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    • 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 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Ok thank you for the good advice
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pinkrat

CSL sending all manner of threats on old Joint Bank Account debt

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Just reading this as I have numerous letters from CSL but have binned all envelopes, why is the suggestion to keep these as well? Thanks

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The envelopes will usually have no post mark but a bar code on them which shows when they were actually posted. They will also tell if the letters are sent 1st or 2nd class - and if someone like UK mail or TNT is used instead of Royal Mail - which menas a delay equivalent to 2nd class or longer - all useful if they claim anything is sent 1st class for "serving" purposes.

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Hi everyone,

 

I know this is an old thread but i have an update that i need help with.

 

Over the years this debt has been passed to many debt collectors and solicitors.

 

We have never acknowledged any of the letters or that they have found the right man at my address.

 

Today a letter has arrived from bryan carter solicitors,

its not the first correspondence from them but this says that they have been asked by Frederick International ltd

on behalf of Lowell financial ltd to issue court proceedings on 17th march.

If proceedings are issued, ccj costs etc.

 

If we dispute debt please provide reasons and documents in writing.

 

Is this a serious threat that can no longer be ignored?

 

Also my partner has been with me nearly 4 years now and had not contacted anyone before that regarding this debt

so we believe it is either SB or very close.

 

This was a joint account bank charges debt i believe with his wife that originally turned up through my door in both their names.

 

How do we find out how old the debt is without contacting the collectors?

 

Thanks in advance for any help.

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Carter is known to issue claims as a threat and to withdraw when a defence is filed.

 

 

Dates and events please:

 

 

What is the debt/ original creditor/amount.

Is this on your credit files? If you haven't checked it would be a good idea to do so.

When was the last payment or written acknowledgment made?

Was this a current account, with or without an overdraft/ loan?

 

 

The problem could be that your partners ex has made some payment or acknowledgment to the debt in the last 6 years restating the limitation period.

 

 

From the information given so far:

 

 

Check Credit Reference Files Experian & Equifax have 30 day free trials, Noddle is a free offshoot of Call Credit but is not always up to date.

 

 

As this has been through so many hands I would suggest there is some thing wrong and this is why court action has not been taken.

 

 

So cover the points given above and send the following to Carter.

 

 

Brian Carter LLP

 

 

 

 

 

 

Date

 

 

Ref: use theirs

 

 

 

 

Sir/ Madam

 

 

I refer to your letter dated Xx/XX/XXXX in which it is I owe a debt for £xxxx.xx originating from an account with xxxxxx please take note I do not acknowledge any such debt to your client, also I have not received any notification that your client has any authority to pursue payment of the alleged debt.

 

 

Therefore I put Brian Carter LLP and its Client to provide unequivocal proof that I have any liability for the alleged debt.

 

 

Please be aware that any County Court Claim will be robustly defended.

 

 

Send by recorded/ signed for post check delivery.


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Thanks Brigadier, my partner has never acknowledged debt or made a payment.

 

He's never checked his credit file so will do that now.

 

The debt is for £1500 ish from a joint current account with lloyds.

 

He never had anything to do with the finances, she dealt with it all so he knows little of the account.

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OK the fact that he knew/knows nothing regarding the conduct of this account it is important to get as much information as possible.

 

 

I would suggest a Subject Access Request under the Data Protection Act 1998 (SAR). This will provide all the personal data the bank has on your partner and the account.

 

 

There is a £10 statutory fee to pay, there is a template for this in the CAG library the bank has 40 days to comply.

 

 

Get the letter off to Carter asap.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ok ive done the credit file check and am a bit confused as to what it means. Can you help me with it?

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ok ive done the credit file check and am a bit confused as to what it means. Can you help me with it?

Yes of course please post the details here.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thankyou :)

 

On Credit agreement the debt is showed as been settled from lloyds july 2013,

 

i assume that is the debt company buying the debt?

 

There is a start date in 1996,

default date 2009,

so not SB

 

then an update of july 2013 on the lloyds debt.

 

Debtors have been chasing this debt at my address since 2011.

 

lowell portfolio ltd show the debt defaulted updated oct 2013.

 

On financial associates it lists his wife there along with lowell porfolio ltd updated oct 2013

 

What do all these updates mean?

 

Des it sound like wife has made contact?

 

It also shows a ccj that he didn't know about registered oct 2008

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well the CCJ will fall of on its 6th birthday so forget about that.

 

UNLESS it relates to theis debt

 

quite often later DCA's chase the same debt

without even knowing a prev one exists.

 

dx


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Yes the settled date is the date of the sale.

Default date in 2009 may not mean the debt is not SB.

 

 

He needs to check trust on line to see the data on the CCJ.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks dx, the ccj is a different deb

 

where do they get these update dates from, does that mean a contact has been made?

 

Do you still think its best to contact the debt company now?

 

Now we have seen the debt is a default on credit report ignoring will not make it come off. How do i now find out if it is SB?

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Hi DX and others,

 

I'm still struggling as to what to do for the best with this one.

 

This is my partners debt and i really don't want it to go to court and get a ccj.

 

Do the update dates on a credit report mean there has been contact on a debt

and reset the the debt from being SB?

 

Should we contact the debt company and make an offer to pay instalments?

 

We only have until 17th of this month before the threat of a court date.

 

This is a joint debt with his wife and it shows her with the debt on his financial associates.

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no they don't change the SB date

 

no let them run

 

forget the silly threats dates

you need to send that SAR

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Who do i send the sar too, the original company or the debt company? Sorry if i am being dumb :???:

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LLOyds - sar always goes to the ORIGINAL CREDITOR..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok i've sent the sar, what do i do with the information when we get it back?

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