and were in breach of a contractual term. You deny this By suspending – rather than closing the account, they were able to say that you owe them the entire rest of the charges until the end of the contractual term. – A very convenient approach from Vodafone. Then Vodafone made an entry on your personal credit file – even though it was a business account. They then send it out for debt collection – and eventually Lowell's sole sense. Apparently Lowell remove the default and cleaned up your personal credit file – but wouldn't it have been for Vodafone to do this? If you could layout the chronology please to begin with – and then maybe in a subsequent post you could address the questions that I have put. From the sounds it I think that you have got quite a good case for complaint although I understand that they have now paid you some level of compensation – with this made subject to any conditions such as full and final settlement et cetera? I would suggest that you send Vodafone an SAR immediately – and also one to Lowell. There free and so you might as well get them off as quickly as possible. Basically want everything – including recordings of conversations, notes, screen notes, correspondence – internal and external – and anything else – on any matter whatsoever. All data that they hold on you  
    • I'm trying to go through your story in your opening post – but it's pretty long so it will take some time.
    • If you phone an Insurers about a possible claim, they will make a record of this.  There would be an open claim event record and even if you decided to not bother continuing with the claim, the claim event would still be on your Insurance records.   The Insurers are probably correct that with this claim event record with zero being paid out, that they would charge you an extra £60 per year. The Insurers calculate risk based on all information and this claim event is seen as an indicator that the risk has increased.     Insurers from statistics believe that once one claim event has happened, there is an increased chance of there being another claim event.  You may have heard the expression, "bad luck runs in threes" or heard people saying that they have not had an accident for years and then in a short space of time they had suffered several accidents.
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IP90

Xercise4less/CRS

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Hi, sorry for posting this as I know there’s a lot of other threads on X4L/CRS but I think, having read a few of the threads, that my situation is slightly different. 

 

So today I received an email about an X4L membership that I had completely forgotten about it was so long ago (around January 2014 I think). 

 

The amount due is apparently £262.47 but in the email they have offered me a “deal” of 60 per cent off the balance if I contact them by the 23rd August. 

 

My my memory is pretty hazy as it was a while ago but I’m pretty sure I never cancelled anything. I lost my job around February/March 2014 and was in a bit of a mess at the time, so I didn’t have any money to pay but I think the direct debit still went out of my bank and left me in arrears which led to quite a large debt building up with my bank. 

 

Im guessing at some point they either stopped taking the direct debit or I must’ve cancelled somewhere along the line, and I’ve thought nothing else of it until I received this email today as a “final attempt to resolve this matter” whatever that means. 

 

Where do I stand? Should I take this offer just to get it over and done with? Any advice is greatly appreciated. Sorry for the vague details my memory isn’t the best! 

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No - Dont take the offer. Nothing they can really do - 

Someone will be along soon to advise. 


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Ok thanks. I begrudge paying it anyway and it seems to me they’re a bit desperate to offer more than half off the balance. 

 

I forgot to mention also, at the bottom of the email it says if I can’t pay the balance in full, they will knock £2 off themselves for every £10 that I pay.

 

seems like they’re really trying to entice me into giving them money then dressing it up as them “helping me”

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block and bounce their emails and address

 

ignore them

nothing they can do to you.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for the reply.

Do they really have that little power to do anything? 

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read threads here already 

click gyms and health clubs 

 

up the very top


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi IP and welcome to CAG

 

The demands will be from Harlands or CRS and they are just hoping you'll fall for their tactics.

 

Ignore them completely and don't reply in any way.

 

Once they realise you're not intimidated, they'll look for weaker prey.

 

Keep us posted ..............


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