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  1. I wonder if someone can help me - Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now. Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees. I think these add to over £2500 throughout my hardship. I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me. Any advice as always is appeciated!
  2. Hi, I've just found myself in a situation, whereby I was caught without money in my account on the day by DD was due - and now I'm being charged the £25. However, I would like to carry on using the gym, - and not pay the £25 - is that possible? Very annoyed, as I really am enjoying the gym - particularly because it's a good hobby when I don't have much money! However, my integrity is swelling, and I can't bring myself to let them rob me.
  3. Hi there, First post! I’m a student an as it is summer and i’ve not been getting my student loan recently and only work part time i’ve struggled a little with money recently. My DD for xercise for less failed. Like many others on here i’ve been charged that famous £25 ‘admin fee’ in an email. The email reads: Harlands administer the collection of all payments due under your agreement with Xercise 4 Less. Your bank have advised us that your August instalment has been returned unpaid "refer to payer" as there were insufficient funds in the account to pay the amount due. W
  4. Hi, I have cancelled my Direct debit with Xercise4less around 4 months ago due to money problems as I had just moved into a new house and didn't realize how much bills were going to cost, I did not have the money to pay them so I cancelled the direct debit through my bank account. I received the email below from the Harlands company. "We refer to our previous letter and note that you have not contacted us. You have now incurred a further £ 25.00 charge and are £ 73.98 in arrears. Under your Membership Agreement, you have promised to pay this debt. If you continue to refuse to hon
  5. Good afternoon all, I'm sure you're all busy so I will keep this as short as possible. Was a VM customer for 8 odd years. Had to cancel their services last year as my Ex and I separated and I was moving to a new place. Account was in my name, so I phoned to cancel it. Phone call lasted about 10 minutes as they tried to get me to shift it to the new address etc. They explicitely said "there is no further charges to pay" on the phone. (I have it recorded as an .m4a file.) In fact, we were due a refund. A week or two later, I get a letter (at my new address!) asking me to
  6. 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
  7. Hi, I have been receiving letters from Harlands regarding failed direct debit payments and admin charges etc, similar to many of the other posts on this forum. Back in August, I paid for two memberships with Lifestyle fitness(for me and my girlfriend), both of which were on a "flexible" contract which required a minimum one month commitment. Both of these direct debits were setup under my bank account. My girlfriend moved back home in September and I wanted to go to a more local gym and so tried to cancel the memberships. My girlfriend rang the gym up who informed her
  8. From their website: "Charged to cover the administration of issuing an arrears chase letter." - Outgoing arrears letter I'm not condoning missing mortgage payments, but surely £27.50 is a lot for a one-page (presumably computerised) letter and envelope being sent out? I think this has been covered previously (in 2011) but I'm not sure of my best course of action. Or whether I have a claim at all? Can anyone help me? I have received 2 of these letters in the last fortnight alone. £55 is hard to take for 2 sheets of paper and 2 envelopes! This figure is clea
  9. Hi I recently cancelled my direct debit that was set up for my Gym etc membership. I had not used the gym in many moths ~6+ and I believe I was 1 month away from the 12 month contract being up. I received a letter asking for the 25£ i owe as the final installment of my membership contract AND a 25£ admin fee to be payed, so 50£ in total. I am willing to pay the 25£ and either end my gym contract or keep it going but I am not willing to pay the 25£ admin fee. I sent an email to harlands saying this: Hi I have not used my gym membership for many months due to a lack of t
  10. Hi there, First time posting, but in doing a bit of research before I delved into discussing a letter I received from Harlands, there seemed to be a lot of valuable information on this forum, so hoping someone can help with my specific situation. On 31st March I took out a gym membership with Xercise4Less on a monthly rolling contract with the following information in an email confirmation from that date: "You are committing to a single £20.00 admin fee payment and £19.99 per month for a minimum of 1 months. After this minimum term your membership payments will continue on a mon
  11. I would be grateful if anyone here can give me a brief outline of the actual law relating to gym's that attempt to charge an administration fee (£25.00)? Am I correct in saying that this is legally defined as a penalty fee and therefore unlawful and can be safely ignored? Thanks in advance for any help provided. And might I say what a wonderful resource this forum is. All power to your elbow. Dubs
  12. Hi I'm after help step by step. I was with Ge for several years until over 12months ago it was passed to Kensington. It's been irritating me the fact all these feed Ge charged me for and interest on last communication received from.them and wondered if I could still attempt to claim them back (also annoying is letter fees which we never even received letters). Firstly. What do I do? Do I do a SAR? If so can you point me to the form. Or do I write a letter of complaint? I'm not good at this type of thing but want to see if I can claim anything back. Thank you for anyone's help
  13. A few months ago a male, who is a live in employee at a property opposite my girlfriends house aggressively threatend to smash my face in and knock my teeth out, when I asked a delivery man to move his van that was blocking the driveway, the delivery man moved his van and drove away but the other man made more threat and demanded I fight him in the street and telling me what he will do to me, so I called the Police. Police never came out because they said I was safe inside my girlfriend house. The Police investigated but the male employee who made the threats
