This business has just been allowed to write off nearly £900,000 in debts and £180,000 in business rates. Then 2 weeks later reopens as the same shop?!?!?! First we hear of liquidation. http://www.examiner.co.uk/news/west-yorkshire-news/department-store-peters-huddersfield-set-10809505 Then we hear of his new look ?!?! http://www.examiner.co.uk/whats-on/shopping/huddersfield-department-store-peters-reveals-10853747 Then we hear of how bad their depts were considering he has now reopened a new store with the same name??! So no doubt he is living the good life, he will still have his big house and drive those crappy tractors known as Range Rovers. So what is going on? How has he got away wit this? He's playing the game yes? Just like those we allow to be in power. :mad2:

In the early months of 2010, Golden Eye (International) Ltd, a company connected with the Ben Dover porn brand, decided to chance their hand at obtaining settlements from alleged file-sharers in the UK. Although they successfully obtained the identities of alleged file-sharers through the court using the Tilly Bailey & Irvine (TBI) law firm, things quickly went wrong for GoldenEye. TBI pulled out due to bad publicity and the company was eventually fined late 2011 by the Solicitors Regulatory Authority for their mishandling of the cases. In September 2011, Golden Eye were back again, trying to extract money from Internet users via the previously untested route of the small claims court. But in December 2011 it all fell apart following proper scrutiny in the High Court. And now, in March 2012, unbelievably Golden Eye are back again with a third attempt. http://torrentfreak.com/pay-up-or-else-bittorrent-scheme-resurrected-in-uk-high-court-120309/ Posted this here for info, hopefully it wont take people by suprise like acs law. I download nothing, but always expect a letter lol

Hi everybody, I'm new to this forum - spent a lot of time reading other threads on the issue of Xercise 4 Less/Harlands/CRS last night and now feel a bit more informed than I did previously! But I would like some help to see if I have a leg to stand on here before I go into battle! I moved to Scotland in April, and subsequently joined the local Xercise 4 Less gym on the 27th on a 12 month contract at 14.99 per month. When joining, I also paid a £20.00 joining fee - taking my first total payment to £34.99. I find it important to state now that I NEVER set foot in the gym after joining. (This was confirmed by a woman I spoke to on the telephone last Monday, 12th October '15 - more on this later) I fell pregnant and didn't really feel like going then. I continued to pay for the membership and unfortunately lost the pregnancy at just 4 weeks. The company I was working for at the time - in short - went bust, and I was found without a job. I then found out I had fallen pregnant again and after losing my first pregnancy I certainly did not want to go to the gym due to my fears if anything else! For these reasons, I cancelled the direct debit with my bank online after approximately 3 months and 11 days of membership. My partner and I then moved into a new flat in the same town. With my direct debit cancelled, I did not find it appropriate to notify the gym of my change of address, as far as I was concerned, I was no longer a member. I also find it important to state at this point that I have been a member of other gyms in the past and they took cancellation of my direct debit payments as cancellation of the service they were providing and did not contact me further - I believed this would be the case with this company also. How wrong I was! On Monday, 12th October I received a letter from a company called CRS - I have found many letters the same on these threads so will just paraphrase: They say they have been employed by Xercise 4 Less as my membership remains in arrears despite letters being sent - I had not received these letters, but the gym remained to have my telephone number/email in their records, and I heard nothing from them through either of these channels. They say they have added their fees (£111.57) to my debt, and the balance is now sitting at £321.48 They then say they want to reach an amicable resolution and give contact details telling me to phone them. Stupidly, I did exactly that. I asked the man I spoke to why on earth I had to pay so much money. He continuously repeated to me that my account was in arrears. I had told him I was not happy to pay the fees, and also explained my reasons for leaving the gym. He froze my account for 7 days and demanded I prove I was pregnant by sending forms/paperwork to him. If I sent these forms the amount would be reduced "significantly" due to my pregnancy. I also phoned the gym and asked them what was going on. The woman I spoke to had confirmed that I had never set foot in the gym (she could tell from her electronic records). I asked her why I had to pay so much for a service I had joined but never took advantage of. She told me I owed the gym £219.00 and to sort it out with the Xercise 4 Less customer service team, and gave me a telephone number. I never phoned this number. I have done the basic maths after checking my bank account - - The payments made to Harlands totalled £64.97 - this is evident in payments taken from 11th May (34.99), 26th May (14.99) and 25th June (£14.99) ---thats just raised a question in itself, why did they take my joining fee so late, and why did they charge me twice in one month...surely they've taken 2 months of payment in one month?-- - If I was still paying for the gym, I would have only now paid them a further sum of approx. £25.98, another 2 months worth of membership give or take a few days. - Upon checking my bank statement for August I see they attempted to take £39.99 from me, but I had no notification from the bank that any payments had bounced, and we can see above that they haven't - I made the payments. I wonder why they were trying to take so much from me? So WHY do I owe them £321.48/£219.00 - I'm very confused as to which it is, as when the CRS "fees" are added, the total amounts to £330.57 - so is someone playing silly beggars?! Now...some questions! - From what I have read on other threads, CRS and Harlands are the same company - does this mean they have not sold my "debt" on to someone else and have no right to be using a different letterhead as a scare tactic? - Does the court ruling of The OFT vs AMSL in 2011 apply to me, and can I use it to back up my claim that cancellation of my direct debit was notice enough? - As I never used the service, do I have any differing cancellation rights? - As the amount I'm being charged is absolutely out of this world, am I right in thinking that this is made up of silly fees/penalties and as such cannot be enforced? Remember, I've been told as I'm pregnant the amount can be reduced significantly. Why/how if they are not just pointless unlawful penalties? - I will no longer speak with any of the companies on the telephone, and will only have written correspondence. As there are a few lingering days at the beginning and end of the membership I am happy to offer them a month's payment (£14.99) as a good will gesture and final settlement of fees owed. Is this within my rights and would you say this was sensible to do? - Do I speak with Harlands on this matter? I do not want to speak with CRS (although I realise they are one and the same). Any help would be greatly appreciated! I must admit I was very upset when I first received the letter but now I am furious that they are trying to take money from me, especially at a time when this so called debt amounts to the price of my baby's pram, car seat and changing bag all in one! Thank you in advance, Elvie

