Hi all Just an update! Zinc have tried contacting me through phone calls and by email I have ignored these, is that the best thing to do? I haven't even read the emails just I case they have asked for a read receipts do thisk this is the right way to do things? Regards john

Thanks so much this helps a lot

Thanks for the reply No the funds are no were near that amount but was concerned also about the 3000 threshold...

Hi all Sorry but I'm not sure what section to put this into! My mother whom is terminally ill is wanting to give all her three kids some of her savings before she dies, now I have read lots about this and still get confused! Apparently she can give any amount of money to whom she wants while she is alive! But if she dies before the 7 year point any monies she has gifted become taxable as part of the estate? Does this only count if the estates savings are over the £325000 threshold. Or is this any amount? I can't make head or tail of it... Could anybody explain in laymens terms? Thanks so much John.

Thanks so much for this slick regards john

So today I have received this letter from crs Following our initial letter , we are disapointed that your account with xercise 4 less is still in arrears and our fee has not been paid. We would still like to reach an amicable resolution to this, however, if you fail to respond to this letter, we will have no option but to commence further action to recover the monies owed. The options available to us are: 1. LEGAL ACTION We believe you are in breach of a legally binding contract with Xercise 4 less because you have not paid your membership and our fees. We may pursue a claim under contract through the courts. If we do so the following process would apply: 1. We will right a formal letter explaining what we are demanding and give you a final opportunity to pay/reply; 2. If this failed to settle the matter we would issue proceedings against you in the county court; 3. You could then either : a. make payment ,ending the legal process, or b. dispute some , or all, of the amount was owed 4. If you dispute the amount that was owed the court process would continue , at the end of which the court would make a decision on our claim. 5. A strict court imposed timescale will apply in relation to the court process. Were we to be successful in our claim, a county court judgment (cci) may be registered against you requiring you to make payment. You may also be liable for our costs of pursuing legal action and interest on the amount owed. If you then fail to pay the amount covered in the cci e would take the next steps required to enforce the judgement . To do this we would have to make an application to court. 2. OUTSOURCE TO EXTERNAL AGENTS Your account would be passed to another collection agency who will take further action to recover the monies owed. you can avoid this happening if within the next 10 days you contact us on 01444 44165 to arrange payment with us. Do you think i should reply to this letter?? thanks regards john

thanks so much for your quick reply

Hi all so today I had a text message from crs asking me to contact them as they sent me the letter a week ago and need to discuss it with me. is it best not to reply to this? I find it it a bit cheeky because they have obviously been in touch with exercise 4 less for my number but yet they don't seem to talk to each other in any other circumstances... regards john...

Thanks slick Just wasn't sure

Hi all, So I have had a letter from CRS today which goes as follows- We've been employed by xercise 4 less as your membership remains in arrears despite previous letters being sent to you. As a result of this , our fees totalling £ 66.50 have been added. Therefore, your account balance now stands at £ 171.47. WE WANT TO REACH AN AMICABLE RESOLUTION WITH YOU In order that we can do this, please ring our non-premium rate number-01444 449165. WHAT ARE YOUR OPTIONS! 1. you want to continue your membership- the club want nothing more than for you to get full benefits of your memberships. Providing you can pay your arrears and set up a new direct debit with us for your future payments, then they're happy to welcome you back in. you may be also entitled to a discount if you are able to settle your account balance in one payment. 2. You believe you've canclled your membership-We understand that numerous reasons why people stop going. We'll listen to you reasons and do everything we can to resolve your account in line with the terms of your membership. 3. You're experiencing financial difficulties-we know times can be tough and therefore have a variety of possible soloutions to assist you, including monthly payments plans that you can afford and recommending independent organisations that may be able to assist you in severe circumstances we'll cease further letters for 7 days, so please call us on 01444 449165 before then. do you think i should reply to this letter thanks all john....

Hi slick Yeah deffo x4l removing the posts. I've never posted anything contravening Facebook rules, or had any contact from Facebook suggesting my post as been removed.. They seem to remove a lot. Thanks for your input slick will update when there is any further contact. Regards john.

Update Well I keep posting on Facebook and there seems to be a lot of people in the same boat! They have removed some of my posts ! so I still continue to post on Facebook that they should take responsibility... I don't think it will be long before I'm blocked by them.. Regards john

Thanks slick

Thanks slick very kind of you.. Would you think I should write back to crs at this time. Regards john

Hi guys So I did as suggested, then x4l have replied saying the reason for that( i assume they mean harassment from harlands)is because of canceling the dd they would like me to contact them by pm as they require some personal details. I replied saying that they obviously knew what was going off and should take responsibility for the harassment from harlands. Up to yet I have had no response from my last comment.. This morning I have had a letter from crs as follows- We have been advised by Harlands , that you have stopped making payments under your membership agreement with X4L. Your balance is now to be paid in full, by no later than 15 may 16 The Harlands telephone lines are open9.00 am to 1.00 pm and 2.00 pm to 5.00 pm Monday to Friday. You should call HARLANDS HELPLINE as soon as possible on 01444 449 162 and pay the balance by Credit /debit card. Garlands would like to resolve this matter before further action is needed. However , under your agreement with Harlands, you have promised to pay this debt. If you continue to refuse to honour that commitment , Harlands will have no option but to take legal steps collect the outstanding balance. if you are unable to settle the balance in full, You should call Harlands immediately as they are able to discuss other repayment options... Is the next line of there defence ?? is it worth of a reply thanks so much for your input john...