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slick132 last won the day on March 17 2018

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  1. Hi United and welcome to CAG 1. Were you able to cancel due to being beyond the minimum m/ship period. 2. When did you tell the gym you wanted to cancel. 3. When was the last DD pay't made to Harlands for the m/ship. Ignore all demands and comm'ns from Harlands or others for now.
  2. Hi Troubles and welcome to CAG It may be that Harlands are no longer using their own "In House" DCA (who are CRS) but time will tell. UK Search Ltd appear to be an external DCA but, with Harlands gym cases, I doubt they'll be any more effective than CRS. YS correctly referred to the advice from the gym staff and made an offer that Harlands have failed to accept within the 14 days specified. As long as Harlands have his current contact address (at his parents' home) this should be fine. He needs to know what Harlands are up to at any given time. Tell him to ignore demands and any other attempts to contact him for now. Just keep us posted.
  3. Hi Galgalegg and welcome to CAG I would expect the signed agreement to apply rather than what was discussed unless you have a recording of the discussion. However the reality is that Harlands/CRS tend NOT to enforce their agreements. Also, the requirement for 3 month's notice for a 3 month agreement sounds unreasonable Make sure Harlands/CRS have your current address so you always know what they're up to. Send them this by typed letter. Ignore their demands that you pay or contact them.
  4. Hi Commint and welcome to CAG Use one of my letters to tell X4Less/Harlands/CRS :- I had to cancel the m/ship due to long term injury. I now realise I should have allowed a further DD payment to be paid on or around 18th April and will now pay this if you supply the necessary payment details and confirm you'll accept this payment in full settlement of all I owe. If you demand any higher amount due to admin fees or any other reason, I will pay you nothing and this offer is valid for 14 days only. Send this to Harlands at their Haywards Heath address and get a free Cert of Posting at the PO when you post the letter.
  5. Hi Whothat and welcome to CAG 1. Do you still have a copy of the email you sent about cancelling. 2. To whom was it sent. 3. Did it explain about you moving away to Uni. 4. When were you moving away to Uni. Ignore the letter from Harlands/CRS or anyone else for now. They can do you no harm.
  6. Looks to me like you have 14 days to cancel IF you joined off the premises........ ...... but you lose the right to cancel if you use the gym within the 14 days. I see nothing about still being able to cancel and paying pro-rata if you use the gym within the 14 days. In any event, it sounds like the m/ship will continue to be used by Mrs B.
  7. Hi CS, It's normal for a Promo Co to deal with sign-ups on behalf of a gym but the Promo Co won't give a hoot about how they get folk to sign. They may tell you anything to get you to join, whether it's true or not. They don't care about what trouble this lands you in. If you're called again by anyone about this matter, tell them, "In writing only." then hang up !! Discuss nothing by phone and keep everything in writing.
  8. OK, things changed after April 2007 and the bank's document requirements are less strict after then. Speak to Stepchange and ask if they'll stop paying PRA for the BC debt unless and until a proper reply is provided after your CCA request. Let us know what Stepchange say ........
  9. I suggest you check the T&C's of the first agent to see what was initially agreed about the sale of the property. Secondly, is there any suggestion that the buyers were introduced by the first agent. Thirdly, have a quick word with your solicitor (without incurring legal fees) to see if they have any comment about the first agent's claim.
  10. Can you say when in 2007 that the card a/c was opened as that's a critical year for such a/c's.
  11. Hi Danny and welcome to CAG Stepchange may suggest you should keep paying ALL creditors regardless of their ability to produce a credit agreement in response to your CCA request. Roughly when was this credit account opened ? Is this your only debt or are there others ?
  12. Hi C Sparrow and welcome to CAG We have seen cases about DFC recently, but the principles have been the same for many years. We maintain any m/ship agreement over 12 months is unfair to the consumer and can be contested. The OFT gained a ruling about this is 2011 against AMSL - Tell the gym NOW by letter that you intend to leave as soon as the 12th monthly payment is made to them. After that payment is taken by DD, cancel the DD mandate via your bank. Read this guide first - The letter to the gym can be v simple :- Dear sir or madam, I will allow the 12th payment to be paid by my bank. I will then cancel my DD mandate and this is my notice to end my gym membership. I will not honour a gym agreement in excess of 12 months after the High Court ruling in the case of The OFT -v- Ashbourne Mgt Services Ltd in 2011. Yours faithfully, Don't get involved in any further comm'ns with the gym or DFC until you report back.
  13. Hi HC, Look at the 2 Word Doc'ts posted above by Andy. Let us know how YF's case compares to the case highlighted in 2014. Did YF fall into a cycle of penalty charges after a single or a few small transgression and suffer disproportionate and/or spiralling charges as a result ....... ........... or were there regular transgressions where the a/c went into o/draft with card and/or cheque payments. The case highlighted by Andy is (to my knowledge) a County Court judgement so it set no Precedent for other similar cases. However, it does suggest there is a degree of hope for cases where the customer has suffered unreasonably or unfairly by the bank's treatment.
  14. Looking back at posts #13 and 14, this is a current bank a/c so why would penalty fees be reclaimed. I get the PAF and the PPI elements but have I missed something as I thought penalty fees stopped being reclaimed years back.
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