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    • 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!
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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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Lots of debt and have questions!


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Hi evryone,

 

I've been reading the threads on this site for hours and i can't believe there's so much stuff i don't know

Basically i have lots of debt through unsecured loans, credit cards and catalogues amounting to about £20,000. I did start a plan with Payplan but my husband and i split up and its totally got even worse now. I keep reading about things to do with CCA's , can someone explain what this is? I know i probably seem a bit stupid but literally just stumbled upon this site and its already the most helpful thing i've read about debt and already feeling more positive.

Thanks

Helen

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Welcome to CAG Helen, you have come to the right place.

A CCA request is sent to whoever you have alleged debts with if they are credit cards or loans.

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter.

You send this to see if the agreements are enforceable or not.

Send by recorded delivery with a £1 postal order, do not sign just print your name. Edit as necessary,

Post up what ever you get back using tiny pics or photobucket removing all personal identifiers and you will be advised accordingly.

 

Can you give a few more details of your alleged debts before procedeing

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I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Thanks thats brilliant. All of my credit cards (4 in total) are Halifax as are 2 loans. One of the loans has just turned into a CCJ and i'm having to pay £150 a month so i don't think i can do anything about that one. I also have a Littlewoods catalogue account.

With regards to your message, what makes the agreements enforcable or not?

Thanks again for taking the time to answer.

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Thanks thats brilliant. All of my credit cards (4 in total) are Halifax as are 2 loans. One of the loans has just turned into a CCJ and i'm having to pay £150 a month so i don't think i can do anything about that one. I also have a Littlewoods catalogue account.

With regards to your message, what makes the agreements enforcable or not?

Thanks again for taking the time to answer.

 

Hi Helen, this link should help:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?105315-Is-My-Agreement-Enforceable-Useful

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I thing you should start everything again, cos you are single now start from beginning

1. feel one of Excel Budget Planner.xls

2. write to creditors about changes in you circumstance, and ask them to hold additional charges, you can found templates letters http://www.consumeractiongroup.co.uk/forum/showthread.php?20758-Creditors-and-DCAs-Letter-Templates-Budget-Planner

i will recommend you book to start your new fresh live (this will get your husband)

"The money secret" Rob Parsons & "The money tree" Martin Bamford i will also read "The sixty minute of marriage" Rob Parsons - if you have any children

 

Please be aware that im not finance adviser - Good luck

I have no legal training, I'm based on my own personal experiences.

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Hi Helen 10

 

A warm welcome to the forums, you seem to be in a pickle and confused to, thats pretty normal, can you post a ' potted history ' ( a judge asked me that in a recent hearing ). ie amounts to whom, state of play, how did the loan turn to ccj? did you not defend?.

 

Give us as much info as you can and we will all help you out.

 

Mr W

Regards..Mr Worried :)

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Have you contacted Payplan to explain about your change in circumstances? If not, they will be able to review your income and expenditure again to find a more management and realistic payment for you to pay to your creditors.

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Hi Helen

 

At some point you need to see if you have been mis-sold PPI which you can claim back with interest. Also have you paid Penalty Charges that you can claim back with interest. You can claim back at least 6 years as a minimum, it could make a quite a difference. All templates + spreadsheet + help can be found on this site.

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