Hi How did you pay for this direct debit? a one of payment?, if one off was it for the whole year?. I have looked at their terms and conditions, and it appears to all be one sided and suited to the gym themselves. What was the special deal?

Hi How did you pay for this direct debit? a one of payment?, if one off was it for the whole year?. I have looked at their terms and conditions, and it appears to all be one sided and suited to the gym themselves. What was the special deal?

I am still up for going, im in Ivybridge,

Hi As an employer myself, and looking at the comments, the risk assessment does not seem at all satisfactory. They should offer you alternative employment within the company if available which you would be happy with , or as they already offered you to go on leave early. I would review your contract, and see what you have signed. I understand that you probably want to work up until the last minute, but to put it bluntly when you took the job on you knew the risks involved. If you are not comfortable at all then i cannot see any alternative apart from to go on leave early. Sorry to be blunt,

Fri 14 th Good for me

I dont mind weekdays evenings or weekends so whatever suits the majority

Hi Pecky Great we are building up speed now in South Devon Anyone else????

Hi Lex Hopefully we will get more interested parties, anyone out there in south Devon??????

I broke the terms by being unwell and not in a position to pay back

Thanks paul for your reply I presume you are talking about the CCA agreement? or the IVA agreement? Why do you think it could not be enforcable? For the IVA it was over 15000 just the amex was £8000

The card was a credit card combined with british airways the total debt was around £8000 Cannot pay it back as i have been very unwell with a life threating condition so not in a position to pay back Ip said because of illness I have not claimed any charges, as i didnt want to acknowledge debt at this stage

Since the IVA failed noone has contacted me this is the first since FEB 2007 when the IVA failed. I am considering bankruptcy as i have nothing valuable in my name, but would like to avoid it if possible

Can anyone give me advice please A DCA knocked at the door this evening on behalf of American express, my partner answered the door, and the man said is *********in please, my partner promptly said no. My partner asked what was the purpose of his visit, and he asked my partner who he was to me and just reply her partner without giving his name. The man then said that he was here on behalf of American express and their acting solicitors. I thought these people were not supposed to give information to a third party. Also when he came over the other night he left a card with just his name and number and no details of his company etc. I have not heard from american express since entering into and IVa in 2005 and the IVa failed in 2007. I have had no correspondance whatsoever with anyone or their representatives. I have looked at the office of fair trading and feel they have breached a number of examples of unfair business practices. What does anyone else think?? All help greatly appreciated as i have this man wants me to phone him on a mobile number

Just a thought Anyone interested in a CAG meet in the South Devon Area, Between Plymouth and Exeter. Please post your interest with a reply, and i will make some suggestions and dates, or if anyone else would like to take the rains go ahead. I would be interested this is a great site:) and it would be good to meet like minded CAG rs

I had treatment in hospital and it was covered under my private medical insurance. I left it at that with the hospital and have not heard since, I had a letter from ICON COllections on saturday stating that i owe £200, and then the DCA at the door today and he left a note with his name and number and the note saying it was urgent to reply and to quote a reference number no company name informing me of where he was from. I have not bothered but can only assume that this is the hospital chasing me 3 years on. I believe this to have been paid by my insurance company at the time, and cannot remember the details of the insurers as i have some memory loss. Is this debt enforcable or still live, i have not replied or acknowledge any correspondance. what should i do? Thanks