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    • Hello,    I'm looking for some advice regarding my david lloyd membership,  I was a linked member to my now ex-partner's member unfortunately over the last lockdown our relationship broke down and we've gone our separate ways. To put it mildly we're not on friendly terms, he goes to the gym with his close friends and it would be a pretty hostile environment to be around.    He sent me a brief message just over a month ago to say that I was no longer a member and basically i'm not allowed to return once they'd re-opened. I'd left it at that and rejoined a new gym.    Anyway, i've now received an email staying I have unpaid fees and need to make a payment and they've set me up as stand alone member - i've tried to speak to someone but apparently have to wait 3-5 days and i'm assuming they're now going to make me do the three months cancellation fee.    I can't afford to pay three months worth of membership for a gym i'm not going to go to. From reading some of the other conversations it looks like DL can be pretty brutal and not really have any empathy and i'll soon get a letter from a debt agency if i don't comply. What would be the best way forward? I'd rather offer a resolution then ignore and worry for a few months.     
    • Its a common wheeze to put a no parking outside opening hours on KFC and other places like cinema complexws with fast food outlets, The original planning permission doesn't permit such stuff quite often,
    • Good afternoon.   I am a member of Anytime Fitness on a rolling-monthly contract.   In March 2021, my home gym (Aldgate) sent an e-mail asking members to continue paying, freeze, or cancel their membership. If you didn't reply they would automatically keep taking payments.   Me (being naive and stupid), didn't reply to their email. My £40 a month D/D payments continued. These would be reduced to 50% once gyms opened again. I paid 100% (£40) Apr, May, Jun, Jul, and 50% (£20) in Aug, Sep, Oct.   I DID attend the gym July - October, so I am owed 3 'half-months' and around a week (from July) of payments from Aldgate.   My home gym then switched to Lewisham in November by default as I had visited that gym more. Lewisham charged me the 50% for Nov, Dec, Jan, Feb, Mar, and this went back up to 100% (£40) in April.   Again I DID attend Lewisham in Nov and Dec outside of restrictions. I have also attended the gym this month. Therefore I have overpaid them by at least a month, plus the latter part of December. It gets even more confusing as their basic membership fee is £24.95.   Aldgate will not refund me, nor will they transfer what I essentially overpaid to Lewisham, despite the gym being one-brand it is ran by a different franchisee. Lewisham are not so quick at replying to e-mails. They said I can talk to their management when I next visit, but I want to keep everything written (even if it is electronically) for now. I am however going in there tomorrow to give them a piece of my mind.    Anytime Fitness don't have a central 'complaints/info' e-mail, they essentially just push you off to the individual clubs.   Should I just try claiming a refund though my bank? All payments are made to a company called Clubwise, which I am told is a membership payment system that all ATF gyms use.   Many thanks.  
    • Hi all,   I'll try and summarise this mess briefly.   I have approximately £45,000 in credit card debt from the UK. I moved abroad a number of years ago (outside of EU). Up until now I was making minimum repayments, and had never missed a payment. It's got to a point where I can no longer continue making the payments, and I never told them of my address change (the address listed is my last UK address, which is my parent's home). I was basically using one of the cards with money available to pay off the other minimum payments using Revolut, and now of course i've run out of money. I have no spare money available, nor anyone that can help, so I believe my only choice of action is to stop paying. My CC accounts are with Lloyds Group, Tesco & HSBC.   From asking a different forum, my understanding is that if I do not intend to make payments I should cancel the direct debits first of all, then eventually all the accounts will default. I also was recommended to send letters with proof of postage to the creditors regarding my address change so they don't hound my parents, and have my correct contact info. I managed to find the address to use for Lloyds & Tesco, but I cannot find a postal address for HSBC anywhere. Is anyone able to help me with that please?   To answer some questions, I don't plan to return to the UK anytime soon. I don't have any assets in the UK, my bank account that had the direct debits is not connected to the creditors, does not have an overdraft, and the only money that was in there was to cover the payments. Also, I've been out of the country longer than the amount of time bankruptcy would be an option. I'm not particularly proud of what i'm doing, but feel like the only option is to have a fresh start from the worry of my UK debts.   Does anyone have any advice, or suggestions on my plan, and if i've missed anything? When the phone calls/letters/emails start should I respond/respond in a particular way/ignore? I guess at this stage without missed payments, this month will be the 1st time anything is noted, so i'm not sure when the messages will start.   Thanks for your time.
    • But I was fighting this claim thanks to you lot and your help last year. I genuinely don't know what happened to the court papers or the LBA that preceded it, and can only assume that it defaulted due to my having returned one envelope unopened back to ELMS Legal that maybe contained the LBA etc. A costly lesson although I'm inclined to just ignore it and swallow the CCJ for 6 years rather than give them a penny!
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Help - I think I have messed up my claim!


