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  1. Hey all, looking for a quick bit of advice here. I signed up for a membership with X4L on the 14th of May 2018, and have only used the gym a handful of times in that time. I haven't been at all during 2019. I now have free access to a local gym which a friend owns, so I cancelled my direct debit with X4L/Harlands on Jan 4th 2019. I then cancelled my membership via their Online Cancellation Portal not long after. After doing so, I received this email - Then this email the following day, Never realised that I wasn't supposed to cancel the DD until the
  2. Hi, I have read a few of the debt recovery questions and threads and lots of good information, however, everyone is a little different which brings me to my query. In my case I did not do a runner from any debt and tried to settle everything legally before I left. In 1996 while working out in UAE I bought a vehicle on finance (Oman Bank renamed to Mashreq Bank now were the financiers). I made the repayments regularly until I lost my job a couple of years later when the company was sold and the new owners wanted their own people in. I had difficulty making the rest of the paymen
  3. Hi, i originally join the gym through lifestyle fitness in February 2017. I then cancelled my direct debit through my mobile banking app in August 2018, just after the payment was made that month on the 15th. It is now December 2018 and I have received a letter from the CRS stating I owe them £250.52, “following our initial letter” even though I haven’t received a letter previously, haven’t received any emails stating I owe them any money or anything. i was under the impression the gym membership was cancelled when the direct debit was and I haven’t heard from them until now
  4. Hi, Here's what happened. I posted a parcel to acustomer, the parcel contained a hand made item and my customer paidme £572. I took out the maximum insurance of £300 with Hermes. They lost the parcel attheir Weybridge depot. After over a month andhours spent on the phone and writing letters and messages, they havesaid that they will only offer me the £300 plus my postage cost of£17.45 as I had agreed to their terms and conditions which limitstheir liability. This somehow doesn'tseem fair, they accepted my parcel and agreed to deliver it to mycustomer, t
  5. Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware et
  6. I always fill out the typical Ingeus template forms when doing a jobsearch at the Ingeus office, I fill in the job i've applied for and the website I have used but have never filled out the space where it asks the name of the company/agency the job belongs I've applied for is with. Today I was told in pretty harsh terms I had to start filling this out or it was a sanctionable offence. I record my jobs applied for on the Universal Jobmatch website and I have email evidence of all jobs applied for which I produce every time I sign on at the local job centre. Does Ingeus have a ri
  7. I'm currntly on ESA in the Support Group. I received one of these ESA 3 (IBR) this morning, it says I am on CB based ESA but they need to look at my claim to decide if I should be getting IR ESA from Feb 2015. So what is the significance of this date as I have always had CB ESA since they switched over from IB, and I'm sure it was earlier than 2015. And now they want me to fill in a 44 page document to see if I may be entitled to extra money. Surely they only have to check their own records to see if I may be entitled to more money by switching over to IR related ESA. Another point of
  8. Could someone please point me at the appropriate bit of legislation that best suits the following problem. Hints regarding any known, suitable course of action would be appreciated as well. Rather than ask loads of questions on here, I’d like to try and work out what to do, then ask questions when I’m aware of the basics. There are no names and no pack drill as I don’t want to alienate a dealer -yet. It’s tricky to decide what is unnecessary detail, so I’ll take advice on how much I should post here but in short: We are experienced and extensively travelled
  9. I've read through all the threads here, and this seems like the best course of action - to write a letter to CRS (who have now taken over from Harlands with harassing my daughter). It's a similar situation to many on the forum - except she was 17 when she signed up, and there was no "adult" involved in either signing up or payments. We have emailed the gym once saying this (on receipt of the first Harlands email): Dear Sir/Madam I am contacting you after taking advice from your staff onthe phone. I have had a contract with you since 2/9/17, which wassigned when I was 17. I
  10. hi, my Dad passed away earlier this year, and the executors have been compiling a list of his gifts to me for inheritance tax. I have now had a letter from a different firm of solicitors stating that they have taken over and that there are a number of transactions which "require an explanation". I wrote to the original solicitors querying this, who passed on my email to the new solicitors. Their response was that the original firm had a right to take legal advice and to employ solicitors to act on their behalf in relation to possible claims that the estate may have. They want to see my bank st
  11. Hi, I run a small retail operation, bricks and locks building..., I am disputing the bill Britisg Gas have sent me, they said it's a smart meter and up to date, it still doesn;t seem right.. One of the last letters have threatened with bailiff or coming in to change the meter, how heavy are they on this stuff? Need I worry till I can try sort it out with them? How long do they normally take to take action?
  12. Hi All, Possibly a hypothetical question but like to be prepared. Had an interview earlier, job sounds great but when I got home invite to interview from another employer in my inbox for next Wednesday. This 2nd job would suit me better (nearer home, more akin to my current role and better hours). I was told at this morning's interview that they would let me know either way today. If I am lucky enough to get the offer, I would be mad not to accept, but still inclined to go for next week's interview as well. What are the ethics of accepting a possible offer today, then changing my
  13. Hi everyone, I can see this issue is really common and I've already read some excellent advice on here. I just wanted to make my own thread just to double check I do everything correctly! Hope this is okay I've recently decided to cancel my gym membership at Lifestyle Fitness as I am now using a newly opened gym next to my work place. My membership was just a monthly rolling, no contract, cancel at any time thing.. I followed the FAQ available on the Lifestyle Fitness website which states to email any cancellation request to Harlands. I sent an email to cancel on 0
  14. I hope I'm posting this in right place. I hope some one can give me some advice. I work in a small hotel. I'm the Head Chef. We have 2 other chefs working in the kitchen. One of the chefs is known to be very lazy. Likes to take time off saying he is ill when isn't, spends more time playing on phone than working etc. Earlyer this week on the Tuesday I was working with him and he started going on about how he had just got a new xbox and the new call of duty game that had just come out. He started moaning that his friends were already much higher level than him and that he need to catch up.
