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    • Hi All,   To give a brief summary of the drama, I have 2 old student loans taken out /signed for on 27/02/96 and 17/07/96. Both totalling just over 3k.  Some years deferred, some years didn't and paid the minimum payment. Moved around a great deal and lost contact. The last time I deferred and filled the D10 form in was 19/08/13 with SLC.   Then Erudio took over and I received their Notice Of Assignment on 02/04/14. Ignored everything after this. No contact, no payments, nothing.   Then came Dryden Fairfax who's letters I ignored thinking it was just a DCA.   Then a court claim came on 03/06/2019 which made me sit up a little! I had a read up and came to the conclusion the debt must be SB'd so I submitted my defence within the time limit. My defence was mainly on SB grounds and that I had no dealings nor signed any paperwork with Erudio. The total amount claimed was £4969.25. The court confirmed they had received my defence.   I have checked on the MOC website and the defence submission by myself was the last activity.    2 YEARS LATER! (07/21)I receive another letter from Drydenfairfax. They claim in a nutshell that my limitation defence had no merit. This is due to the deferment being August 2013 and the claim was issued on 03/06/2019.  They state that they require payment by Aug 2nd or arrange a payment plan which may be formalised by means of a tomlin order. They then go on to state that they will have no alternative but to apply to the court to lift the stay on the proceedings without further notice. They say that such an application will include an application for summary judgment. