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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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      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.
       
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      • 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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If you havent received it yet Ford, looks like yours got stuck at the back of the drawer ;)

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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hi. i mentioned c ball in jest, as you posted, then caps had the v same thing! must've been a batch. am now awaiting mine :)

 

 

Yours must be coming by snail mail :-)

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what are the options?

start again with a cca request, prove it, and also request proof re the assignment? see what they come back with.

or, ignore?

or, write saying was in dispute with loyds re such and such, please clarify your position, provide proof of involvement etc?

or?

Edited by Ford

IMO

:-):rant:

 

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  • 2 months later...
Goodness, what's happened here?

 

Sorry you've been ignored Ford!

 

Now getting threatening letters from Lowells so will have to re-visit the file and refresh the situation.

 

 

no worries :)

 

beware with lowells and their bw legal as they seem to be trigger happy with statutory demands!

Edited by Ford

IMO

:-):rant:

 

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Goodness, what's happened here?

 

Sorry you've been ignored Ford!

 

Now getting threatening letters from Lowells so will have to re-visit the file and refresh the situation.

 

In what way threatening Dotty?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Caps, nothing I'm overly concerned about at the moment, just the usual pay up or else letters, mentioning all the things that they can do etc.

 

All I've done is sent the standard CCA request to see what they come up with, bearing in mind that Lloyds have been looking for it for about three years! :roll:

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And with the new split between Lloyds and TSB it may not have improved their efficiency and filing techniques that they were so good at LOL

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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  • 4 weeks later...

Hi Caps,

 

How are things going here?

 

I've not been able to update due to OH having an accident (ok now) but he did get an SD!

 

It was put through our letterbox in a hand written envelope!

 

I am getting professional assistance as I didn't want to risk the consequences but I will update any news as soon as I hear more.

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lowells? as expected, its their m.o. that they have actually been told off in court for using, but they still do it! there is now a sticky thread re them and SD in legal forum. good luck dotty, hope you/your legals give them what for.

Edited by Ford

IMO

:-):rant:

 

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Thank Ford, I was going to comment on the thread that you linked above but it's been closed! :???:

 

I have been reading some of the others.

 

I have also read elsewhere that Lowells are backing down very quickly in some cases!

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Dotty, yes.. Lowells do tend to reverse course if they are advised an application to set aside is being submitted.. especially if there is non compliance of s78 request or there is an unresolved dispute with the original creditor they were made aware of.

 

The thread is closed because it is information only. We have discovered from experience, that new members tend not to start a thread, but tack on to those in existence which simply makes work having to move them into a thread of their own. If anyone has something that they feel should be added for the benefit of everyone, then just let site team know and they can include. Other than that, we would prefer people to start a thread.

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Hi Dotty, Did they ever get back to you re CCA request? Surely they cant SD you whilst this is outstanding? I'll PM you with my update

 

thats the issue. they 'can' issue an sd, and so do so gung ho, despite it not being appropriate to do so. i hope the oft are looking into their antics.

one other thing, when they lose in court and get 'told off' re making a spurious sd, i bet that their legals in court don't report back to lowells about that!

anyway, good luck on yours capricorn. no doubt you will prob also get one soon.

Edited by Ford

IMO

:-):rant:

 

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Oh dear Ford. I can really understand why folks have drifted away from this site with comments like that above. Once this site offered support where folks needed it. It has gone down hill.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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thats the issue. they 'can', and so do so gung ho, despite it not being appropriate to do so. i hope the oft are looking into their antics.

one other thing, when they lose in court and get 'told off' re making a spurious sd, i bet that their legals in court don't report back to lowells about that!

anyway, good luck on yours capricorn. no doubt you will prob also get one soon.

 

I very much doubt it. You dont know the facts of my case, as I dont update my thread, for reasons I have shared with you. I think you should be very careful before making comments like the ones above. You dont know how it makes me feel. I used to come to this forum for support from people going through similar circumstances. I really dont need comments like the one above. I am all too well aware of Lowells MO. So far I have handled this on my own. I dont need reasons to become depressed Ford. Clearly this Forum isnt what it used to be, with its negativity and poor advice.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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seems like you 'very much' have misinterpreted, and taken things personally.

it was re lowells' 'gung ho' use of sd's, that needs to be addressed. and despite them being 'told off' in court they still continue with their antics. and hopefully the oft will intervene.

you're not updating your thread (understandably), so i was wishing you well with it. i don't know what you do or do not know, you're not posting up! just saying (in criticism of lowells) that given lowells use of sd's, the chances are that you might get one also (like anyone else who is 'with' lowells, in no payment plan, might)! no 'poor advice' or negativity there! in fact, no advice at all! just facts and reality. forewarned is forearmed, as they say.

ps if you feel that there has been 'poor advice' going around for awhile, including any of mine, then why don't you post up and correct it? contrary to what you say, i have found this forum to be v informative and helpful. and the advice/posts given by people who take time to do so, to be v helpful.

adieu

Edited by Ford

IMO

:-):rant:

 

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