  15. Usio Energy are the latest electric supplier to cease trading with Ofgem awarding First Utility all their current customers. https://www.usioenergy.com/
  16. Hi I received a PCN from a Free! carpark some time ago.. 4 hours free then pay. I received no letters from UKCPM about a fine nor do i know what it was for . . I then get a letter from Gladstones saying Pay £160 else court action. I 'forgot about it'. Next i get a court letter which turned up at my address late , saying £273 to pay with response within 14 days else action will be taken. Ok this one i genuinely did forget about, i emailed them stating the letter was late and i forgot to take action due to work commitments and stress. Next thing i know i have a CCJ on my
  17. I will do my best to ask my question without making it too complicated. I have 14 separate diagnosis. I live currently in the home I raised my children in, which was recently transferred from the council to a housing association. All my children have left home. I have carers coming in to help with personal care and domestic tasks and taking me out into the community, i.e. shopping, coffee out, for 7 hrs per week, the remainder of the time I am at home, in doors and extremely lonely. It is having a real impact on some of my diagnosis. I have a friend that is returning from outside the
  18. Hello, recently my NatWest bank account was unexpectedly closed due to an apparent commercial decision by the bank. So as I've only now got 1 bank account I apply to open a basic bank account with HSBC which was accepted. I received the pin and was waiting for the card to arrive and today I receive this letter. It states that following a review of my application, we regret to advise you thar we no longer wish to provide you with a bank account and that they are closing it. Closing a basic bank account seems extreme, feels like I've been blacklisted or something. It'
  19. I have just realised I have another SPPL Loan. I had one that I have already posted earlier but this one is more straighforward although it was taken out in 2001 and paid off in 2002 so dont know if this is a problem. I had a loan for £15,000 that was a second mortgage on my home. They sent the paperwork and just added the ppi at £2,500. I was self employed and never asked for the ppi was never told why it was on there or anything about it. When I paid it off in 2002 I paid a sum of £17,723.00. Should I send directly to SPPL or to FOS with it being an old lo
  20. Hi whilst getting advice about a different ticket, my husband now received one from Smart parking. We were away for a weekend somewhere we don't know and parked outside a bowling alley. Didn't even occur to us we'd have to pay (even in London we don't pay in such locations!) It was pouring we rushed inside without looking at notices. Is this another dodgy private company or not? As we are going away this Thurs need to deal with it asap. Many thanks.
  21. Hello all, I was a university student who signed up to my local gym. My last payment to the gym was in February of this year. I believe the payment was set up at £19.99 pcm. I ran into some financial troubles in February and the direct debit for this membership was revoked by my bank (HSBC). I viewed the email sent to me by the gym group and assumed that next month when they came to debit my account, they would take the amount owed + the next membership instalment. I recently started receiving phone calls from CRS, of which I have not picked up. I then checked my emails and
  22. Hello. I am another one to add to the list of finding my car not being on the hpi basic check. Got the car in February and today got visited by two people and a car transporter from Burlington Group acting on behalf of Car Cash Point. The bill of sale was never produced from the Burlington operative when i asked for it, instead proceeded to get the police involved. I should have stood my ground but instead agreed to pay off the remaining debt to keep the car. Wouldn't be able to work without it. All i can do now is find the registered keeper and put my claim to get the
  23. Hi, Like most posters, I'm having an issue with Harlands over cancelling my DD prior to filling out their online form. I received a letter in the post today demanding the £19.99, as well as a £25.00 admin fee. I'm not going to pay the admin fee, but am happy to pay the £19.99 as I recognise that I cancelled the DD within the 30-day period. I am going to use the letter template below, which I found on another post with exactly the same issue. However, I'm a recent graduate who is working nights to save for travelling, which means I have all the time in th
  24. hello everyone. I am in deep mess with harlands, due to automatic membership renew. i joined Bromley Self Defence in May 2013 with my son. Monthly fee was ridicules but because I was attacked carjacked few months earlier I would pay for anything that will restore confidence and ease the stress. I paid monthly £80. anyway I have signed the contract. from what i understood i was tied up for 6 months, but after 8 months I realized that they keep charging me. at that time me and my son didn't attended classes anymore. I cancelled my DD and start receiving letters from Harlan
  25. Hi, This morning I had a very important meeting that I could not miss and went to park in my usual car park. Unfortunately it was full, this has never been the case before, but I sucked it up and used the larger car park across the road where the minimum stay is 4 hours and they charge £2.50, this is why I never use it. This car park is never more than half full, but was full today. Obviously something local was going on as this has never happened in all the years I have been parking. After driving around for 10 minutes and no space appearing I saw a space that was no
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