Hi everyone, I'm new to the forum having been recommended by a mate - I have several outstanding debts dating back to pre-2007 and have been in a DMP since 2008/9 paying £100 a month that is distributed to ten different DCAs. I have recently lost my job and in my 60s... I need to know how I can clear these debts as it is affecting my health and preventing me from getting a new job - because of the industry I work in. I have a very small pension and no other income so am now struggling to even pay the £100 per month. The debts are totalling roughly £40k and I am now at my wits end. My friend has suggested I send CCA letters to all of the DCAs which I am going to do this weekend. I'm also going to read as much as I can on these forums to 'educate' my self a bit more but would be grateful for any advice or suggestions. Thank you

Hi I'm Dan, just joined today after a morbidly disappointing realisation that credit agencies are a law unto themselves. So Hi all Hope I can be useful and hope people can help me to.

Evening all I would like some advice on 2 debt's i have listed on my credit report,both are a couple of years old. One is with santander for around £1500 The other is with link financial (was a barclaycard) for nearly £7000. I dont hear from santander as i dont think they have my current address! and link financial only contact me by e-mail asking me to call them urgently. I would like to get rid of these debts and wondered what the best solution is?? have read about asking for credit agreements,is this something i should do? or am i better off offering a settlement figure? Thanks Naylz

Hi there in need of some advice I started working for an aerial & satellite company I was totally mis-sold the job at a open day reluctantly I got offered a trainee role I was a bit in two minds as I had no experience in the field so I went along to my induction (if you can call it that) upon arrival I was greeted with chaos and the pa wasn't even ready so upon dumping piles of paperwork in front of me nothing was explainec apart from sign this sign that, I did skip read most things but she seemed to not know how to explain things clear anyway my health and safety training was to sit in front of a computer to watch a poor h&s PowerPoint presentation I left knowing the following day I was due to start a basic aerial course Upon arriving at the hotel the room wasn't even paid for so straight away that was strike 2 for me of how unorganised this company was, after 1 day of the course and speaking to current employees and hearing how bad the company actually was to work for after being sold it was amazing at the open day I decided there and then to leave after only 5hrs I explained to them job wasn't for me Anyway there now want me to pay back training course and hotel The hotel was booked at room rate it was shared with another employee and I didn't even sleep in it It was used by the employee for the duration of course and the course on the official website can be booked by the company for 220 yet they think I owe them 550 for course and hotel I'm after some advice what to reply I think it's unreasonable apparently I signed a form to say I would pay it back I don't remember this as my induction was so poor Help needed please Thank you

