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    • Also I suggest you visit all of the treadmill pages on the sweatband.com website and download a copy of the page for each model and also download a copy of the instruction manual.   I suggest that you do this urgently For instance, I notice that this model https://www.sweatband.com/nordictrack-t8.9b-treadmill.html makes absolutely no references to garages on the website – but the manual at page 4, paragraph 5 is unequivocal that the treadmill must not be kept in the garage. It is expressed in far more restrictive terms than the warning which is given in the instruction manual for your model. Once again, because the instruction manual is not part of the contract, it's quite amazing that treadmill.com are completely silent on the issue of using the garage despite the very forbidding terms in the manual. I have to say this does make me slightly suspicious as to when the relevant passage for your model was added. However, we have no evidence.    
    • Clearscore Only uses data from Equifax.  Ideally you want to see all 3 reports i'd recommend checkmyfile.com 
    • Incidentally I would also stop posting around the Internet and make it clear that sweatband.com are attempting to avoid their statutory rights on the basis that treadmills should not be kept in garages. Do this on review sites – and any fitness forums et cetera. You may be surprised at the amount of support you get. Try to get contact details for anybody and also recommend that they come here
    • Sorry but I really don't understand why you haven't started taking action a lot earlier than this - unless you enjoy being the lead round by the nose.   You can either accept their gesture of goodwill or you could decide to go for the entire amount. I think you had better decide. If you want to sue them then make sure that you understand the steps involved in taking a small claim. It's very easy but you should read around a bit to make sure you understand the journey. Then send the letter of claim. I suggest that you draft a letter of claim and post a draft up here so we can have a look
    • That's great news...glad you got it all sorted...
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Lizerin vs Lloyds TSB

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Hi all,


I have been lurking here for a while (some great, inspiring stories :) ) and decided a few weeks ago to try to reclaim 6 years worth of bank charges from Lloyds TSB for two separate accounts.


I sent off the Subject Action Request letter, as per the template, on 21 February and duly received records for the two accounts.


There are several different charges on the returns, do I just add up the Overdraft Excess Fees and the Account Charges? Or do I also add the Overdraft Interest (mostly less than £1).


I am now ready to send the Request for Repayment of Charges letter but am unsure of what to include in the claim.


Could you help me please?



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Hi & Welcome!:)

You can claim o/d excess fees.

Account charges? Are these the monthly ones you are paying for say a Select/Gold/Platinum account? If so, you can't claim these, as these are legitimate charges.

Overdraft interest is quite a tricky one to work out, as you can't claim all of this just parts of it, you would need to use one of the spreadsheets to work out which parts to claim. In my case it was not worth claiming o/d interest.



Good luck, let us know if you have anymore questions.


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I WON!!!! :D :D :D




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