  14. Hi I've got 4 catalogues with late charges but thought i would start very claim first, I've sent my sar letter its came back with all sar information for all catalogue 4 accounts. So my questions are, Do i do one claim letter for very, littlewoods, choice, kays. What address do i send letter too. Also should i put interset rate at 24.9% thanks amy29
  15. Got myself an Android smartphone from China a few weeks ago at 1/4 the price of its branded equivalent in the UK (absolutely fab, btw, would definitely recommend it if you want the good stuff and are not brand-obsessed!). Today, got an invoice from DHL for the Duty and VAT they were required to pay customs on my behalf to enable clearance of delivery of the goods, adding import taxes are the responsibility of the receiver. VAT is £9.46, which is fair enough, and then add an admin fee of £5. Let me say straight away that it's not the amount that's the problem as such, it's the pr
  16. Good morning, My 18 yr old daughter took out a policy with 'MyPolicy' car insurance 8 months ago when she passed her test. They seemed the best price at the time but have cost dearly over the 8months, mainly in charges for extra miles. a few weeks ago she was involved in an accident which wasn't her fault, the other driver admitted blame immediately. The claim has been settled and they have sent the cheque. Now, the problem is the charges they want to slap on her. Her car was a write off so she is going to buy her brother's car. They want to charge her £150 for
  17. I'm just wondering where I stand with admin fee's, I've just had to phone up to add commuting to my motor insurance policy. It was a five minute phone call and there was no change to the price of the policy just a £35 admin fee! I didn't moan at the time as they previously waived an admin fee (I didn't realise I had to declare windscreens and cancelled claims when setting up the policy) I had to do a fair bit of moaning to get that one waived and didn't want to push my luck but seriously how can it cost £35 to add something to an existing policy?
  18. Hi cags I hired web design company to design my e-commerce store. I have discussed every thing about design time was set for 4 to 5 weeks . Design was not what we discussed specially product pages. They offered to add 30 products and will show me how add ,edit product how to operate site which they never did. 50% deposit was paid and remaining 50% will be payable before go live. once web site gone live i realize issues product image was showing up half awful on mobiles view and tablets. they required remaining balance before the can do any work .
  19. There is a huge amount of misinformation regarding the forcing of entry for court fines. In the first instance, a separate warrant is not necessary and is not a requirement. For the avoidance of doubt, forced entry is permitted by the warrant itself. It is not used that often and in most cases, is used where a debtor refuses to engage with the enforcement agent. It is sadly the case that forced entry has also taken place because the debtor himself has been wrongly advised of the legal position. As an example, on Saturday, I received an enquiry where a locksmith was present.
  20. Hi All Just a quick question. My partner is signed up for local authority gym on an annual contract . This month his wage was paid a little later than usual and he missed DD - but then when money came in this DD was taken fine. However all of a sudden we received a letter that they will be taking a £20 admin charge as well? I called them and sad its illegal and they cant justify such a charge however they said its part of the contract and thats it! I am about to write complaint to their customer services ? is there any other suggestions on what I can do as I am sure it
  21. Hi Caggers! Brief History. I was a legacy customer (old Telewest customer) since 2005. The last contract renewal was in 2007 when I moved house the previous time, so contract was well out of band. Notified them in December that I was moving and would like to take my services with me, they said sure, no problem and could probably provide the services I wanted. Great. I moved house 9th January. I contacted them on the 19th January to find out what was happening with my service installation at the new place. Was told the service was activated on the 17th.
  22. Hi, I urgently need advice on dealing with Harlands, Here is the story so far. Me and my boyfriend signed up to our local Lifestyle fitness gym, under a 12 month contract. Both memberships were set up to be debited from his account. 8 months in, he got a letter saying that there weren't sufficient funds to pay his membership, so they were asking for the £15 for the months membership, and a £25 admin fee. We went into the actual gym and asked if the other membership (mine) had been paid for, and they said that only one of our memberships was suspended, so one must have been paid.
  23. We received an email yesterday in respect of this company. The person provided his name, but no return email address in order for us to respond. If you see this message, please do register on CAG - it is Free and update this thread.
  24. When I moved into a new property recently, I was charged a £75 one off admin fee. This seemed a bit steep for sending me a tenancy agreement and doing a bit of filing, but I was in a bit of a bind, so I accepted. Is it legal for landlords to charge such a fee? Thanks Jeff
  25. Good morning, I originally joined xercise4less in January 14 after a phone call from a sales person. I was reluctant but they talked me round by offering two months for free & £9.99 a month there after. Even though the gym was 18 miles from my home I niaevely agreed to become a member. I didn't/haven't used the facilities once & in February I emailed the operations manager asking to cancel my membership but received no reply. I left it until April and sent another request to cancel via but again didn't get a response. In September I noticed they were still taking the amount
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