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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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Expert believes customer's signature was forged!!!


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Looks like they've appointed lightweights as they have no intention of meeting you in court. They have been instructed to negotiate a settlement (which it says). No way do they wnat this one going on public record.

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-----Original Message-----

From: xxxxxxxxxxxxxxx

To: xxxxxxxxxxxxx

Sent: Mon, 17 Oct 2011 10:53

Subject: Re: xxxxxxxxxxxxxxx v The Royal Bank of Scotland Plc

 

Dear xxxxxxxxxx

Please find attached correspondence.

 

I do not believe it would serve any useful purpose for you to present me with a further copy of an instrument acknowledged by all parties as false.

 

However, it would seem prudent for you to present a true copy of the agreement xxxxxxxxxxxx your client refers to within the attached.

 

I look forward to receipting all 3 named documents, in the alternative, you may wish to discuss the matter further with your client.

 

Thank you again for your time.

 

Regards

 

xxxxxxxxxxxxxxxxx

 

 

-----Original Message-----

From:

To:

Sent: Mon, 17 Oct 2011 9:00

Subject: xxxxxxxxxxxxxxx v The Royal Bank of Scotland Plc

 

Dear xxxxxxxxx

 

xxxxxxxx v The Royal Bank of Scotland Plc

Claim No: 1CTxxxxxxx

 

Thank you for taking the time for speaking with us on Friday.

As discussed, we are keen to reach a resolution in this matter but it is imperative that both parties understand each other’s position.

 

As we understand, it is your case that the Bank has xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx:

 

1. Copy agreement number xxxxxxxx dated 17 September 2007 which you say you did not sign. We understand that this was provided to you on 29 November 2010. However, we will provide you with a further copy if you so wish.

2. Direct debit mandate in relation to the above numbered loan account.

3. Direct debit mandate which relates to loan account numbered xxxxxxxxx.

 

We will make enquiries with the Bank in relation to 2 and 3 above.

 

You have indicated to us that the Bank is seeking to pursue you for sums payable under the loan agreement which you say you did not sign and in those circumstances, we should be grateful if you would provide us with copies of that correspondence.

 

As discussed, we are committed to resolving this matter and ensuring that all documents have been provided to you. It will be difficult for us to do so, however, in the absence of your co-operation.

 

We look forward to hearing from you.

 

 

Yours faithfully

 

 

 

xxxxxxxxxxxxxxxxxxx

Solicitor

Banking & Finance

Litigation

 

 

For Matthew Arnold & Baldwin LLP

 

 

 

 

 

 

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Hi Paul,

That's an amazing letter!! :whoo:

Is the person it refers to likely to go public, as in inform the press??

It would do so much good for so many people on here!

 

Thanks for sharing it,

 

Elsa x

 

Natwest have been invited to comment and...... the helpful bank have declined the opportunity to free broadsheet press

 

Oh and, I look like an axe murderer in print [allegedly] :-)

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Oh, is this being reported in the press, Mike.. Where, when, link please :)

 

I am sure you dont look like an axe murderer at all :lol:

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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Oh, is this being reported in the press, Mike.. Where, when, link please :)

 

I am sure you dont look like an axe murderer at all :lol:

 

I'm sure Mike will let CAGgers know on the eve of the expose.:wink::wink:

 

Looks like RBS has a bit of previous on this.

 

 

http://www.thesun.co.uk/sol/homepage/news/money/3945948/Virgin-We-will-be-your-Rock.html

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Many thanks.. :)

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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From: xxxxxxxxxxxxxx

Sent: Thursday, December 01, 2011 xxxxxxxxxxx

To: xxxxxxxxxxxxx@kent.pnn.police.uk

Cc: xxxxxxxxxxxxx@oft.gsi.gov.uk

Subject: SI CY xxxxxxxxxxxxxxxx

 

 

 

 

 

 

Please print and file in the above S.I

 

 

 

Regards

 

 

 

xxxxxxxxxxxxx

 

 

 

 

 

From: xxxxxxxxxxx

Sent: Wednesday, November 30, 2011 xxxxxxxxxxxx

To: xxxxxxxxxxxxxx

Subject: Fw: xxxxxxxxxxxxxxx v The Royal Bank of Scotland Plc

 

 

 

 

 

 

Dear xxxxxxxxxxxxx

 

 

 

I await copy correspondence [below], I trust you are not attempting to mislead the claimant or relying on further cost encumbrance to same in its provision.

 

 

 

Legal privilege and part 36 are not an 'open door' to abuse of process, dialogue to date has shown no proposal to settle and as such will be presented to the court when costs are assessed.

