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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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CRS help please!?


LM93
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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 DD 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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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 DD 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.

Edited by dx100uk
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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..

 

 

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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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..

 

 

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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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..

 

 

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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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.

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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.

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let me guess. harlands 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..

 

 

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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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..

 

 

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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posts from someone elses thread moved here

thread moved to the gym forum.

 

tell use the history of the debt

why did you stop at the gym?

 

no DCA 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?

 

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 LM,

 

It doesn't matter now if this was a 12 month minimum, or a rolling monthly, membership agreement. The fact that Harlands/CRS have been charging unlawful admin 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 gym, either to the gym 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 admin fees.

 

:-)

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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 their latest 2 fee’s 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

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 fee’s 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 DD and a couple of times i have paid 35

(due to a missed payment covering the latest payment and add on fee)

 

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

 

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.

Edited by dx100uk
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pers id go get all the DD'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 gym 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

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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How would i go about claiming back the DD? I honestly have no clue what i’m 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 debit and will be claiming it back, i now offer you one

Month with no fee’s.

 

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 scammed and would like to claim the money back?

 

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

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

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

 

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.

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

 

So under the dd guarantee you could reclaim them all from your bank

And no you dont have to tell the fleecers

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

 

This won't affect your credit rating at all.

 

My advice would be to cancel now giving the gym 30 days notice, pay the final fee and then cancel the DD 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 admin 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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14 September 2018

Mr xx xxxxx

Xx xx xxxx street

Xxxxxxx

 

Dear Mr Xxxxx

Credit Resolution Services

Debt Collection 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 Harlands 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 gym i cant even remember if i did i just had no money and the DD bounced i think.

 

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

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Just give us simple answers as best you can to my Q's 1 to 6 please. Give short numbered replies thanks.

 

We don't need to see the whole of any Harlands/CRS letters.

 

:-)

Edited by slick132

We could do with some help from you

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

 

2. How long were you a member. Roughly 6 months.

 

3. Did you give notice to leave the gym, either to the gym or to Harlands. Not sure, possibly not.

 

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

 

5. When was the last NORMAL monthly gym fee paid by you. Early last year at some point i believe

 

6. How much have you paid since in adminicon fees. Ive gave about 150-200 to them in total not sure about admin fee’s.

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pers i'd go reclaim all the unlawful payments to harlands, whatever they are for.

 

reset the whole thing back to the 1st DD failure then write and offer 1 months normal membership only with no fees

 

they've had you for a fool.

 

they cant do anything to you anyway.

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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already told you read my replies in this thread from post 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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