I recently got an annual PPI staement from Capital One to show me all aobut the PPI I have been paying since 2000 ? ANNUAL !! I've never seen one of these before ? i rang them and told them that I didnt know I had PPI. The guy on the phone cancelled the PPI for me and then sent me a complaint form. I filled this in to the best of my knowledge (bearing in mind that this was 15 years ago) and the reply I got from them was long and quite rude to be honest. The guy in charge of PPI claims said this was a non advised sale and said that Capital One would not offer any repayment of PPI. He also sent a bad copy of the origianl agreement. I am left handed with scrawly writing. There are TICKS on a few boxes on the form which I did to indicate that I was a MR etc. But the TICKS on the PPI request section are clearly the result of someone trying to copy a left handed TICK. The guy who wrote the letter went to some detail to say that Capital One NEVER pre populate a form. And I believe him. This form was populated AFTER I sent it to them? I wrote to them 7 days ago to request a Hi Resolution colour photocopy or photograph of the (bad photocopy original)form they sent me in the reply. far no reply but I will call them on Monday to ask if my letter has been received. If not then I will send it again but this time it will be recordred and signed for. To be honest the Hi Res image is not really required as the Ticks on the form have obviously been done by another hand. Possibly a right handed person trying to copy my scruffy lefty ticks I just want the Hi Res Colour copy to see if they have bothered to use the same colour ink? From previous comments I have read about Cap One I think I may be in for a bit of a battle. But hey!! They owe me around £5k ? Regards Perry

I was looking for a place to park near a local station. There is an NPC park and ride there, with a few bays, but I've noticed there is a road that goes around the bays with no yellow lines, and it's not clear whether or not it is a part of the car park or not, as there is only 1 sign at the back. There is plenty of room to park here, and others do, but just wanted to know if it is a part of it or not. Here is a google street view link which is pointing at the place I want to park, spin around and you will see the entrance road and the car park. https://goo.gl/maps/oJRbp There are no "You will be charged" signs anywhere, nothing on the entrance, if you took a right turn from the road leading in, you wouldn't even go past the sign. EDIT: Here are some pictures of the sign taken today. I couldn't even read the T&C's while standing right infront of it. http://imgur.com/a/G9sOM

This is my first post so hopefully I have added into the right section We purchased a brand new car last June with lifetime warranty with Vauxhall. We have had the car for a year and we ran up 40,000 miles in that time but did not get it serviced at 20,000. Red warning light came on and car broke down about hr later. Been told a water pump leak has caused engine damage and looking at £8,500 repair as engine has been condemned by vauhall. As we had not serviced it they have refused warranty claim. We put our hands up and acknowledge this should have been done Question is...do we put this down to a very expensive experience or is there anything we can do? We have tried Vauxhall direct to see if they would meet some of the costs but they are saying no Any advice appreciated

I read quite a few of the posts regarding these issues, and some seem to struggle to get practice advice. That staff and some members are very knowledgeable is clear, but sometimes the total (and understandable) lack of background knowledge on the issues seems to leave some requesters of help struggling to understand what may be for the best it seems to me. Perhaps a few stickies heading this forum from the knowledgeable would be of benefit? Basic rights of people and TVL What to expect on a visit or after receiving something more than their standard 'veiled threat/insite fear in the innocent' letters Options for pro-active action and any pitfalls eg removal of implied right of access or notifying TVL of charges for processing standard letters received or visits from 'enforcers'. I know I am far from clear on the issues despite reading a number of threads.

So, it is ok for this to happen when the NHS want to save money, but someone who is already suffering from a dreadful disease who wants to end their life.. Cannot do so ??

