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    • Do you think I should send the CCA request now then instead of waiting? I really can do without the stress. Any advice would be appreciated. Thank you for responding.
    • How was the "receiver" appointed and what is their role? Appointed by the lender under the terms of their security on the loan (sometimes referred to as "LPA Receiver")? Or are they acting for you in insolveny? What's the current role of the agent?
    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
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Gymetc/Harlands/CRS


leopard2609
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I joined Gymetc in November 2015, cancelled my direct debit in October 2016 after phoning the gym and being told I should cancel my direct debit.

 

2nd November 2016 my first letter from Harlands

- I phoned them explained I had cancelled,

I was told to phone the gym as they hadn't cancelled my membership.

 

 

When calling gymetc said I should provide written notice of cancellation,

I emailed them the same day asking them to cancel my membership and also mentioning I had contacted them by telephone in October.

 

Another letter from Harlands 30th November 2016 adding more money onto what they say I owe

- I again called explaining and they said they would get in touch with Gymetc as they hadn't received notification of my cancellation.

I called Harlands a week later asking if they had a reply from the gym which they hadn't.

They were chasing it.

 

10th January letter from CRS (Harlands) adding more fees.

I again called and they we're again calling Gymetc to query.

8th February another CRS letter

- the one where they threaten legal action.

 

Since cancelling I found out I didn't start paying my 12 month contract until January 2016.

I therefore believe I owe two monthly amounts to complete the 12 months, £21.99 x 2 = £43.98.

 

 

I found CAG and started reading similar stories,

I will no longer talk over the phone and have ignored text messages and calls since.

 

 

I sent a letter to Harlands/CRS using a template I found on here.

I offered £43.98 and a response within 14 days.

 

I've received a letter today declining my offer of £43.98.

It starts by saying cancelling my direct debit was not adequate notice of my intention to cancel.

It mentions the case of the office of fair trading versus Ashbourne Management services ltd.

 

 

It waffles on about all the charges and that I owe £196.48 but they would be willing to accept a reduced sum of £146.48.

 

What would you advise I do next?

 

Many thanks for your help!

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ignore them.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Leopard and welcome to CAG

 

You've already offered to pay Harlands to settle and they refused - excellent !

 

What did they say briefly when they replied.

 

:-)

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  • 4 months later...

Hi all, I'm back!

I've had many phone calls and a couple of letters from CRS since February, all of which I've ignored. I received a text two days ago from Zinc Group with a link to a letter. The letter basically just states what they say I owe and that I can either; pay a one off payment, three instalments or set up a weekly/fortnightly or monthly plan to suit me to pay it. It states at the bottom "Should you choose to pay a full and final settlement our client will update your credit file as ‘partially satisfied’."

 

Do I still ignore them or do I need to send a letter to Zinc?

 

Many thanks for you help

 

😊

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zinc nor ANY DCA or ANY debt have any legal powers whatsoever

and are NOT BAILIFFS

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ignore them, get onto social media and embarrass the gym on their own sites.

 

Lodge a formal complaint with the gym about their continued harassment of customers, and be mindful of reporting them to the CMA also.

 

Zinc are clowns, the gym is who you need to complain about.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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