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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Credit Resolution Service (CRS) / Harlands asking for £560


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Hi guys,

Read some posts here to get an idea of what I'm dealing with.

 

I joined the gym late December and had 1 month free then my first payment went in January 2017 for £30ish. It was a 12 month contract.

 

I cancelled my membership in January as I sustained an injury and was not sure when I could be back in.

 

I messaged the gym yesterday who said to go contact Harlands (which I'm not doing unless suggested to me by you guys)

 

 

The letter states

"We have been employed by the gym as your membership remains in arreas despite previous letters being sent to you. As a result of this, our fees totalling £145 have been added therefore your account balance now stands at £560"

 

This is the first and only letter I have received from them by the way.

 

What should I do?

 

Hope this won't affect my credit rating.

 

Thanks for your replies.

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Read the other threads about harlands. They cannot touch you at all and definitley wont touch your credit file.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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slick132 letter offering one months payment as you ideally should give 30days notice before cancelling

but no unlawful admin fees

 

 

write do not email

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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just about every other thread here has it.

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 NGG and welcome to CAG

 

Use this but adapt it to reflect your own case :-

 

Dear sir or madam,

 

I refer to my membership at xxx gymicon in [Town].

 

I cancelled my direct debit mandate in January 2017 because I sustained an injury and my GP said I should not use the gym for the foreseeable future moving away. I informed the gym of my circumstances and they told me to contact you. However, I have no obligation to contact Harlands, having told the gym of my need to cancel.

 

I now realise I should have made one final payment for the February 2017 payment and offer to pay this to you now. I will not pay you any administration or cancellation fees that you are asking for as these are penalties that are unlawful and unenforceable.

 

If you confirm in writing that you'll accept the amount of £xx.xx in settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any other payment, I will pay you nothing and my offer will be withdrawn.

 

Yours faithfully,

 

Get a free Cert of Posting at the PO when you post this to Harlands Haywards Heath address.

 

Keep us posted but do not reply at all to Harlands/CRS unless we tell you to.

 

:-)

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

 

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Hi, I have made changes to the letter.

 

I will post the letter today. Should it be typed on a computer and then posted or hand written? Should I sign it?

 

 

I also received a phone call and an email few days ago which I didn't pick up or reply to.

 

Thanks everyone for your help.

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PC printed the lot inc sig

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 any phone calls and/or emails.

 

If you answer a call and it's Harlands/CRS, simply hang up - no need to do anything else.

 

:-)

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 !:-)

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  • 4 weeks later...

Hi folks,

 

I listened to everyone here and sent them a letter but CRS did not even acknowledge it.

 

I received a letter today saying that if I fail to respond to this letter, they will have no option but to pursue further action.

 

The two options are

A. Legal Action

1 They write formal letter about what they are demanding and give final chance to pay

2 If this fails then matter goes to Country court

3 I can make a payment ending elgal process or dispute some or all of amount owed

4 If I dispute amount owed, court process will continue at which court would make a decision on claim

5 A strict court imposed timescale will apply for court process

 

B. Outsource to external agents.

Your account will be passed to another collection agency who will take further action

 

 

 

What do I do now? I occasionally get their phone calls which I don't answer. This is all a bit messed up. They are acting like thugs because I cancelled my gym membership. Silly isn't it.

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Hi NGG,

 

No need at all to reply to their begging letters - continue to ignore.

 

If you want to take court action to stop them in their tracks, let us know and we'd be more than happy to help you. Costs very little and would put an end to their harassment plus you should get nominal damages at the discretion of the court.

 

:-)

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 !:-)

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oh no not more scary letters from the same printer with a different letterhead in it

twill be the fake bailiffs next...

 

 

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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  • 1 year later...

Hi dx100uk. Thank you very much for helping me out.

A year later, Zinc group calls my mobile phone once a week and they occasionally leave a voicemail to ring them back.

 

Have not done so ever. And not received any letters through the post from them.

 

A little annoying but the location on the call says Glasgow and the number begins with 014. That's how I know to let the phone ring out.

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little beggars

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

report zinc for harassment to the regulators. Then ignore them

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Nog,

 

I would answer one of the regular calls to discover exactly WHO is calling, then write a letter to their office threatening court action for continued harassment.

 

Or continue to ignore if you prefer ..........

 

:-)

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 !:-)

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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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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