Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default CRS help please!?

    Quote Originally Posted by dx100uk View Post
    ignore them
    they are totally powerless and don't do court anyway.

    the other alternative is to sent the slick132 letter in many threads here
    offering ONE MONTH only membership and no fees paid
    I am having a similair problem.

    I have actually been paying them for some time but have missed quite a few payments so they have added many fee’s on.

    I missed my latest fee then rang up asking for a breakdown of what i have paid and every charge they have added, i let them know that untill i recieve this in writing i wont be paying anymore.

    They said ok but have not sent it.
    They then tried to take another DDicon but like i told them the money would not be there until they provide the paperwork.
    I emailed them to let them know but they have ignored the email.

    Today they have tried to take another payment and i have emailed them again explaining that i will not he paying untill i can review the charges they have added.
    They have completely ignored me.

    Any advice?

    Can they effect my credit? Default/ccj for example. If anyone could give me some advice i would be very greatfull.


  2. #2
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    Default CRS help please!?

    I am having a problem with CRS.

    I have actually been paying them for some time but have missed quite a few payments so they have added many fee’s on.

    I missed my latest fee then rang up asking for a breakdown of what i have paid and every charge they have added, i let them know that untill i receive this in writing i wont be paying anymore.
    They said ok but have not sent it.

    They then tried to take another DDicon but like i told them the money would not be there until they provide the paperwork.
    I emailed them to let them know but they have ignored the email.

    Today they have tried to take another payment and i have emailed them again explaining that i will not he paying untill i can review the charges they have added.
    They have completely ignored me.

    Any advice?

    Can they effect my credit?
    Default/ccj for example.
    If anyone could give me some advice i would be very greatfull.

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  3. #3
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    Default Re: CRS help please!?

    What were you paying them for? What was the debt.

    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..


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  4. #4
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    Default Re: CRS help please!?

    Never mind saw your other thread. Dont pay them. Just ignore them. They cannot do ANYTHING.

    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..


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  5. #5
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    Default Re: CRS help needed re Xercise4less

    Ignore them. Certainly do not pay them. They can not do anything and never will.

    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..


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  6. #6
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    Default

    Quote Originally Posted by renegadeimp View Post
    What were you paying them for? What was the debt.
    I stopped paying my xcersise4less sub. About a year ago or so.


  7. #7
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    Default

    Quote Originally Posted by renegadeimp View Post
    Never mind saw your other thread. Dont pay them. Just ignore them. They cannot do ANYTHING.
    Is this 100 percent? These parasites have been stressing me out for almost a year. Big relief if i can just ignore them.


  8. #8
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    Default Re: CRS help please!?

    You fell for their claim that they are somehow involved in the supposed debt, they arent, they have no interest in any matter at all. How much have you paid them in all? how did you pay them?

    You might be claiming the money back if you paid by dedit card. there are no fees or charegs thye can add as they ahve no interest in the matter. you didnt sign acredit agreement with them so all that you have paid is just made up amounts because they caught you.


  9. #9
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    Default Re: CRS help please!?

    let me guess. Harlandsicon originally chased you. CRS are harlands. You fell for their tricks, and now theyre trying to get more money from you.

    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..


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  10. #10
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    Default Re: CRS help please!?

    Quote Originally Posted by ericsbrother View Post
    You fell for their claim that they are somehow involved in the supposed debt, they arent, they have no interest in any matter at all. How much have you paid them in all? how did you pay them?

    You might be claiming the money back if you paid by dedit card. there are no fees or charegs thye can add as they ahve no interest in the matter. you didnt sign acredit agreement with them so all that you have paid is just made up amounts because they caught you.
    to add to this, all charges and fee's can be considered unfair penalties and unenforceable. They know this and hope you dont. Thats why theyre harassing you.

    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..


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  11. #11
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    Default Re: CRS help please!?

    posts from someone elses thread moved here
    thread moved to the gymicon forum.

    tell use the history of the debt
    why did you stop at the gymicon?

    no DCAicon has ANY legal powers
    and you should NEVER EVER phone or pay them

    they are NOT BAILIFFS!

    so when was the last time you USED the gym in question and who were they?

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  12. #12
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    Default Re: CRS help please!?

    Hi LM,

    It doesn't matter now if this was a 12 month minimum, or a rolling monthly, membership agreement. The fact that Harlandsicon/CRS have been charging unlawful adminicon fees means you can cancel immediately and ignore them from now on.

    Just so we have the right background info, can you confirm :-

    1. Was this a 12 month or a rolling monthly agreement.

    2. How long were you a member.

    3. Did you give notice to leave the gymicon, either to the gymicon or to Harlands.

    4. If so, what date did you give notice.

    5. When was the last NORMAL monthly gym fee paid by you.

    6. How much have you paid since in adminicon fees.



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  13. #13
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    Default Re: CRS help please!?

