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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
    • I look forward to hearing from a member of the team 
    • Hi Selrahc and welcome to CAG   Please be in no hurry to contact X4Less, Harlands or CRS - they can do nothing for now.   Before you do anything, we need more info. Please confirm :-   1. Approx date you joined.   2. Were you told it was a rolling monthly m/ship by a staff member, or a longer minimum contract.   You have no need to reply to any demand from Harlands/CRS so ignore them for now.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Personal Guarantee for Business Overdraft unsecrued


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Hi all, I have been going through all the problems with the Personal Guarantees and i have the same problem with Natwest bank. i had a personal guarantee with the bank which was set up in 2004 in the amount of GBP 30,000. We had this for sometime and it was automatically renewed every year without signing anything, don't know if that is possible, i just saw the renewal fee debited in the account, and never got a copy of the Guarantee.

Business wasn't going very well for us and we needed a further overdraft to be able to pay our suppliers so we asked the bank for a further 30k for a period of 3 months. This would be repaid from the sale of some property we had already sold, but was not yet completed. The bank asked us for a letter from the lawyer organising the completion which should mention that he as a lawyer was responsible for the payment of the full 60k on completion, we were never asked for another guarantee letter for the new amount of 60K, nevertheless, completion date was adhered to and we paid the 60k. And my account was again charged with renewal fee for the 30k. My company is now closed, and an amount of GBP -35000 dr left in the account. The bank now says that the 60k guarantee is still in place, but we never signed a guarantee for that amount and have asked the bank for a copy of this and find that it is signed on the last page, surely the bank would require a document such as this to be initialled on every page? Surely when the 60k was paid the guarantee was no longer in force as according to the bank it was specifically for a 3 month period.

 

I hope someone can help me or guide me with this.

 

Gillian :???:

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  • 1 month later...

Situation Report...Please help if you can.

 

The Bank do have the signed guarantee and bank statements, but these were sent after the last date for the allocation questionnaire.

 

It is now clear that I am indeed doomed to fail defending this action.

 

How do I go about now admitting the claim and asking the court for an instalments order for what I can reasonably afford?

 

It's all about damage limitation now. What if the bank won't accept the instalments if given as they are too low? i.e £5 a week on a 40K+ debt!

 

Thanks.

I'm not a legal expert. Any help or advice I offer is based upon experience gained from this fantastic forum.

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  • 6 months later...
  • 4 months later...

Guys

 

I've got a similar situation - but it's my "trusted" CA who is now pursuing me for Company Debts.

 

Can any of you please help?

 

BD

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?329855-I-m-getting-pursued-personally-for-debts-incurred-by-my-failed-limited-company.&p=3642760&viewfull=1#post3642760

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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  • 1 month later...
  • 2 weeks later...

I have a comparable difficulty with my Bank who claims the business debt was individually guaranteed by me and is secured on our house - but the standard safety says it only apply to joint debts - not my own human being debt. They can't find the unique business loan paperwork by the way.

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UKF

 

It's amazing how often Banks lose such paperwork! I saved a few K with the opposite situation to you. I had signed a security securing ALL debts to the Banks including a Term Loan, Credit Card, Personal and Business Overdrafts. The Bank focused only on the Buisness Term loan (over £100k).

 

Becasue the Bank couldn't find its copy of the Term Loan agreement (and I wasn't about to lend them mine!) I managed to negotiate a confidential pretty low F&F which applied to all SECURED DEBTS. The Bank had forgotten about the fact ALL my debts with them were actually secured - base don paperwork THEY drew up - so as well as them agreeing to a hefty confidential discount on the Business Term loan, they unwittingly had to write off ALL the other debts - which they tried to say were unsecured "because they existed before the Term Loan was set up and the Security signed". I told them to sue me which they haven't done but they still haven't admitted the other debts must be written off - but have not ever chased me for them and I'm just waiting on SB coming in in due course.

 

Because of the confidentiality of the F&F this saving is not shown on my signature.

 

This is a long winded way of saying that if the Bank has lost its paperwork then YOU hold all the aces - and if the paperwork they do hold doesn't suit their urrent stance then that's just too bad.c

 

Stick to your guns.

 

Good luck!

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Just noticed my signature is not showing - not sure why?

 

BD

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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???????????

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have recently been asked by a friend to help him out with his stuff.

He had a PG which was then extended to a second loan.

He had a limited company,which was voulntary wound up.

He then opened up a new company doing the same business.

The bank are chasing the PGs on 2 loans and were chasing a third which he got under the government guarantee scheme for the former business.

The gov i think were guaranteeing 80% in default.

The bank added this loan onto the original PG.

Knowing RBS I was pretty certain that they would have got their 80% back-which they denied saying that they had a duty to exhaust all avenues.

When they realised we were asking a few questions,they then changed tac and said erm no...that loan was not included in the PG -yet we have it in writing that they said it was earlier.

I think that there is a need for the CAG to explore all this and share info.

I am proposing to make a sub forum in the business bank section where everyone can post their threads,and that we can get some help and support together and share it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

hi could i ask what the hefty sum was that the bank 'confidentially' asked you to sign, i owed 24k on a PG that was for my Ltd company and the bank have just approached my solicitor asking if we will negotiate! could you advise.

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  • 2 weeks later...
Hope you are resolved. I have a VERY similar problem - except my wasnt in the little chef, but leaning against the photocopier and probably took 15 minutes as we had a cup of tee.

 

 

Can you please explain exactly what you mean here ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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