The lender is 1st stop homeloans for conister bank. It's secured. It's my husband applying because he is a Taxi driver renting at £140 a week but because he's only been self employed a year he's struggled to get anything, the apr on this loan on my eyes is crazy but it would still earn him a car and be cheaper per month than his rent BUT having read the small print I can't accept the risk, especially on our house. Could they literally increase the interest to anything they wanted with no justification as to why?

Good morning please could anyone offer at advice on a clause within a fixed sum credit agreement which reads "we may from time to time increase or reduce rate of interest after giving 30 days notice both as a result in interest rate changes which applicable to all borrowers. We may vary the rate due to changes in our underlying fund or input costs. Variations in the rate of interest under this agreement are not in line or linked to variations in BOE base rate" Is this very dangerous ground ?? I thought fixed sum meant just that? Any advice would be appreciated. Many thanks Hayley

http://www.fftraining.co.uk/forces-fit

Good morning, its actually Daniels Silverman chasing the full balance plus admin charges, I denied the sum is due however they are threatening the next step of county court proceedings.

Sorry if I've been vague. To answer your questions, I joined over telephone 18th Feb cancelled direct debit the 6th March with them contacting me via email on the 10th March with a noctice of intended collection notice. I never cancelled with them direct, as I didnt realise I had to. I will try and post a copy of their link

I made an internet enquiry to complete a taste day and received a confirmation/ reminder on the 14th Feb, the taste session was on the 15th. We were told that if we joined on line within 24 hours of the taster that no admin fee would be charged, a saving of £20. I did not join. I was contacted by telephone on the 18th February to enquire why I had not joined. I was told if I did join they would still waive the £20 fee. I enquired about the cost, but at that time could onyl be told standard monthly cost (I work for NHS and there was a discount) and that as I was NHS I would have a discount. I was on the bus on my way to work at this time, the whole call was rushed. I gave me account details to set up a direct debit and was told I would receive a welcome email later on confirming the monthly amount. I received this email, and being honest did not read the terms and conditions at this stage. I had no idea that I had entered into a rolling contract and had no reason to beleive this. I was led to beleive it was a monthly fee, no indication of any notice was given. This isnt a standard gym its a local thing and I wrong assumed it was a pay monthly thing. First payment was due 15th March. I cancelled the direct debit. Received email stating notice of intended collection which then relayed all t&c's I had agreed to, inclding six months minimum term, together with extra fees for dca transfer. I reinstated the direct debit citing an error as it was at this stage I realised the commitment I was in. Next payment arranged 1st April but again I cancelled this. Direct debit was not reinstated after this point and I have received numerous emails and eventual letter from Daniels Silverman. My job has been in consultation now for a while and redundancy is the likely option for me. I am stupid for giving my bank details, as I fear now that this is a confiramtion that Ive accepted terms and conditions. Even if there were provided to me straight away, there is no mention of any cooling off period. Hopefuly thats enough information to go on, it may just be worth paying it to close the whole thing

Sorry it's called functional fitness they're a local place they have a website but no info on t&c's is available unless you log in as a member

Hi thanks for reply, I had the taster session early February and haven't paid anything. I never realised I had to give any notice to cancel I just assumed you could cancel at any time. I've never attended either. However in the t&c's received after the direct debit set up I can see a six month rolling contract period plus agreements for added charges for referral to dca and agreements to pay all six months if cancelled a total of £280 plus now dca charges too £360. It's just a local company energise fit like an outdoor pursuits thing. My argument is that if I had have been told of these particular terms then I would have know. It wasn't for me. A ccj over such a low sum seems silly but I'm really wanting to stand my ground on this

Good morning I was hoping some valued advice regarding a situation I am in. I had a taster session with a local running/activity club. After this we were told of we joined within 24 hours we wouldn't have to pay the joining fee. I didn't join but was contacted a few days later by phone to ask why not and was persuaded into joining over the telephone. I wasn't informed at that time of any specific terms or conditions or what the monthly fee was because the guy wasn't sure. I was only able to see t&c's after a direct debit had been set up and I received a welcome email at which point the fee would be confirmed. I have not attended the club at all since joining. The truth is I'm facing redundancy at work and suffer from a back condition since a car accident which is sometimes fine sometimes painful. At no point was I told that I was signing up to a rolling 6 month contract. I cancelled my direct debit and received several emails threatening dca involvement and small claims court process. I re-set the direct debit but again cancelled it when my salary wasn't paid. I am now in correspondence with daniels silverman who have said they have their clients instructions to commence court proceeding and that I signed up to all this when I joined. But I didn't. I didn't join via the website whereby you click to confirm you accept t&c's and none were given over the phone. Can anyone advise where I stand on this. Am I likely to end up with a ccj here when in reality I feel like I've been taken for a bit of a mug. Should this company have furnished me with such important t&c's before confirming my direct debit??

Hi all, thanks for your replies, I didn't receive any notice but cabot sent a copy when I sent the I do not acknowledge this debt letter to them. I clarified with blackhorse by phone that they had sold the debt. Cabot have offered 30% discount which I couldn't afford even if I wanted to. I curreny owe 3800. I am in the process of SAR to blackhorse to see what charges etc I might be able to claim back I know there's a lot, and I'll CCA cabot. I'll keep posted and thank you so much for the help and advice

Hi there I have been able to check my credit file today. The original debt to blackhorse is showing as settled?? And no mention of Cabot. Can anyone shed any light on this?? In the post today I have received a full and final settlement offer from Cabot ?

I've been making payments to ascent for nearly a year now, I owe blackhorse about 4700 and have been paying 25 a month. I've not heard off bh or ascent and continue with my standing order. I absolutely won't speak to Cabot. Upon receipt of their first letter I wrote off with the standard I do not acknowledge this debt, and asked for evidence etc, but since it's I've received numerous letters, with no regard to my request. Is there a time limit before I should write back, I'm really concerned I've heard Cabot go for ccj's and enforce sales of houses (not that I have any equity in mine. How can they just expect me to start paying them something they've provided no proof of? I don't understand the system

Anyone???

Please help I've been advised by some good people on here over last year regarding some debts, I am in payment arrangements with all however regarding a black horse loan from 2007 I was paying a dca called ascent with interest frozen by black horse. However out the blue last month I received a letter from Cabot saying I had not met the agreed payment and to contact them. There was reference to a black horse loan in their letter. I write on 5th nov stating I did not acknowledge any debt and to provide evidence, since thus I'm inundated with letters and phone calls. I sent letter recorded, which has been received their end. I really don't know what to do ice heard Cabot can file for ccj'a quite quickly

Hello, My accou t was created over the internet a good six or seven years ago. I ran into payment difficulties last year following the birth of my very poorly baby and was not able to return to work after my maternity leave. My income was therefore greatly reduced and continues to be. next would not accept my payments as per an income and exlpenditure form submitted to all my creditors. I owe £888, increased a lot since last year due to charges/interest etc. In October, next wrote to me saying they had no signed credit agreement on my file and asked me to sign and return the enclosed one, which I didn't do, and which prompted a few responses on here. Since this time, they have continued to refuse payments offered although I have payed £1 a month to the account by standing order. over last few days I've had mobile calls from Lewis Group and today a lovely letter decorated in red ink stating Final Demand, I've basically got 7 days in which to pay otherwise legal action will be commenced. I did write back to next when they admitted not having a cca, but no response was received. In light of the fact that they don't hold a cca can I be sued in a court as this would suggest to be the next step by Lewis Group? I Intend to reply by letter to them tomorrow, but any pointers in the right direction would be greatly received. Thank you so much.....Hayley