 

 

 

Our previous dialogue confirmed that you were aware of all facts in this case, I can only advise that it would be extremely unwise to further mislead the claimant in 'explanation' of documents previously presented.

 

 

 

Your conduct will of course be brought to the attention of the court.

 

 

 

I trust I make my position clear and look forward to sight of your clients proposal.

 

 

 

xxxxxxxxxxxxx

 

 

 

 

 

 

 

From: xxxxxxxxxxxx

Sent: Tuesday, November 29, 2011 xxxxxxxxx

To: xxxxxxxxxxxxxx

Subject: Re: xxxxxxxxxxxxxx v The Royal Bank of Scotland Plc

 

 

 

 

 

 

Dear xxxxxxxxxxxxxxxx

 

 

 

On the basis that any agreement to further extension was effective 'post' service of your clients proposal, I can only trust that you have not advised the court to the contrary.

 

 

 

Perhaps, you would care to forward me a copy of your correspondence to the court to which you refer below.

 

 

 

I do of course continue to look forward to receipt of your clients proposals.

 

 

 

xxxxxxxxxxxx

 

 

 

 

 

From: xxxxxxxxxxxx

Sent: Monday, November 28, 2011 xxxxxxxxxxx

To: xxxxxxxxxxxxx

Subject: xxxxxxxxxxxxxx v The Royal Bank of Scotland Plc

 

 

 

 

 

 

 

 

Without Prejudice

Save as to costs

 

Dear xxxxxxxxxxxxx

 

Mr xxxxxxxxxxxx v The Royal Bank of Scotland Plc

Claim No:xxxxxxxxxxxxx

 

I write to confirm that I have written to the Court asking that the stay be extended until 2 January 2012.

 

I know that you have not yet heard from us with proposals and these are currently in draft form and with the Bank for their approval. I should be in a position to come back to you at the end of the week with some proposals and a full explanation of the documents which have arisen from you subject access request.

 

Should you wish to give me a call in the meantime, please do not hesitate to do so.

 

Yours sincerely,

xxxxxxxxxxx

 

 

 

xxxxxxxxxxxx

Solicitor

Banking & Finance

Litigation

 

 

 

 

T: +44 (0)xxxxxxxxxxxxxxxF: +44 (0)xxxxxxxxxxxxxxxE: xxxxxxxxxxxxxxx

For Matthew Arnold & Baldwin LLP

85 Fleet Street, London EC4Y 1AE

21 Station Road, Watford WD17 1HT

 

 

 

 

 

 

Please consider the environment before printing this email.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Matthew Arnold & Baldwin LLP is a limited liability partnership registered in England & Wales (registered Number: OC343595) and is authorised and regulated by the Solicitors Regulation Authority. SRA Number: 508037. A list of members (and any non-members who are designated as partners) of Matthew Arnold & Baldwin LLP is open to inspection at the LLP's registered office: 21 Station Road, Watford, WD17 1HT, United Kingdom. We use the word 'partner' to refer to a member of the LLP or an employee or consultant with equivalent standing and qualification.

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Just change the Capital N in natwest to small case...

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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That one works fine...:wink:

I'm disappointed though..thought you were going to have a perm and blue rinse for the photo!

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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Note the boys in blue claim 'civil' when a complaint is made against a bank.

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Note, the boys in blue claim 'civil' when a complaint is made against a bank.
Good point Paul,if it was us forging documents our feet would't touch the ground all ways one rule for them another for the general public,just one more point this bank is owned by the tax payer and they are employing lawyers to defend there criminal actions with tax payers money,your money fighting you, how can that be right,regards Streetwise.
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Incredible story, Just came across it when a friend emailed it me, absolutely appalling behaviour by this bank, well, I must admit, I have been very sceptical when other CAGgers have mentioned the reason for not signing documents is because of the alleged fraudulent use by the banks, but now I shall eat humble pie, this is proof of just what money and power does to people, unbloodybelievable! Maybe

this bank is owned by the tax payer and they are employing lawyers to defend there criminal actions with tax payers money,your money fighting you, how can that be right
that needs to be mentioned to the press?

If I banked with these lot, then not only would I close my account immediately I would also be writing to the CEO of said bank along with my MP and demanding to know why yet again the public is paying for the bank to defend itself? It's not as if they don't have enough profit?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Good point Paul,if it was us forging documents our feet would't touch the ground all ways one rule for them another for the general public,just one more point this bank is owned by the tax payer and they are employing lawyers to defend there criminal actions with tax payers money,your money fighting you, how can that be right,regards Streetwise.
You have a problem here my second post was removed why.
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You have a problem here my second post was removed why.

 

I've PM'd you streetwise.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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