Hi all, I am writing as I too have received a letter from TFL where they threaten to prosecute me. The incident happened in the train in March. I use a type of ticket that you buy in advance and fill in with the date of the journey when you travel. I was going back home after work, tired, sleepy, and I filled in the date on my ticket and accidentally entered a future date as I am so dumb I was convinced it was a different date. I was so convinced that I didnt even bother to double check in the calendar. When I arrived at the destination station, I was asked to show my ticket and the inspector checked it and told me, hey this is not today's date. He wanted me to pay the fine and I asked, is there any way to avoid this, as it's clearly been an honest mistake? and he said, yh I can take your details and the company will write to you to ask for your version. I thought, that is really fair!! I will give my version and then they will decide whether I have to pay or not!! Surprise surprise........"the company asking for my version" is a letter of intention to prosecute. I have already replied to them explaining what happened but I assume it is going to be useless. I have some questions, and I was hoping somebody here could help. I have read I could be prosecuted in 2 different ways (I copy and paste from another thread): - The most serious is section 5 of the Regulation of Railways Act 1889, criminal, requires intent to avoid fare, fine up to level 3 (£1000), or for second or subsequent offence can at discretion of court lead to imprisonment up to 3 months. - Railway byelaws (both sections 17 and 18), criminal, strict liability (no intent needed), fine up to level 3 (£1000) except byelaw 17 My questions are: - Will I know before going to court what law they are prosecuting me under? Can they change their mind at a later point? - If its the railways act, do they have to prove to avoid fare? I might have a fighting chance at demonstrating I had no intent of doing so. - If its the railway bylaws, then they dont need to prove intent. However is there any circumstance under which their evidence would not be admissible? The inspector was a 17 yr old bully and I believe he made some errors, e.g. wrote comments on my witness statement on a section that was meant for my comments, pressured me into signing, did not explain why he was taking my details and told me it was just 'to give my version' - Can I subpaena documents/CCTV for my defence? I am a fighter and will certainly not go down without a fight. At this point I dont care about the money. I only care about being turned into a criminal. I am most certainly not a criminal. I volunteer for two charities where I work with children and I need an enhanced DBS, so criminal record would mean no more volunteering. I am really shocked. In my country these issues are not covered by criminal law, they are covered by administration law and you would NEVER get a criminal record for such a matter. I don't know who had this idea but it sounds really out of proportion. Thanks for any help that you might give.

Have just resolved an issue with Direct Bikes with a satisfactory outcome http://www.consumeractiongroup.co.uk/forum/showthread.php?440312-Direct-Bikes-more-consumer-disatisfaction-**Resolved** however about a week later another issue with the moped occurred whilst my son was out riding it. Suffice to say I had to go out and rescue him and from the explanation of what happened and the lack of any resistance from the engine when it turned over I feared the worst. So he and I stripped the engine down and found the exhaust valve had broken, dropped into the engine holed the piston and generally destroyed the top end of the engine. Knowing the problems I had previously with Direct Bikes I bought the spare parts and repaired the bike at a cost of around £70. I contacted Direct bikes and said, I enclose for you two photographs of my sons moped which stopped working whilst he was out on Saturday 15th Feb 2015 and needed to be rescued from the road side. I have now dismantled the engine to find massive internal damage. Having sought an engineers advice it would appear that my diagnose and his agree on the cause. It would appear the exhaust valve has fail and dropped onto the piston with the consequences one might expect. As a result, the piston, valves, barrel and cylinder head all need replacing. The engineer is clear that this part should not have failed after five months of use. Therefore, I now find myself in the position with yourselves which I did with the clutch previously. I am prepared to settle this matter by accepting replacement part which is by far the cheapest part of the work which needs doing and ask for no other costs. I would ask you consider this matter with some urgency as I would wish to have the moped back on the road as soon as possible. Should you not respond within five working days I will source the parts and pursue other ways of re-dress. Now due to a technical issue Direct Bikes could not open the attached photos, allegedly, so I sent a copy of the letter by signed for mail. They responded by asking for the mileage of the Bike which is only 3500 KM and then they responded with the mother of all reply which I thought I needed to share with the world so here it is.......................... We will not be entertaining this matter any further. You are fully aware you have failed to service your bike as required and that you bike needs to be serviced and maintained by an approved service centre. Despite this you have continued to ignore. You have not informed us of any such engine issue prior and have taken it upon yourself to dismantled the engine, tampering with the goods, you are not an approved service centre. Upon further investigation, we note from our prior correspondence to you we clearly stated to you 'to make payment of £89 to your card in full and final settlement of your scooter purchase.' Payment was made and accepted by you. It was a 'full and final settlement for you scooter purchase', you had a choice at that time to accept this or not. You accepted the offer and so and in turn you cannot subsequently bring a further claim for your purchased scooter. If you are unaware of the law we suggest you contact a solicitor. If we hear any further we will be contacting the Police. Any such claim from you we will not be settling like last time and will defend fully with a barrister and costs. Any such costs we will seek in full from you. No further correspondence will be made with you. Kind regards, Direct Bikes Well are they worried??? Or just part of a terrorist cell about to take me out??????

