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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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      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.
       
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      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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JSA claim investigated


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My Son is currently claiming JSA and has been for a number of months now and despite bending over backwards and complying with everything the job centre have demanded attending the courses that have had no relevance to him at all and turning up for random interviews at the drop of a hat , they suddenly called him in for an interview today. When he arrived he discovered they were investigating him for allegedly not applying for a job he had put down on his job sheet and say that the large employer chain have no record of this. Firstly he has a number of rejection letters and interview letters from numerous applications for various jobs throughout his time claiming so all of these can be checked to show his previous record. The job centre have told him that they will let him know their decision shortly. He advised me he felt as if he was being pressured to say he was lying and hadnt actually applied for the job when i know that he did (I am for ever helping him fill out applications so i do know) He has no proof of the application and the job centre are taking the word of the prospective employer who says they have no record on their system. My son is now panicking as he feels like he has done something wrong and cannot prove that he did apply for the job however yet in my eyes the job centre cannot 100% prove he didnt either and with his previous record (which i again repeat is checkable) it appears as if they are wanting to just close his claim and leave him with nothing and accuse him of something that just is not true.

 

We would really appreciate some help on this matter as it is causing untold worry for him

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Firstly was this a job where the details were issued at an adviser meeting where he was "matched" to the vacancy by his adviser?

How was he required to apply for the vacancy? (CV/written application to be posted or email CV etc...)

 

The process is as follows the vacancy is matched by the adviser and the customer takes the vacancy details away with them. They either apply for the vacancy or they don't.

When the vacancy has been closed on the LMS system the advisers are required to ensure tat any customers who were matched to the vacancy did apply and they will contact the employer to confirm if an application wa received or not. They will only take further action if the employer us adamant that the customer did not apply then the customer will be asked for their reasons or to povide proof that they did apply.

Once the customer has given their reasons/statement the case is referred to the DMA team for a decision.

 

The decision can either be allowed or a sanction can be iomposed for a petriod of between 2 and 26 weeks.

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Hi Flumps thanks for your reply.

 

Ok the job was nothing to do with the job centre in the first place although they may have advertised it at some point possibly but my son submitted an enquiry via their online system as we knew the planning for a new build was starting so he was getting his hand in early however they say that the the prospective employer has no record of this and sadly neither does my son. As i said every job he has put down on his job sheet he has applied for but in all honesty the only ones he can confirm are the ones where he got an interview and then a knock back letter, as with most applications these days your lucky if you hear back from 2 in 10. He says that the woman who interviewed him today always seems to be on his back and any time he has asked for help towards courses or any information she has just dismissed him and told him to look at the website. Im not one of these people who foolishly believe my children at every point and take their word as law but i am constantly on his case making sure he is already doing all these things anyway as i know how the job centre can be. The only thing he may be guilty of in Naievty in his approach to that application? where does he stand ??

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They will not pursue refusing to apply unless the vacancy was matched so he needs to determine the full facts from his adviser first, he needs to know when he was matched to the vacancy how the application needed to be made as posted above. There is strict guidance to be followed for these referrals and the it can only be referred on a matched vacancy not on a vacancy that was found through a customers own independant job search.

Each case is considered on it's own merits so I can't say what te outcome will be, but from experince in the office that I work in employers are aware that their statement can have an effect on payments so have to be certain that no application has been made, if there is a slightest doubt then no referral will be made.

 

If he feels that there is a problem with his adviser he can request a different adviser in writing and the letter should be addressed to the adviser manager and then his request can be considered no guarantee that he will be referred to anyone else but it's worth a try.

 

With regards to his ES4 it is advised that he notes each activity that he takes for job search on a daily basis and not just note the vacancies he has applied for.

Help with courses has near enogh be removed now and it's only the courses run in conjunction with the JCP that he can referred to. If he wants to start a course he needs to ensure it is a part time course and that it fits it with his JSAg.

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The bottom line is: the employer not having a record doesn't positively prove your son has not applied for the position. Emails get lost, letters get lost or stolen and so on. The jobcentre can indeed DMA your son but he will appeal and will win. Just tell your son to be confident and not to fall into the Jobcentre trap. Source: happened to me before.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Thanks very much for the advice Flumps i thought as much but it does worry us, I wouldnt mind but he is one of the ones trying to find work but there just seems to be so many barriers nowadays!!! Thanks again

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