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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.


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Hello hopkinson,

 

can you start your own thread please. Your own thread title will make it easier for people to advise you. Posts in the successes may not get a response.

 

Go to the the bottom of the forum and click the New Thread button put in a title and away you go;)

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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two more things. I can see that I had multiple agreement, a term I did not previously understand. Secondly I need to report a success from Egg. Son's account fully settled last year through debt collection company but after finding the old agreement when clearing out last month saw it had PPI. Went back and claimed and got him back £500 in one letter which he accepted as he was skint! I am contributing to thread for "Egg agreements -what do I think is wrong with them thread at the moment " and have a Cahoot thread. Can't cope with anymore at the moment as fighting Egg on two other agreements.

hopingforjustice:smile:

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Having spent weeks reading and digesting the excellent advice/info on the PPI thread I am happy to report 2 successes!

 

For myself the return of a single payment + 8% from a First Direct Loan.

For my daughter mis sold PPI on her credit card.

Thank you one and all.

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Been requesting ppi refund on loans and credit cards for old accounts over 6 years old with Lloyds TSB since september 08. they seem to have split my claim into three claims, one for loans and two for credit cards or so I thought.

 

Eventually received letters rejecting my claim for loans and credit cards. Then out of the blue received a letter about the loans, but writing to me in my maiden name. It seems two people were dealing with my loans claim, one in my married name and one in my maiden name, the original name on the accounts. The person dealing with me in my married name had rejected the claim.

 

Then about a month later got an unexpected letter from the person dealing with me in my maiden name who wrote and said they were upholding my claim and return premiums plus interest!

 

The thing is they are not different loans, both people were dealing with the same loan accounts!!

 

Had the first of the two refunds today. No interest though. When I rang they said the interest goes into your account seperately and can take upto 21 days!

 

Expecting a total of about £2.5k :-)

 

FOS are still dealing with the credit card side of the claim so will have to wait and see what happens

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**Well Done Wanda**

 

Keep at them for the interest if it does not appear in 21 days

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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I received confirmation today of refund from Halifax for mis-sold PPI on a secured loan - just over £1300!

 

I'm absolutely delighted as times are hard for us at the moment and this money makes a lot of difference.

 

Only took one letter and about 6 weeks - all thanks to this site. Will be making a donation as soon as the cheque clears!

 

CM :D

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Well done CM:D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Ihave just made a claim through the Financial Ombudsman for missold PPI on Lloyds TSB in 1999 - ten years old!

 

Same here! well mine went back to 1998! I had 2 Lloyds loans with PPI added to the total amount of the loan and FOS have just written to say that lloyds need to pay it back plus the 8% interest and £200 goodwill payment. Apparently they say lloyds will take 12 weeks to pay it though!

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Another successful MBNA claim.....

 

Reason: Mis-sold PPI on OH credit card due to self employed.

Account opened in 2000

 

Action taken:

30 Jan 09:First letter to MBNA sent

05 Feb 09:Received an standard 'we are investigating your complaint' letter

20 Feb 09:Followed by a negative response from MBNA advising if unsatisfied could take up with FOS with the paragraph re outside of the time-limits.

25 Feb 09:Complaint form sent to FOS

20 Mar 09:Letter from FOS advising investigating further with MBNA

15 Apr 09:MBNA confirmed an offer of a full refund of premiums paid, along with associated interest plus interest at 8%

18 Apr 09:Sent settlement form back to FOS

09 May 09:Letter from MBNA advising refund of premiums since inception date £1,827.17 associated interest £422.79 so £2249.96 credited to account. A cheque for £791.14 being sent in the next 7-10 working days. Total refund £3041.10:D

 

Thanks to everyone on this site who gave me advice on this forum. Donation on its way once cheque cleared.

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Well done Ollie nice job:D

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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well done ollie congrats all round

me i am at the stage of central credit state they did nothing wrong so am now starting the letter for the FOS

any ideas greatly apprieciated

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Another successful MBNA claim.....

 

Reason: Mis-sold PPI on OH credit card due to self employed.

Account opened in 2000

 

Action taken:

30 Jan 09:First letter to MBNA sent

05 Feb 09:Received an standard 'we are investigating your complaint' letter

20 Feb 09:Followed by a negative response from MBNA advising if unsatisfied could take up with FOS with the paragraph re outside of the time-limits.

25 Feb 09:Complaint form sent to FOS

20 Mar 09:Letter from FOS advising investigating further with MBNA

15 Apr 09:MBNA confirmed an offer of a full refund of premiums paid, along with associated interest plus interest at 8%

18 Apr 09:Sent settlement form back to FOS

09 May 09:Letter from MBNA advising refund of premiums since inception date £1,827.17 associated interest £422.79 so £2249.96 credited to account. A cheque for £791.14 being sent in the next 7-10 working days. Total refund £3041.10:D

 

Thanks to everyone on this site who gave me advice on this forum. Donation on its way once cheque cleared.

 

Very very well done! ... & thanks for putting your timelines on here. I have been sent a 'questionnaire' from BARCLAYCARD re my ppi re-claim. Can you believe they have not got records (so they say) the form is like war & peace. Shall I just go straight to the ombudsman? or write them a letter back saying i will do this first?

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bobbydog

 

If you need assistance it would be easier for you to start your own thread.

 

Just click.

 

http://www.consumeractiongroup.co.uk/forum/images/buttons/newthread.gif

 

put in your own title and away you go.

 

Once you have your own thread ask away it just keeps things tidy.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 2 weeks later...

I've won against Firstplus!!!! I received a letter from the FOS today and they have upheld my complaint. Firstplus are not making any admission of liability and are making the offer of full settlement as a gesture of goodwill. The FOS have instructed that they must put me back in the position I would be in had the PPI not been apllied.

The FOS also considered that I should be paid compensation for the distress and inconvenience. Firstplus have refused to pay the compensation.

I can take it to the Ombudsman or accept the offer. The method in which they should calculate the refund is attached but I can't work it out. Is there anyone out there who can help. I will PM you with the figures if so.

Thanks to everyone and this brilliant forum.;):lol::lol:

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WELL DONE, ;)

THANK YOU FOR NOT GIVING UP

perseverance = RESULT

PLS ENSURE YOU ARE REFUNDED FULL PPI+INTEREST+ANY RELATED COSTS!

:lol:

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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Well done varda - Great news

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi Guys,

 

My mate has just had a PPI claim won against Lloyds TSB. It was on his loan he took out in 2004. They have decided to refund all of the monthly insurance instalments he paid which is great. However there is one bit that he doesnt understand and that is the bank has said in addition to the refund of instalments that:

 

'I have calcualted and paid the difference between what the settlement balance would have been on your loan account at the date of cancellation, had the insurance not been included on your loan. I have deducted this from the actual settlement figure net of your insurance rebate. This means that had you not purchased insurance you would have reduced your settlement figure of £675.80.'

 

That is the first point of the letter and that's what he doesn't uderstand. I have never done one of these and so I don't understand either. The letter then goes on to the second point which talks about the amount paid in premium instalments which obviously we understand. So is he also going to get £675.60 refunded as well as the premium instalments he paid. They are also giving him a few hundred quid statutory interest which is quite good.

 

Any help appreciated.

 

TheyrCriminals

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I don't think he is going to get £675.80 as well - what this is (I am pretty sure) is the amount he would now have to pay to settle the account once all the PPI pricipal/interest/repayments have been taken into account.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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