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    • now owned by Kensington  prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  have a look at post 8 here Trying to find contact details for prime credit 5 S.a.r.l - Welcome Finance - National Consumer Service  
    • Really? I don't think we would have known.
    • matters no they know it early as it twill be a bland generic defence nothing specific. Lowell claimform - old Talk Talk landline/broadband debt - Financial Legal Issues - National Consumer Service    
    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi all,

 

Sorry in advance, I know gym membership has been done to death. I am hoping for some specific advice.

 

I cancelled my membership at LA Fitness a couple of months into the contract and signed up elsewhere because I wasn't happy with the gym. Old, broken down equipment etc was my main complaint. I sent their head office a letter explaining why I was cancelling.

 

I received no reply to my complaint from LA but began being pestered by ARC. I sent my complaint letter to LA Fitness again, including another letter asking for a signed copy of my CCA and including a £1 postal order. This letter was signed for but I got no reply.

 

I continued to be chased by ARC and Trevor Nunn. I ignored all their letters and am now being chased by Scotcall who threaten doortep collection.

 

I intend on ignoring them too but wondered if I this is really the right thing to do? LA Fitness can't be bothered to respond to my complaint, that much is clear, or provide me with a copy of my CCA. Should i send my complaint and CCA request to Scotcall instead in the hope it will be read? Are LA legally allowed to pass an account to debt collectors when it is in dspute?

 

Thanks for your help,

A.

 

:)

Edited by Raspberry Beret
Too much waffle!

-->> Supporting Dog Rescue <<--

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Hi RB,

 

As you sent them a CCA request, I assume there was a credit agreement governing a loan taken out to join the gym.

 

I think you should write to the gym confirming why you cancelled your m/ship and enclose copy letters sent to date.

 

Tell them they are in breach of the OFT Guidelines on Debt Collection including, but not limited to, Sections 2.6(h), 2.8(i) and 2.8(k) and will therefore be reported to Trading Standards and to the FOS.

 

Confirm in your letter that you will not discuss this by phone and they must reply in writing.

 

See the link to the OFT DCGuidelines in my signature below.

 

You can send to any DCA a copy of your letter to the gym to warn them off.

 

See if you get any reply.

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Refer to my post (Virgin Active instructed to pay up).

 

I took Virgin Active to court first and won! It was a doddle. I was even allowed to claim for my parking and sandwich on the day.

 

Once you've won you've got a great claim then for harassment from ARC.

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  • 1 month later...

Something that may help LA folks. If you look at the agreement of the contract it does state that memberships will not be cancelled if you write in. You must PHONE in your cancellation to the member services department. Phoneing the club won't work. I've seen a lot of these LA threads saying people wrote in cancelling memberships and didnt have them cancelled. This would be why.

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As someone that managed LA clubs (for my sins I am now a reformed character) the reasoon they put in T&C's you have to phone to cancel is a ploy to talk you out of cancelling. If it helps we had an incident in a club near mine where they cancelled memberships as someone had cited the provision of services act (kinda like the sale of goods act but relates to things on contracts normally phone contracts etc) as they said the services provided by the club were not the same as what they had been led to believe they would be by the salesperson when they signed their contract - Consumer Direct were involved and LA cancelled the contract.

Just a thought for you

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