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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Xercise4less/Insufficient Funds/ 25 admin fee.


K1ash3r
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Hi,

 

I received this email

 

Dear [my name]

 

Harlands administer the collection of all payments due under your agreement with Xercise 4 Less. Your bank have advised us that your March instalment has been returned unpaid "refer to payer" as there were insufficient funds in the account to pay the amount due.

 

We will therefore debit your account on 5 APR 18 for the total amount of £34.99 made up as follows:

 

Instalment Amount £9.99

Administration Fee £25.00

Total Due £34.99

 

Please note that the submission for this will be made two working days prior to 5 APR 18 and if this date is not convenient, please contact us on the HARLANDS HELPLINE - 01444 449033.

 

Our lines are open 8am to 8pm Monday - Friday and from 9am to 12pm on Saturday. Thank you

 

Once the submission has been made the debiting of your account cannot be stopped. You must ensure that sufficient funds are in the account to prevent further charges being made and possible default action being taken against you.

 

We trust you find this in order and we look forward to hearing from you soon.

 

Yours sincerely

Harlands

 

 

TL;DR: Payments come out on 26th, had insufficient funds, 27th I get the above email

 

I send them this:

 

Dear Sir/Madame,

 

I am a member of Xercise4less, [city[. I have been a member for about 3 years now. A payment of £9.99 was due on the 26th which I had insufficient funds for, immediately a £25 administration fee was added. Such administration charges are unlawful and unenforceable.

 

I am going to cancel my direct debit to avoid paying this unlawful fee. If you at any point attempt to claim this money from me, I will ask my bank to refund me the money which I am fully entitled to under the Direct Debit Guarantee Scheme.

 

To settle this matter, I will pay you the final fee of £9.99. This payment will be made only when Harlands confirm that this will settle the matter.

 

If you fail to agree to this within 14 days, my offer will be withdrawn and you will be paid nothing.

 

I look forward to hearing from you soon.

 

Your Sincerely,

[my name]

 

I also send this to the Manager of the Gym:

 

Dear Xercise4Less,

 

I'm a student at University of [City] and have been a member of Xercise4Less for about 3 years now.

 

On the 26th of March 2018 my DD bounced due to lack of funds and after less than 24 hours Harlands are now seeking to charge a £25 admin which I will not pay. Such administration charges are unlawful and unenforceable.

 

To avoid Harlands abusing the DD mandate, I have had to cancel my DD.

 

I am happy to pay you the £9.99 I owe and use your gym in the future but I will not fall victim to this disgusting practice and allow Harlands to charge unlawful fees.

 

If you supply payment details within 14 days, I will pay you £9.99. If you don't accept this, my offer will be withdrawn and I'll consider the matter closed.

 

Yours faithfully,

[Name]

 

Then I get this response from the manager (front desk actually cause i guess manager is lazy)

 

Good Afternoon [my name]

 

In regards too the admin fee you have been charged, this is standard procedure of missing a direct debit, same as any other standard order who may charge if missed.

 

We have explained that this will happen is a direct debit is failed to be taken on our terms and conditions which you have accepted.

 

When you activate your account with us and then go on to do your health questionnaire, you accept the terms and conditions before it's all complete.

 

If you have accepted these, this too us means you have read them and agree.

If you did not read those, i have attached them too this email for you to read through.

 

Unfortunately, due to this being in the terms and conditions, there is nothing i can do to withdraw this.

 

If you would like to take matters further, i have attached the complaint procedure too the email also, you will have to follow the instruction.

 

However, there is no guarantee this will be cancelled for you, as all your terms and conditions have been accepted by yourself.

 

Kind regards

Reception team

 

They also send me the T&C

 

I replay like this

 

Hello,

 

Thank you for the swift replay.

 

As you have not accepted my offer of paying you the outstanding £9.99, I will now consider the matter closed and you will receive no payments from me.

 

I apologize if I did not make myself clear in my previous email.

There is no need to withdraw the admin fee, I have canceled my DD to avoid paying this fee.

 

I know for a fact that you cannot enforce this administration fee so if I refuse to pay it you will not receive it. I don't have to accept the £25 admin fee just because it's in the T&C's.

 

The admin fee is punitive and not a true reflection of cost incurred by Harlands due to my failed DD. In the even any money is taken from my account I will have my bank refund it under the DD Guarantee Act.

 

I will also refrain from using your gyms in the future and will inform individuals who use your gym of this ill practice.

 

I am still willing to pay the outstanding £9.99 owed to you but from this point forward all correspondence from you will be ignored and I will only take this matte up with the head office.