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hi there - i think i have messed up and dont know whether to bail out and start again - if i can?!

 

am in the court proceedings etc but today received the AQ from Cobbetts and in paragraph G it stated that the court should strike my claim as i havent given any particulars of claim. Earlier this week i received a letter from them saying they didnt receive my schedule of charges etc - the problem being i didnt use the one on this forum to work out interest etc cos my computer was down and dont have printer so i just highlighted all charges on the statements they sent me and sent them back to nat west requesting the total amount - so obviously i dont have copies of the statements! I wrote to cobbetts this week to say that everything had been sent to nat west and i thought they would have passed it on to them but now i will have to write and ask for the statements again - i did write the same day to nat west again asking for all statements and enclosing cheque for £10 - i really dont know what to do - do I write/fax court to say that i am requesting duplicates because they had them back? any help would be so much appreciated as i feel sick with worry! Julie x

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welcome to the CAG family, sounds standard stuff from Cobbetts. Have a read of cobbetts and CPR part 18 request. If you want you can ring up and ask for copy statements at £5 and they should come through in a week or so. You should always keep copies of things you send. A lesson learnt I think. Having said that it is not all lost. Keep your chin up.

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start again as u need to put the charges into the spreadsheet the courts require this elae your claim will be struck out. dont panic it will happen but best to get it right x

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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thanks for your email - do you mean carry on with the existing claim but do the charges right now on the spreadsheet? or go through the whole claim process again and lose the £120? can i ask for extension or something with court? thanks again x

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well without the evidence of charges your claim WILL be struck out, i have experienced similar to this even though i had sent the spreadsheets 3 times to natwest once to the court and three times to corbetts. the judge wrote to me - see my thread 'courts ordered my claim is stayed' just below this one.

have u got the charges with a description and a date? if so yes by all means put this onto the spreadsheet and sent it to thecourts corbetts and natwest, but if you havent its highly unlkely your claim will be settled - the spreadsheet is your eveidence?!

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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Julie apologies for contradictory advice, but I do bow to kerrie's call on this one because if you do not have the info by the time you have to respond then you will be back to the start.

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u may well have time - use the advice of natweststaffmember in the stickys at the beginning of the natwest threads to get your statements and hopefully they will come in time. if u havent done the spreadsheets already though i gather you have not added the 8% interest on your court claim? you didnt calculate your charges then add on 8% on to the total did u? if this is what u did it is wrong as the 8% is added onto each individual charge not the whole amount.

NatWest (CLAIM 1) - £2181.24 SETTLED IN FULL

VIRGIN MBNA - £377 SETTLED IN FULL + INTEREST

NATWEST (CLAIM 2) - £1008.30 - SETTLED IN FULL

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not sure if i have the wrong end of the stick here, im no expert.

You have recieved a copy of cobbetts AQ, have you sent yours off yet?

If not you could ask for a stay on the form, allowing you longer to wait for the statements etc?

Check this with those in the know though, as i am a beginner at this stuff!

Neil

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hi thanks all for replies - well iwrote/faxed to court today pleading ignorance - and yes i did just add 8% to total - i can only hope that they will look kindly on me and give me another chance til i get statements and so i can do it properly - please keep talking to me - i do appreciate it - julie x

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Without hi jacking this thread too much, i recently recieved a copy of cobbetts AQ. I have already sent mine off to the court, but did not realise i should copy it and send it to cobbetts too?

Is this that important?

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i feel the same i sent out letter last week recorded sig required with highlighted statements and list of total inc interest etc of 2 accounts, however i sent to my local branch which started with a PO BOX, as suggested by a comment on this site. royal mail says not delivered yet when i track it, so think i have to send it again, got address in telford for credit management hope that works.

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It doesn't matter.

 

The AQ is for the Court. Normal protocol is that each party sends a copy of the AQ to the other but it's not strictly necessary.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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