Hi, I have had a county court letter for Parking Eye. I have submitted Acknowledgement and now need to submit a skeleton defence. I dont know what Im defending as the letter dosent state anything but the date and time can you tell me if there is a template I should use, In need to get this in asap so any help would be much appreciated

HELP I have received a hand delivered letter in my letter box today from BAILIFFS It is addressed to my son who hasn't lived here since he was 17. I dont normally open any of his post and just bin it however this letter was not totally in its envelope. I have been estranged from him since he was this age as he was in considerable trouble with the police Now I have notice that these people are to return to my address to remove goods Help what can I do

can I claim PPI refund on accounts that go back about 15-20 years ago? im talking about Midland bank, RBS, MBNA...ect. have no paperwork and probably "knocked" a few of them! hear so many conflicting reports so thought I would ask here!? Thanks Steve.

Hi, I stumbled across this forum when I was looking for help following receipt of an N1 form I received from the court following a dispute with a contractor. I'm just going take some time to look around and get myself orientated. It looks like there are some good people here so I hope I've come to the right place

Has anyone read this yet if so what are your thoughts on it see below for the link https://www.gov.uk/government/news/cma-finalises-proposals-to-lower-payday-loan-costs

I know from experience that Capital One are not going to give in easily and more likely to refuse point blank to my claim for mis-sold PPI. However, back in the early 2000's I took advantage of what I recall was an automatic acceptance short application process to their credit card. I was working full time in a well paid job which from memory had a good sickness plan for management employees. However the organisation has been long taken over by various companies and I wouldn't have access to evidence of this. I have sar'd Cap One and recieved some information but they have NOT sent a copy of the original agreement or application form so I will not be aware if I did or didn't accept PPI. I remember back then that their marketing strategy appeared to infere that if you didn't take out PPI the loan or card would not be approved, but I don't think I can prove that after all these years.I know I wasn't asked any medical questions and I now know that pre-existing conditions would not be considered. Therefore, I believe I would have been exempt. There was also an annual membership fee applied to the account, including an upgrade fee all of which were £29. If PPI was mis-sold shouldn't they refund the membership fee as well? (1) Should I write back and try to obtain more information on my application form/agreement etc? but based on experience I expect to get the usual fobbed off excuse and it will be wasting my time. (2) I know from personal experience that the court route with these highway robbers will be stressful so I am wondering how long it will take if it ends up with going the FOS route and what interest would be applied? Any guidance or help would be very much appreciated. Cheers

Well its been a while since I have needed any help as I thought I had sorted everything as I have a crystal Credit file (at Last and thanks to the info on this site!!). Now I have just checked my better half Credit file and it has a CCJ registered in her maiden name back in feb 2014 for an amount we both know nothing about! We moved house in 2013, and I had to sort all our Credit files out ensure we could get a mortgage! So I CCA'd etc and checked credit files back in feb 2012 and no paperwork was produced within the time limits letters where sent back stating they have closed the matter etc. So I am now at a loss on which avenue to chase do I contact the courts with the case number and ask for all paperwork? then see if its a matter of SB or can be set aside? Sorry for the long winded write up but I am proper confused! Thanks

