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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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    • 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
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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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      • 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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HPI checks dont always work. be WARNED


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I bought a car privately a couple of months ago. Was originally listed on ebay. But we went to view the car and decided to buy. He took it off ebay so no1 could buy in the meantime, we left a small deposit, he said he had got the car from a lady who had bought his car off him and he had taken money and the car off her in part ex. But didnt really need the car so decided to sell, he had the hpi check from hpicheck.com which said the car was ok on all counts. But i had my own done from experian, which was all ok again. the biggest in the country may i add. We Handed over cash a few days later and got signed receipt from the seller. Then a few days ago we received a letter from a solicitors stating the 1st owner owed finance on the car, she had bought from new 5 yrs ago. £6175 STILL owing. They said if we did not pay the amount the car would be repossesed in 14 days. Devastated was an understatement. So we rang the solicitors, they said send receipts from the seller and the hpi checks, so we faxed them same day. We also send him a copy of the listing on ebay to prove where we seen the car. We of course rang hpicheck.com and experian both were as blown away as we were. And it is being investigated now.

The person owing the money appears to have done a runner to spain, they only had her maiden name and her address from when she bought the car. I had receipts in with all documents which had her new uk address on and her spanish address. So i passed them on to the solicitors, who have since passed to the lender (HSBC) Received a phone call today from solicitors to say that the car is ours and have sent a letter to say this. :D And the lender is now pursuing in another way, PHEW

This still doesnt answer the question why oh why didnt the debt appear on the 2 hpi checks. Not very reassuring is it. Neither company still cant answer this.

This is the 1st time ive bought a car privately and the very LAST time too. I could have lost almost 10k. My heart goes out to all the stories ive read on forums this week whilst ive been going through the same situation but thankfully turned out OK for me. :D

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you are right they do not have to by law list cars on the hpi register. but if you have done one though a good company then they are insured against this and you either get your money back or they pay the dept for you. just think what would have happend if you never did a hpi check.

 

am glad it all ended good for you.

Published articles - No HPI registration? No problem - Wragge & Co - Law Firm

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Well as the lender was HSBC you would automatically think that they would put them on the hpi register, and judging by the stories ive read on the forums this last week, they normally do. But if thats the case and they hadnt registered her debt on the hpi register at the time of purchase, they are the ones who are losing out in this case, as they are out of pocket by 6k now, If it had been on the register in the 1st place she wouldnt have been able to sell the car and then they could have repossesed off her. It should be made law that all lenders should register the debt. Otherwise this makes the HPI checks worthless.

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  • 3 weeks later...

Happy you bought the car in good faith as an innocent purchaser. Under the HP act 1964 it is now yours. Do not let them take it and if your are not comfortable ring a solicitor and get them involved.

 

Beleive me you have no need to pay them anything or give them the car back

 

see the following thread on here as well. http://www.consumeractiongroup.co.uk/forum/vehicle-repossessions/265444-bought-car-hp-still.html#post3013103

 

further more do not give them the car then claim from HPI as you will be wasting your time.

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Happy you bought the car in good faith as an innocent purchaser. Under the HP act 1964 it is now yours. Do not let them take it and if your are not comfortable ring a solicitor and get them involved.

 

Beleive me you have no need to pay them anything or give them the car back

 

see the following thread on here as well. http://www.consumeractiongroup.co.uk/forum/vehicle-repossessions/265444-bought-car-hp-still.html#post3013103

 

further more do not give them the car then claim from HPI as you will be wasting your time.

 

 

you are only covered under the hpi act if a HPI check was done. so like the orig post he has 2 so he is covered but just think what could have happend if he never

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We have now received letters back from the solicitors pursuing the debt and the finance company , saying we are innocent buyers and will pursue the people who owe the hp in a differant way. But still no replies from the hpi companies who are apparently investigating the reason why the hpi did not show. Still not very encouraging for people buying used cars privately is it. thanks for all your input.

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yes i know that, when we done the hpi check my son who works in a landrover dealership done a experian hpi check, and i done my own on hpicheck.com. both still investigating lol :rolleyes:

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