    Thanks for the replies everyone.

    It was a 12 month contract as far as i can remember. I think i have paid CRS about 150 ish pounds now with there latest 2 fees the debt will be back up to 200. I lost my job so i could not pay it i had a lot on my mind at the time financially so i lost track of it and just stopped paying(due to having no money at all). I have asked them for a breakdown of all the fees they have added on and how much i have actually paid but they are ignoring my requests.

    I have been paying 10 pounds per month via DDicon and a couple of times i have payed 35 (due to a missed payment covering the latest payment and add on fee)

    I am actually a member of the gymicon still i signed back on as i now have stable work and its my local gymicon.

    I am honestly looking to cancel the DD and ignore them after reading these comments but i dont want my credit to be effected as im trying my best to build it back up.

    Thanks everyone this is very usefull forum.


  14. #14
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    Default Re: CRS help please!?

    pers id go get all the DDicon's back that you've paid to CRS
    then write to them and offer 1 month + no fees.

    they wont like it but they don't do court and gymicon debts don't show on your credit file

    have crs been WRITING to your each month advising the amount that will be taken.

    if not go use the DD guarantee and get all the payments back from them nia your bank.

    IMHO you've been cash cowed
    the fees are unlawful. and so are any membership fees after the 1 month that you cancelled on

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  15. #15
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    Default Re: CRS help please!?

    How would i go about claiming back the DDicon? I honestly have no clue what im doing when it comes to things like that i feel pretty stupid now tbh 😂😂.

    Should i email them something like, i have canceled the direct debiticon and will be claiming it back, i now offer you one
    Month with no fees.

    And if so should i pay them one months fee? Then claim the rest back? And what should i say to the bamk exactly? That i have been [problem]med and would like to claim the money back?

    Sorry for so many questions people honestly clueless when it comes to this.


  16. #16
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    Default Re: CRS help please!?

    were CRS writing to you EACH MONTH they took the fee/charges telling you that xx would be taken on XX date via your DDicon?

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  17. #17
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    Quote Originally Posted by dx100uk View Post
    were CRS writing to you EACH MONTH they took the fee/charges telling you that xx would be taken on XX date via your DDicon?
    They sent me emails and letters every time i missed a payment and they added 25 pound charges. Honestly
    Dont think i have any of them.


  18. #18
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    Default Re: CRS help please!?

    No they dont count as notification that they are varying the DDicon each month

    So under the dd guarantee you could reclaim them all from your bank
    And no you dont have to tell the fleecers

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  19. #19
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    Default Re: CRS help please!?

    If you want to leave the gymicon, you can do so on the basis that Harlands/CRS have charged you adminicon fees that aren't lawful.

    This won't affect your credit rating at all.

    My advice would be to cancel now giving the gymicon 30 days notice, pay the final fee and then cancel the DDicon mandate. Don't reclaim any DD's that you've paid - just put this down to experience. This way you're less likely to have Harlands/CRS chasing you for many months.

    If you DO want to reclaim some of the adminicon fees taken by Harlands/CRS using the DD mandate, let us know and we'll help. Answer the Q's 1 to 6 above for starters but with simple bullet-point answers.



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  20. #20
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    Default

    14 September 2018
    Mr xx xxxxx
    Xx xx xxxx street
    Xxxxxxx

    Dear Mr Xxxxx
    Credit Resolution Services
    debt collectionicon Services - Tracing Services

    Re: CRS Ref No: xxxxx
    Xercise 4 Less Ref No: Xxxx

    Following our letter dated 3 SEP 18, we have been advised that our resubmission for your instalment has again been declined "Refer to Payer".

    A second 25.00 administration charge has been levied, resulting in the instalment now becoming due for 60.00.

    Please call us on 01444 449 165. We can collect your arrears by Credit/Debit card, or discuss other payment options.

    Should you not contact us by 24 September 2018, your instalment plan will be cancelled and we will take further action to recover your account balance.

    Yours sincerely
    For Credit Resolution Services
    Nuria Manson Collections Department
    CRS REF No: xxxxx
    CRS HELPLINE: 01444 449 165
    ACCOUNT BALANCE: 198.12

    2nd Floor, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW Tel No: 01444 449 165 Facsimile: 01444 449152 Email
    Credit Resolution Services is a trading title of Harlandsicon Services Ltd
    Registered Office: 2nd Floor, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW Registration No. 2982925

    That is the latest email.

    In relation to notifying i left the gymicon i cant even remember if i did i just had no money and the DDicon bounced i think.

    Next thing ive got these idiots chasing me for about 140 quid.



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