Time to start the civil claim

sorry I’ve tracked a few other fleeced customers this week and no sign of them on the register. Alarm bells would have been ringing if I’d done my homework!!

Yes thats exactly what they're doing and can't be allowed to continue on like this aside from the money they've conned me out of.

Yep done that research here too check out the reviews at Magnus Architects Reviews here and some other people have also been stung recently They are trained architects from what I gathered and their service seemed on point, the guy who came out and did the designs and second iteration were fine, I even have the PDF design. But as soon as we paid for planning permission that was when all communications ceased. We also rang the council and no plans have been submitted For the record I wasn't dealing with Magnus, the mrs was taking care of this

Hi Andy, rookie mistake, paid by bank transfer instead of credit card which has protected me in the past.

Bit stuck here so I wanted to consult the experts here: In August we contacted a local Architects Firm Magnus Architecture to help us with the design and planning stage for an extension. All went well initially after paying around £900 to do the designs we agreed to proceed with a planning application of a further £1k. This was almost 2 months ago now and we were advised it can take up to 3 weeks to submit the plans. Last month we tried to contact the firm after having no response to any emails and found that the phine lines were dead. Doing a little research on recent Google Reviews has found that several people are having the same or worse problems, some have been left mid-build and it seems that the directors Simon Coyle and Justyn Lambert have done this to customers from their previous firm MAGNUS TECHNICAL ENGINEERING LTD. This isn't a company that has gone out of business because of Covid-19 pressures. I checked them out on Companies House and the firm is still marked as active. https://find-and-update.company-information.service.gov.uk/company/09994925. I could raise a civil claim for breach of account according to Citizens Advice but I don't see them responding. I wish I'd done my research before going with these fraudsters but will be more diligent in future. Would appreciate any advice here Thanks Chet

Thanks Slick, I was hoping someone more knowledgeable would join this thread, unfortunately gym memberships should come with a Health Warning these days

I've done it before with virgin and as long as you're out of contract they can't do anything - check out another post http://www.consumeractiongroup.co.uk/forum/showthread.php?121539-Total-Fitness-Cancellation

First cancel your direct debit if you don't have a direct debit then cancel your debit card, you will be issued with a replacement with a different expiry date, speak to your bank too for advice. Contact head office and see what they say too. I refuse to sign up for any gym membership now, I paid 12months in advance for my leisure centre gym membership. Contact the Financial Ombudsman service too they may help you get your money back.

First thing I would do is to ask for the T+C's and for the exact terms that that state any new car added has to have a bedding in period of 14 days. Then speak to trading standards and check if it is actually legal for them to have a 14 day 'bedding in' period because you are still payijng for a service even during those 14 days. Check out the Trade Descriptions Act and the Supply of Goods and Services Act 1982. http://www.direct.gov.uk/en/Governmentcitizensandrights/Consumerrights/Howtocomplainaboutgoodsandservices/DG_196096 Hope this helps and let me know how you get on

HELP PLEASE!! Unfortunately I must have forgotten to ask the AA to remove my card details last year!! Imagine my horror yesterday when I checked an account I rarely use and find it £145 in overdraft. I never even received a renewal letter but I am going to be charged £50 by the hsbc for going overdrawn!! I contacted the AA straight away who are unable to refund my charges but were able to drop my premium by £60! As I have been happy with their service - (1 callout every 2 years) I opted to stay with them, and contacted my bank to see if they would refund the charges as a goodwill gesture! I got a flat refusal from an advisor based in a foreign country - she probably didnt even know who the AA are. I am still going to pursue the AA for a refund of this charge and after 20 years with the HSBC I will be closing my account with them! Any advice would be appreciated. Thanks

I did get a full refund as all my threats went via the finance company. Although I had them on a technicality with the odometer reading so they had no leg to stand on. I should have gone to watchdog just to let people know how bad this company is!! Went to the garage last week and all the salesmen just scarpered rapidly haha

i got a phone call yesterday from the General Manager at Arnold Clark!! the mileage discrepancy cannot be defended so I said I want a refund and he's sorting it, lets see when I actually get my money

For reference, below is a copy of the letter I sent out yesterday - heres hoping Dear Sir/Madam, Finance Agreement Number: XXXXXX Supply of Goods (Implied Terms) Act 1973 (as amended) On 22nd January, 2009, I entered into a Hire Purchase agreement with you for a Volkswagen Golf 2.0 GT TDi from Arnold Clark Automobiles Limited. The following problems have arisen: The hire purchase agreement, used qualifying vehicle invoice, Arnold Clark warranty and servicing documents state the mileage at time of purchase was 37,168. However on the day following purchase I actually looked at the odometer and saw that the mileage was actually over 39,000. I pointed this out to the salesman 'Chris Fish' (who sold the car to me) and the fact that there was no service history or handbook with the car I was told not to worry about it. I have since found out that this is criminal offence. There is no seatbelt on the rear left passenger seat, this is another breach as the car would not pass its MOT and is therefore not roadworthy or fit for the purpose. There are signs on the rear nearside of the car to suggest this has been involved in a RTA and subsequently repaired. However I was left to discover it over this weekend and not informed at the time of sale. I have taken legal advice as a number of problems have become apparent in the 5 weeks that I have been in possession of the car. I was informed that the misleading information regarding the mileage of the car contravening the Supply of Goods (Implied Terms) Act 1973 (as amended). I was not given the opportunity to test-drive the car only told that it was ready to pick up on the evening of 22nd January, 2009. Unfortunately I was unable to carry out an inspection of the car until 25th January 2009, since then I have been contacting Arnold Clark and who have avoided me on every issue, and recently told me to speak to servicing. I have been advised today that it is you responsibility and not the dealership to resolve this matter hence this letter today. I have stopped using the car following the legal advice but will continue to make payments under protest although none are due within the next 14 days. I expect all advanced payments including my deposit, last months payment of £261 and subsequent monthly payments to be refunded fully. The mileage is currently 40,267 as of 2nd March 2009. I understand that under the above legislation, it is your responsibility to resolve the matter and would therefore ask that this is done within the next 14 days. You can contact me on XXXXXXXXXX Yours Sincerely

I've just spoken to consumer direct and the finance agreement is voided by the incorrect mileage under the Supply of Goods (Implied Terms) Act 1973 – Hire Purchase Agreement I am eligible to recover all payments and my deposit will let you know if this actually happens