Jump to content
  • Tweets

  • Posts

    • 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.
    • why don't you have the green slip of the v5c and what do they want it for?  
    • thats pretty crap you can forget other agreement  thats simply a copy from Cabot filing cabinet of a blank agreement from somewhere and THB i seriously doubt even the tickbox one IS enforceable IMHO, not proof of the IP address used etc etc.   you indicated earlier this was taken out during a time of gambling etc?? was your credit file shot with defaults then and you had numerous other loans and debt etc etc   dx
    • Good evening,   I'm yet another person who didn't think before acting when it comes to a gym membership. I've had a read of quite a few threads before joining so I'm not exactly worried as I see the majority outcome is overwhelmingly positive from the members here, but I hope it's okay that I could seek some personal advice regarding dealing with Harlands myself?   I assumed that "no contract membership, no ties, cancel any time, no joining fee" meant I could cancel my direct debit through my banking app within my first month if I decide I don't like the gym (which I didn't) and absolutely nothing would come of it, I just wouldn't be able to get in the gym anymore. So I cancelled it a couple of days before my second payment was due, which I now see was a stupid thing to do.   After already cancelling my DD I then thought I'd better cancel it on X4L's website as well. Turns out "no ties, cancel any time" should actually read "30 day minimum cancellation window requiring two further payments". As they said my final payment would not infact be due 24th October, but instead be 24th November, even though when I cancelled my membership through the website, the 24th November was OUTSIDE of their 30 day cancellation window. Since I cancelled my DD during my first month without telling the gym and awaiting their cancellation window (which seems like such a scam when you read "no ties, cancel any time") it meant that my payment due 24th October bounced.   I feel extra foolish by the way, because I was certain I took a screenshot of my cancellation notice but cannot find proof of it anywhere, so I really hope that doesn't come back to bite me either.   Anyway as of today I began recieving text messages (which I cannot block - if someone could advise on that, that would be great!) and they also sent me this email:     And that letter reads:     I am well aware that from this point I will need to offer to at least pay the £14.99 for the bounced payment, which I am more than happy to do. I'm just worried that I'm also going to have to owe them £14.99 for November (despite it being outside of their 30 day window). I was just wondering at this stage do I send a letter to Harlands offering to pay the bounced payment but say I will not be paying the admin fee, and give them 14 days to accept that offer? And should I also send a letter to X4L explaining the situation, and ask for their pursuasion in getting Harlands to accept my offer?   Many thanks in advance to whoever responds, hope you can help a fool out!
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2253 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Folks,

 

I'm hoping someone can provide me with some help.

 

My ex-partner and I split up in 2003 and we were fortunate to have two properties and two endowments/life assurances relating to them.

 

We agreed verbally to take one endowment each,relating to the property that we held on to,and I subsequently signed a Deed of Assignment for the policy held by my ex removing my interest.

 

My ex even asked me to remove her from my policy,which I duly completed a Deed of Assignment for that one,Norwich Union,but unknown to me,she didn't send it back to NU for action.

 

More recently,I stopped the DD's and the policy has now been stopped.Norwich Union is currently retaining the funds,pending an agreement between the ex and I.

 

The problem is the following:

 

NU is saying since both our lives are insured,we are both owners of the policy.

 

As such,it wants both our agreement as to how to divide the money.

 

My ex,bless her,is now claiming half my NU policy now she has had all of the first one.

 

What pains me is that NU have confirmed in writing that all payments from the start of the policy have come direct from me,yet my ex appears to have me over a barrel,simply since I took care of her when we were together................

 

When we split,we each took the relevant Policy document,without which we cannot surrender,and indeed continued to reside in the respective houses.

 

I can't find the particular email from the ex asking to be removed,although have had a very helpful one more recently,gloating how she'll either take half now,or half later.................and thanks if I keep up the payments!!

 

What can I do to move forward-I have emailed the ex for a year now,and she simply doesn't respond.I callled her office the other day,and she was 'suddenly' in a meeting,and have even offered her 1000 to sign out,but still no joy.

 

Advice,case law or input from anyone in the know at NU??!!

 

I can't be the first person to face a vexacious ex on an endowment problem?!!

 

Thanks for reading the saga !!!

Link to post
Share on other sites
Guest Aviva Support

Hi wellingtonlane

 

Its been a while since i dealt with an endowment, so I've contacted a colleague to see where you stand.

 

Beccus

Link to post
Share on other sites

Dear All,

 

Is there any one on this Forum who has ever had a problem with getting their Endowment cashed when in joint names??

 

I'm running out of time for resolving this,and haven't heard anything from NU-nothing new there !!!!!

 

Thanks WL

Link to post
Share on other sites

Spoke to a really nice guy at NU who told me what I kind of knew..........

 

The ex has me again,and not much I can do about it!!

 

Guess I'll have to sue here for the money-any one had success with that kind of thing !?

 

WL

Edited by wellingtonlane
spelling
Link to post
Share on other sites
  • 5 years later...

Dear Caggers,Just to finalise this one...I had to agree to give my ex half of the Policy value, and Aviva have finally done this...A lesson learned, but at least we can both move on with our lives...in different directions..Cheers

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...