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    • Resume payments with the debt collectors? You say not to pay dca though do you not? 
    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
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Reddam House Berkshire Ltd T/A King's Interhigh/ACT letter of claim - Online Schooling Fees after Cancelling


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https://www.consumeractiongroup.co.uk/topic/453662-reddam-house-berkshire-ltd-ta-kings-interhighact-letter-of-claim-now-claimform-online-schooling-fees/

Hi, any update with this case.

I am also a victim of Kings Interhigh.

I signed a contract for my daughter for Year 10 (last semester), Feb to July 2022. I paid for it.

Then suddenly my daughter changed her mind about online schooling and we ask to cancel our account on August of 2022.

However Kings Interhigh said I should have cancelled it by July of 2022 for no payment.

Since I cancelled it on August 2022 then I should pay the whole amount of £4835.

The start date of class was Sept 13, 2022.

Please advise.

Thank you

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you need to create your own topic please

hit create or + in the top red banner.

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I received a letter from ACT credit management, representing Kings Interhigh online school.

I need to reply in 30 days or else they will escalate it to the court.

Here is the story.

We came here in UK with my family in July of 2021. My daughter was going to Year 10 that time.

Unfortunately, she suffered a culture shock on her first few days of school and became depressed.

She did not want to go to the normal school during that time.

for her to continue to study without going to normal school, I enrolled her on the online school and I found Kings Interhigh.

I enrolled her on around Feb of 2022 and got accepted.

I paid the registration fee of £50 and the schedule start date was Feb 28, 2022.

I paid £2250 upfront for the payment of 2nd semester (Feb to July 2022).

I also signed the contract on around Feb 5 of 2022 without reading all the terms and conditions as I was only focus for her to start her study.

For me, the £2250 was expensive but I have no choice as I did not want my daughter to be idle at home and depressed.

After the end of the term, we had still plan to continue her online study, however around the end of August or early September, she decided to go back to normal school, I enrolled her in the same previous normal school she was enrolled before and was still accepted. 

Then, I emailed Kings Interhigh and saying we are cancelling the online school.

I think it was around 2 weeks or 1 week before the start of the class.

Start of the class is September 13, 2022.

I thought it was okay as the class was still not starting and I still did not put any deposit or paid in advance.

However, Kings interhigh told me that I still need to pay the whole year class (2022-23) amounted to £4838.00.

Of course, I disputed to that amount until they asked the ACT team to collect that money from me for the past 1 year until I received a letter that I need to reply for 30 days or else will go to the court.

Please advise.

Thank you

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Please post up the letter of claim which you received and also the claim form in PDF format

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  • dx100uk changed the title to King's Interhigh/ACT letter of claim

Merely a letter of claim. and if you read it PROPERLY it doesn't say they WILL do court. every word bar that one.

as you are well aware from the other thread, it seems like pretty std practice for this online school to demand money (inflated course fees) for the next terms due with rather a long pre cancellation period IMHO. and it's only a T&C requirement not part of the signed agreement/contract, (so a bit like PPI/Bank Charges reclaiming) so can be challenged as an unfair clause .

its only an online thing, not as if they are hiring rooms, teachers, recourses etc, just untick you from a box i expect.

not sure what to put in the letter of claim reply, (but examples can be found if you hit letter of claim).

it will be interesting so see if that court claim thread goes anywhere

dont rush run the 30 days you have.

see what others think....

dx

  • Like 1
  • I agree 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We can put together a response when we see the letter.

Still waiting for this please in PDF format

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It refers to enclosed documents but you haven't supplied those. Any reason why?

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ok @BankFodder is getting confused 

the enclosed docs are merely their version of the PAPLOC reply form, not documents relating to any contract etc etc.

i would base your reply on post 4 of the letter of claim <<clickme link.

you just need to make a new list for the docs you require at box I

so 

copy of signed contract

complete set of terms and conditions applicable for time

anything else :noidea:

over to the others.

dx

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, sorry. I had gathered from the title of the thread that a claim had been issued.

Do follow the advice from my site team colleague above.

Generally though even if there is a breach of contract, you would only be liable for administrative expenses caused by your breach. You would want to know what they were and I'm sure that they are minimal.

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Here is the contract

Thanks

I signed this knowingly it is for that year only.

I never read the terms, it is my fault I guess but still I cancelled the online school before the start of the Class.

I thought I will pay some deposits/admin fee.

I never thought I will pay the whole amount we never used

4838 gbp..That is so big and ridiculous to pay without any services/goods used

Interhigh_-_Reddam_House__Berkshire__Limited.pdf

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and when was that attachment sent to you please.

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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just type no need to keep hitting quote.

so request 

agreement/contract

full set of T&C applicable for time of sign up

complete statements from day one inc specifically any additional changes or interest added

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...

Hi all,

Me too i received that letter from ACT asking for the whole year about £4800++.

King's Interhigh/ACT letter of claim - Students - Consumer Action Group

I cancelled it but still asking for £4800++
It was 2022. Then I received a lot of letters and phone call.

later, i decided to negotiate with them.

they reduced to £1600++ (one term only)

but i asked to reduce to £1000 as I dont have much money now and I said £500 deposit and £100 per month the remaining.

they agreed for £1000 but cash.

i am still negotiating with them.

Pls let me know if you want to make a group to fight this scammer!

thank you

 

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they dont work and are pointless in the UK.

 

dx

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

we dont advise ever doing that you never know who people really are.

could be a plant working for them.

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I am not sure how can I give my personal details to you without showing it to the public here as the ACT is also scanning topics like this online. 

Understand the concern but i am a victim too. 

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there more help here in the open forum than by talking privately.

doing that we always find is like the blind leading the blind.

both of you have simply received a letter of claim hoping you'll both wet yourself and blindly cough up.

dont forget they are a well established (questionable) establishment and are probably quite skilful in knowing what pulls peoples strings to get money they are p'haps not actually legally entitled too.

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Reddam House Berkshire Ltd T/A King's Interhigh/ACT letter of claim - Online Schooling Fees after Cancelling

hows this going?

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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quite honestly i'd ignore them until/unless you ever get a letter of claim.

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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