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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?
       
      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.
       
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    • 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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Count Court Claim received MBNA\Optima


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When you draft your letter, highlight any words , phrases, you feel they may not understand and enclose the dictionary definition or suitable explanation.

 

This could mean that your letter looks as though it has a severe rash.. but what can you do:rolleyes::D

 

Its nice to wake up and have a chuckle :D

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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When you draft your letter, highlight any words , phrases, you feel they may not understand and enclose the dictionary definition or suitable explanation.

 

This could mean that your letter looks as though it has a severe rash.. but what can you do:rolleyes::D

Yes CB, I have always done that. Perhaps I should highlight the whole letter.

 

I will copy the court manager in again.

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hi vint

our cases are running side by side i'm watching yours with great interest as i now know what to expect in the post next, good luck

No, good luck to you shakti. You WILL need it:rolleyes:

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This just gets more concerning. I cannot beleive that these are solicitors drafting these responses.

 

They issue a claim with no supporting documents in their hands.

 

They reply to my first 5 CPR 31.14 letters with illegible documents and documents missing when their letters state they are enclosed.

 

They ignore my CPR 31.15 letter to inspect the documents.

 

I am forced to issue an embarrassed defence.

 

They issue a reply to my defence, where the references to para numbers from my ED are mis-quoted.

 

In their reply they refer to the bundle attached, but this has documents missing that they refer to in their reply as being in the bundle. 2 more illegible sheets.

 

In their covering letter they state that their client is unable to provide the original agreement, yet in their response to the ED, they state that they have the documentation to prove the claim.

 

They have put me to strict proof, when they are the claimant.

 

Then require me to file a fully particularised claim by next week. I have a fuller defence ready, however it is still part embarrassed where the agreement is concerned.

 

I have written to the court twice now, advising them of the situation, but no response.

 

Ho Hum.

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Vint, They cannot order or even require you to put in a fuller defence. Onlly the court can do that.

 

If you are still corresponding with Northampton then they wont reply to your letters, I dont think. They didnt to mine .. however the claim was stayed and still is (not an MBNA situation).

 

Have you telephoned Northampton to see if they can offer any advice... they are usually pretty helpful in a non committed sort of way !!

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I wonder if Optima are gearing up to issuing a Summary Judgement ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi CB,

 

Spoke with the court. Pretty helpful as you said.

 

Despite our freinds issueing an official looking reply to my defence, they have not lodged it with the court. They have heard nothing from them.

 

He says they have until the 15th Feb, then it goes before the judge for directions and a probable order to supply documents.

 

They apparently cannot obtain an SJ as I have filed a defence.

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Sorry I dont have any expertise to advise you Vint - just want to offer some moral support! :)

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Sorry I dont have any expertise to advise you Vint - just want to offer some moral support! :)

Thanks haggis. A little more comfortable now, having spoken with the court. They seem to know Optima of old;)

 

Even more depressing was speaking to my sister just now. They live in Crete. They don't have much money, but are extremely relaxed and can afford to eat and drink well. rates or council tax is £70 a year, water is £60 a year, food where they live is about 35% of the uk prices.:sad: I love Greece.

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Ahh well Vint, look on the bright side.. Ed Balls could get to be Prime Minister.....

 

 

No No please God NO!!!!!!

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

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Sorreeeee

I'd sit on the naughty step but someone took it...

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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:D

I feel a bit cheered up now after bringing my filing up to date for the last hour. It's reminded me that I'm sitting on, not a naughty step but:

3 faulty DN's (1 loan, two CC's)

4 accounts without any agreements, one of which just gave up and removed it from my credit file (without being asked) after admitting they didn't have one.

Methinks it's the happy hour :)

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Intravenously. But it doesn't matter after you've had a couple. My sleech gets spurred. Mines a brandy and coke :D

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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Vint. My source on the inside tells me that your case has now been transferred to the Dispute Resolution Department of Optima and is currently being handled by a G**** P*****. This person is a solicitor albeit newly qualified.

 

I also have it on good authority that there are one or two people at Optima who have now started tuning in regularly to these forums to see what's being said about them and what errors have crept into their output...... Seems that they might be using this board as a sort of educational/training tool ;). Oh well, if they didn't persist in making errors and turning out shoddy work as they seem to have been doing from the evidence on here and documents which other people have posted up, we wouldn't have anything to write about... Fair comment, justified opinions and qualified privilege all apply....

 

Vint. If they do attempt to go for summary judgment, remember, the test for summary judgment is very, very high and if you have still got outstanding issues and questions it would be entirely inappropriate for them to chance any such application. I don't have to remind you but keep all letters and documentation.

 

Regards

Thanks Langster,

 

Just a couple of points, not sure how they would know who I was from this site.

 

Can you elaborate on Despute Resolution.

 

Regards

 

Vint.

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Hi Vint, just a line to wish you good luck with this.

 

Thanks for your help with my concerns & questions on my cases in the past.

 

ps/ Can I get to Greece with a couple of "Cornflake boxes" also!! :D

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Hey Vint,

 

Just doing some bored surfing and came accross this:

 

http://www.consumeractiongroup.co.uk/forum/campaign/97712-complain-about-litigation-behaviour.html

 

Might be worth a complaint about the idiots you're dealing with

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hi Vint, just a line to wish you good luck with this.

 

Thanks for your help with my concerns & questions on my cases in the past.

 

ps/ Can I get to Greece with a couple of "Cornflake boxes" also!! :D

Would be nice:)

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Hi vinnt,

Just returned from another short stay in hospital and i find that you're upto your ears in it ! looks like you're getting some good advice though,i know you can take care of yourself but we're all crossing fingers for you,give em hell.

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