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    • Thanks so much. My initial thought was that if they had a leg to stand on they wouldn’t be offering discounts, they’d be taking action. Just wanted to double check    Almost four  years have passed since they started harrassing me and it was just a horrible throwback to being a broke student and worried sick that I couldn’t come up with £200. So odd that they’re picking this up again after so much time has elapsed 
    • hsbc don't need their own data back. but yes send them a copy of the FOS CQ.   you are quite entitled to send the FOS a covering letter.
    • hi Laya and welcome to CAG   They are just trying their luck and you should ignore these demands with no reply at all.   Don't call or email or respond in any way - when they realise you're not taking their threats seriously, they'll move on to weaker prey.   There will be no court proceedings at all so don't worry about this. They have no grounds for court action and that's not how they operate.   😎
    • Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing.    Thanks so much for the advice and patience. Very much appreciated.    Regards   Jason
    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
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I was always unsure how much gas and electricity we were using as a family, especially with the costs nowadays.


Got sent a link to EnergyAverage.co.uk by a family friend at the weekend, which let me compare our gas and electicity consumption with other homes across the country.


Gas usage was just less than the average, but electricity usage was a good bit higher. All I need to do now is is persuade the kids that they really are using more than everyone else and could they please switch at least some of their gadgets off when they are finished!


Link might be useful to others trying to reduce their outgoings.

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