I have the Equifax credit checking thingy and have been checking it fairly regularly recently to see how a settled account is affecting my score. I pressed the button to update my score today and was pleased to see that it had actually came up a good bit but in looking further down the page the 'electoral roll' section was red, its always been yellow before because I have lived at my current address for less than three years. I clicked it to see that I am no longer listed as being on the register so I called them to dispute this and the told me this weird thing which I certainly didn't know and thought it might be of interest to others. Every year on January 1st everyone's file is changed to not being on the electoral register until such times as the council confirms that they are in fact on it. Apparently this can take till the end of January which I don't understand either since my council updates theirs in June each year. Its a system thing apparently as soon as the year changes you are bumped off the register until such times as they put you back on it. This doesn't seem fair to me, what if I was applying for credit right now and my file says i'm not on it when I am. Surely a fairer system would be to keep everyone on it until the council updates to confirm whether you are still registered or not? Am I the only one a bit confused by this?

Just got a letter from moorcrap supposedly in response to a s78 request for a personal loan taken out in 2009....Hmm not quite complied lol. My first query is under key information it states arrears letter charge = £25 unpaid direct debit charge = £25 I thought these charges were altered to £12 in 2006? I know they were for credit cards, not sure about loans. Also at the bottom right hand corner it gives a date of, May 2005?? how significant is this regards Jack

evening hope somebody can give me some advice to put my mind at rest, came home from work and there was a open letter in a envelope that says High court enforcement by hand urgent removal of goods pushed through my door inside letter high court form no55 notice of seizure the name on it is my soon to be ex husband he hasnt lived here for 5 months please can somebody advice me what to do? thank you in advance

I financed a Chrysler Voyager in 2001 from Garage A with the last payment due in 2004. I also took out Chrysler Jeep Assurance with the Contract purchase for the car called Chrysler Creditor Protection Insurance for 36 months at £127.61 per month[£4593.96] At the bottom of the page and at the top is the words Chrysler Jeep Finance. As a self employed person there is little doubt that this is PPI, and I should be entitled to the sum paid refunded plus interest. Initially I went after Garage A who referred me to Chrysler, who insisted it was nothing to do with them, and referred me to the Financial Ombudsman. Continuing my research I now discover that the underwriters for this policy are London General Insurance Company who say it is nothing to do with them and referred me to the Financial Ombudsman Now follows the recent communication from the Ombudsman When we spoke, I explained that we are still in the process of trying to establish whether we can hold the underwriter London General Insurance Company Limited (“LGIC”) responsible for your complaint. I understand your point that the underwriter, LGIC should accept responsibility for the business that was selling it’s policy to you. However, we are restricted in that we can only hold LGIC responsible if it is established that Garage A was acting as an agent of LGIC. This is not something that I have any power to change, it is a question of how far our legal powers stretch. There are two scenarios that would mean we could look at your complaint against LGIC. We could either establish that Garage A was acting directly as an agent of LGIC, which from looking at your complaint seems unlikely to have been the case. Alternatively, we could establish that Garage A was acting as an agent of the lender Chrysler Jeep Finance (“CJF”), which in turn was acting as an agent of LGIC. As explained on the phone, I contacted the lender yesterday to gather information that should help me to establish whether this was the case, and whether ultimately we are able to take your complaint any further. Although it is clear that the seller, lender and underwriter had a commercial relationship with one another, this does not necessarily mean that any of the businesses had an agency relationship to one another. So at this stage, it remains unclear whether your complaint is one that we can consider. Because of this, I want to be transparent. I cannot confirm yet whether we will be able to take your complaint any further, but from looking at your complaint as it stands I think it unlikely that we will be able to hold LGIC responsible. I say this because you policy was sold to you by a car dealership, and from our experience it is unusual for independent car dealerships to be acting as agents of lenders. Again, I will not be able to confirm this until I receive the information I need back from the lender, but I want to make you aware of what I think is likely to happen so that you can make an informed decision about what you want to do next. My most recent phone call gave me no encouragement at all[yesterday] I do know that Garage A had an agency for Chrysler cars at that time, because they then lost it to another local garage by the time I came to replace the Chrysler. HELP!!! Should I take this to the small claims court, and if so, who? WHAT DO I DO TO GET MY FUNDS BACK Any advice at this stage would be welcome.