Jump to content


  • Tweets

  • Posts

    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • did you submit your directions
  • Recommended Topics

  • Our picks

    • 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
      • 161 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
        • Like
  • Recommended Topics

Harlands and Xercise 4 Less **RESOLVED**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2592 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there, Wonder if I can get some guidance on my situation with xercise4less and Harlands.

 

Cancelled direct debit around August 2016 because wasn’t using the facility anymore and the 12 month contract expired ages ago. Didn’t contact the gym to advise of cancellation until Harlands chased payment the following month.

 

Went around the houses a bit until eventually phoned Harlands again in December stating this is cancelled from months before but realise didn’t actually tell the gym so paid all outstanding instalments and admin charges (about £100 by this point). Really fed up but didn’t realise the charges were unenforceable - then assumed matter closed, arrears brought up to date and membership terminated.

 

Receive standard letter re January missed instalment and another £25 admin charge 31st Jan - Responded with this letter (sent to Harland’s and xercise for less):-

 

Dear Harlands,

 

Membership with Xercise 4 Less Quote Reference: xx

 

I write to confirm I have cancelled this membership arrangement. Can you please respond to confirm my cancellation is updated on your record? Please confirm I owe no further money I have been trying to cancel this membership and have not used the service for over 6 months.

 

I have called the hardlands helpline two times to cancel and I have paid off your charges in December. I am now up to date. Please confirm no further action is required from me.

 

I have a learning disability. Please can you respond in writing so I can get somebody to help me understand? I don’t understand from phoning the helpline why I have been charged more money since I wanted to cancel. Many thanks for your help,

 

14th Feb - Receive this letter from Harlands: Dear Jimbob We are disappointed you have not responded to our previous correspondence. The February instalment has now been missed…. Admin fee £25 etc etc Call harlands helpline to make payments… lines are open etc If you do not call by 24 February 17 the collection of membership fees will cease to be administered by Harlands and will be passed to a debt recovery agency.

 

This may incur you significant additional fees and ultimately result in court action.

 

20th February - Replied with this letter. Sent recorded to Harlands and xercise for less:-

 

Dear Harlands

 

Re: my cancelled membership to Xercise for less Quote Reference: xx

 

I write, in response to your letter 14 February 2017. I have indeed responded to your previous correspondence I am disappointed you have not responded to my previous correspondence (copy enclosed) No further instalments to xercise for less are due since I advised you of cancellation of my membership. No further administration charges are appropriate, these are unlawful.

 

I await your revised response in writing confirming your records are now up to date, otherwise I consider this matter closed. Kind regards

 

23rd February - Receive this response (written exactly like this!) Further to your recent letters to our offices, Harlands can confirm that the agreement has not been cancelled as of yet as not cancellation has been sent from xercise 4 Less head office. We await their contact

 

6th March - Receive this email from gym Hi Jim, I have spoken to our Membership support team regarding your membership. You need to reinstate your DD and cancel your membership and pay off any outstanding arrears on your account. Healthy regards

 

6th March - Receive letter from CRS advising arrears now £69.98 and the usual information to pay via Harlands helpline by 12th March and the threat of legal action as next steps.

 

Do I sent another letter, or resend my previous letter to CRS?

 

Should I respond to the gym manager?

 

Thanks in advice for any help..

 

Apologies. I wrote post with line breaks! Hope that is not too hard to read?

Link to post
Share on other sites

Hi JC and welcome to CAG

 

It's way too hard to read in a block like that but the format can go wrong depending on the device you're using.

 

I'll sort it for you now adding para spacing and, by the time I've done that, I'll have read your post and will reply ..............

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

i'd be go getting that payment back

was it by a debit card

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... 

Link to post
Share on other sites

Hi JC and you post above is now legible :wink:

 

I hope you've read other threads here by now. If you have, you'll realise you should never have paid Harlands the £100 you referred to in para 3 of your post above. However, that's done and in the past so forget it.

 

We now need to make sure you pay nothing more to Harlands/CRS, regardless of their demands and threats. We'll help you with this !

 

If you want, I can draft you a letter you can send to X4Less which should get them to tell Harlands to clear off.

 

Do you want me to do this for you, or you could draft your own letter on here and I'll check it.

 

Let us know..........

 

In any event, do NOT worry any more about threats from Harlands/CRS - they're full of Hot Air and will do NOTHING !! :wink:

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks for sorting that and thank you for the reply. Yes please, if you draft a letter I will send to the gym. I realise now I should not have phoned in December but I didn't find this forum until it was too late!

Link to post
Share on other sites

Letter to X4Less as follows. Send by Royal Mail Signed For delivery :-

 

Xercise4Less

1, Kirkstall Industrial Estate

Kirkstall Rd

Leeds

LS4 2AZ

 

Dear Xercise4Less,

 

Membership at [town/city] gym

 

I refer to my membership at xxxxx gym which was past the initial 12 month minimum membership term.

 

I wanted to cancel but failed to give you notice as I should have done. As a result, Harlands contacted me and demanded over £100 which I paid for gym fees and their "Admin" fees. I now realise I should NOT have paid their demands as they made me pay admin fees that I didn't owe.

 

Since then Harlands have continued to harass me saying I've still failed to cancel my gym agreement and I owe even more.

 

You now need to tell Harlands to stop contacting me any more. If they contact me again, I'll make formal complaints to Trading Standards and The CMA.

 

I require your confirmation in writing that this matter is now closed as I paid Harlands more than I owed when I failed to give the gym the required 1 month's notice.

 

Yours faithfully,

 

Keep us posted :-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks for that. Is that the address I should use? I have been sending letters to the actual gym so far.

 

Should I also send this in response to the email contact from x 4 less? Or just a letter.

Link to post
Share on other sites

Hi JC,

 

Just the letter to X4Less Head Office with proof of postage.

 

Email or letter to the local gym will prob end up in their bin !

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 2 weeks later...

Hi There, J

 

ust a quick update, to thank you Slick for the help and to let you know got this response from the gym today

 

********* Thank you for your letter to Xercise4less head office We are happy to confirm that your membership is now cancelled.

 

We have informed Harlands to clear all charges to your name as no further charges are owed *******

 

Its cost more than a months gym fees in recorded letters but glad this is resolved now.

 

Good luck to anyone else following

- what a nightmare these companies are to deal with!

 

 

**Edited to add in line breaks again which wont save??***

Edited by JimCrick84
Link to post
Share on other sites

Hi JC and this is good news.

 

Enjoy the peace and quiet now Harlands/CRS will not be harassing you any more.

 

Thread title now reflects your result.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...