Hello Last year, me and my girlfriend joined an X4L gym on a monthly contract basis. We paid the first month on the spot when joining (28th Oct) and shortly after had a bad experience. I went online and saw how bad this place is and we decided to cancel. I wrote down all the things I had to do and when, hoping to avoid this. I sent the cancellation request on 9th Nov online as instructed, saved the 'receipt' and also have the confirmation email that came through a few days later. I allowed the final payment to come out on the 27th Nov and then cancelled the DD on the 28th Nov. That's 48 days before the following payment would have been. I've stuck to the terms, yet here we are. As I mentioned, we both joined. I did everything for us both at the same time. I haven't heard a thing from them, but they are chasing my girlfriend. So far, their demands are 2 months membership plus x2 £25 penalties (sorry, 'admin fees'). Most threads around here are people cancelling DD without letting them know, etc. I can't be bothered to write a letter and post it, considering it's obvious they don't care and will just continue. I just wanted to check, am I OK to bounce their emails and forget about it? I know they have no powers... Or, shall I send a letter with the dates in, anything else?

My line manager recently resigned, a new director has taken over the team in my first conversation I have with the new director he tells me "You are going onto a PIP". I was pretty shocked as had no warning from anyone, written or verbal, that this was coming. I was already feeling stressed prior to this and this tipped me over so I have been on sick leave for past 2 weeks and just been signed off for another 2 weeks. (I have had virtually no sick days in 12 years prior with my employer). The PIP objectives themselves have not yet been discussed or agreed / signed by me. My questions are 1) Has correct process been followed for the PIP? (i.e no warning is required?) 2) I learnt yesterday that because I am on a PIP my boss has option to only pay me Statutory sick pay and that's what he has instigated for next 2 weeks. Is this legal even if PIP has not been signed / formally agreed with me? 3) Linked to 2) as this was unexpected (it places potential financial stress on me when I am already off with stress). Is that fair or does impact on me not matter? Thanks in advance for responses p:s - Background is below if this helps with responses to the above I have been with my financial services employer for 12 years and have always had ok to very good performance reviews over the years. I moved roles about 10 months ago (Having been in a very stressful role previously) The new role is very much spreadsheet reviews of very complex datasets (not my strength) although certain aspects of the role I did well. When I did get feedback I only got 2 pieces (one from a peer who has a "coordinating role") and one from my line manager. My line manager didn't give written feedback just answered some questions which require a "Always, often, sometimes, seldom, never" type response. His responses were "sometimes". When I arranged a meeting to go through his responses, he explained that sometimes I do something well and sometimes I don't (how enlightening!).

Hi all. Well what a lovely end to the week! Very briefly... i went to a local mini retail park on Newport road in Cardiff. Spent no more than 10 mins in Argos if that. Put a large box in my car. Went to Aldi again no more than 10 mins in there (walked out after not wanting to que) and i come back to find i ticket on my windscreen. Now back tracking, i work somewhere i have to park in a supermarket car park where im constantly having my car banged and scraped. when i go to park in the retail park i know im gong to have a heavy box (was buying a desk chair) so wanted to park as close as i could and when i go to pull in the car in the space next to me is completely on the wonk, and i just think there is no way im parking close to that idiot so i park over the next line. Now i do admit its annoying when people do this. However i dont expect to get charged £60 for the pleasure especially when its no more than a 20 min time period. What annoyed me most was the car that was parked far worse than i was had been there the whole time and they hadn't got a ticket. Can you please advise me what to do. If you think its pointless fighting as i was over the line id rather just suck it up and pay the lower fee. But £60!!! Jease

Hello, A friend of mine has approached with their PCN they have received from NCP for not correctly parking within the lines of the space. This is new to me. In my mind how can they make any claim for this, espcially having suffered no loss. Also the car park is poorly maintained and the white lines are in fact just very small T bar at the start of the bay. Can they claim for not parking correctly in a bay? surely this is something to be appealed like all other pcn I cant upload a copy of the PCN at moment, but it is a standard one stating £50 or £100. The car park is the NCP at Haywards Heath Harlands Road. The ticket has a code F2 written on it for the contravention with date and time. The PCN number is REDACTED and the vehicle reg is REDACTED you can log onto their website to see the photos www.ncp.co.uk/pcn

My wife has received a PCN from a Harrow Council civil enforcement officer, saying she was parked outside the parking bay markings where she parked. This was because a van had been parked similarly before the other drivers arrived and parked. The other drivers arriving to park were also having to park ouside their bay markings. None were grossly over their bay markings to take out a parking bay or to cause a danger to other drivers. Only my wife's car received a PCN. No video or photographic evidence is included with the Council's PCN record so there is no visual evidence from the Council to back up their officer's claim. My wife has a photo of another car similarly parked that did not have a PCN fixed to the windscreen and a witness statement confirming the details of the whole situation. What are the reasonable grounds for an appeal and is it likely that the PCN will be cancelled?

A number of frequent posters on the forum have said that they would like to have a thread so that we can discuss the procedures available for debtors if they consider that a bailiff has done something wrong. The thread can be used to discuss a variety of scenarios such as: What is the correct procedure for debtors to take if a bailiff clamps their car which is on finance? What should a debtor do if the bailiff has clamped or removed their car and it is needed for their employment. Can a bailiff charge a fee if the address on the warrant is wrong. PS: We had a similar thread when the new regulations came into effect on 6th April and that was extremely useful and provided a great source of information to frequent posters on the forum. This new thread should be the same.

Hello again, I received this PCN. I was not aware that I had parked incorrectly at the time, this was probably because I was getting my kids out the car and my daughter needed to go to the toilet so I was preoccupied with all that. None the less, I did parked crookedly, there was a car parked to the left of my car, but by the time I came back the car was gone. I have attached some photos. I just want to know if its worse appealing? This is the first time I have ever received a ticket of this type. It was a pay and display little car park. Any advice greatly appreciated. Thanks

Hi, In September 2009 I opened a Natwest Student Account with a £1400 interest free overdraft. I stayed within my authorized overdraft being careful never to go over it. They started requesting I repay the whole overdraft as I was not using the account. On the 3rd December 2010 Natwest sent me a default notice in accordance with the requirements on the CCA. The account was registered as defaulted almost seven months later with the default date on Experian showing as 30/06/2011. However a month before the default date, on the 05/05/2011, I set up a payment schedule with Wescott who were then dealing with the debt and made a £100 payment which is reflected on the credit file. The default was registered the next month anyway. Does anyone know if the default was correctly registered?