 

Kind Regards,

[NAME]

 

They replay like this:

 

Hi,

 

I have explained everything possible too you and also sent you the proof as to what happens if you miss a direct debit.

There is nothing more i can possibly do here for you.

 

However, you will receive letters from Harlands stating your direct debit has been missed/cancelled.

 

If there is no payment made within 3 months, this will go too a third party.

Please be aware, that if this gets to that point, there is nothing at all we can do from club level too help.

 

We have tried to help today by explaining this is a one off payment, as this will happen if you miss it.

 

I will forward this email too our Head Office to make them aware that you have refused to resolve this situation.

 

If you do happen to contact Xercise4less regarding this issue in months to come, there is nothing we can do to help.

 

Kind regards

Reception team

 

What is your take on this.

It seems like i won't be paying them anything but I won't be able to use their gym anymore.

 

My images dont appear so I just copy and pasted the messages.

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read upload use PDF please

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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pers you've done right

stick by your guns.

then ignore

  • Confused 1

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

Hi Klash and welcome to CAG

 

You seem to have it covered for now but don't send anything more to either Harlands/CRS or X4Less (either your local gym or the Leeds Head Office).

 

At this stage, we usually tell Newbies to read lots of threads but, clearly, you're already all over it !!

 

Just keep us posted about further demands but don't reply to them unless we say - ignoring Harlands/CRS, The Zinc Group and Spratt Endicott (Harlands' current pet solicitor) is often the best thing to do.

 

If they start to annoy you after a while. let us know if you'd like to take Harlands and X4Less to court for harassment.

 

:-)

We could do with some help from you

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Hi, thank you. I received a reply to my initial email from Harlands

 

Dear [My name]

 

We thank you for your email.

 

We can confirm that in order to cancel your membership you must complete the membership cancellation form on the Xercise 4 Less website found at [link]. We are unable to cancel your membership until Xercise 4 Less confirm you have cancelled with them.

 

We advise you either go in branch and speak with a member of staff directly if you have previously cancelled or use the cancellation form at:- [link]

 

Please note, cancellations are only authorised by Xercise 4 Less if the account is up to date with a live Direct Debit in place.

 

The charges that have recently been applied to your account have been done so in line with your membership Terms and Conditions.

The amount of this charge is representative of the cost of the administration relating to your payment being returned unpaid.

This includes collecting information from the bank, manually returning the payment, issuing a notice letter or email and dealing with any correspondence in relation to the payment from the member.

 

Once each payment has been returned unpaid, a letter or email is issued detailing the charge, the reason it has been applied and when we will attempt recollection of the initial monthly amount and the additional amount.

 

May we confirm, £25.00 is the amount deemed by our directors as representative of our costs in dealing with the administration involved with a missed or returned payment.

 

Upon agreeing to the terms and Conditions of your membership, you have in turn agreed to these charges.

 

If you have any further questions please do not hesitate to contact us.

 

For all Enquiries Call Harlands : 01444 449033 () Quote Reference : 4459058 /

 

Office hours: Monday to Friday, 9am - 5pm

 

Yours sincerely,

Sophie Oxley

Harlands

 

I'll take your advice and ignore it

Edited by dx100uk
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pers i'd bounce that back and block further emails

let them waste money on stamps.

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

Yes, ignore this and block their emails if you can.

 

Keep us posted though .......... :-)

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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UPDATE: I have yet to ignore their emails just to see what their next move is. This morning I've received a SMS from HARLANDS and an SMS from X4L

 

SMS from X4L reads:

 

"Dear Member. Your account is in default and if left unresolved will be passed to a third party debt collectors. To prevent this call us on 01132038602 to settle."

 

SMS from HARLANDS reads:

 

"You have been sent an email from Harlands regarding your membership. Please check your junk folder or call the helpline on 01444449033"

 

 

The email reads the following and its safe to say my jaw dropped when I saw it. These people have no shame.

 

 

Dear [ My name]

 

re: Your membership to Xercise 4 Less

Your bank have advised us that your Direct Debit Instruction has been cancelled which means we are unable to resubmit

for the missed instalment. You have incurred a further £ 25.00 administration fee and the total amount now

due to bring your account up to date is £ 59.99.

Please call the HARLANDS HELPLINE - 01444 449033 and we can collect this by DEBIT / CREDIT card and

reinstate your Direct Debit Instruction. If you wish to pay by another method you must still phone us to discuss your

options.

If you do not call us by 7 April 18 you will be charged a further £ 25.00 administration fee. Our lines are open 8am to 8pm

 

Yours sincerely,

Harlands

 

 

 

At this point I'm going to block any SMS or Emails coming in from them

Edited by K1ash3r
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whay muppets

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

Don't respond at all !

 

:-)

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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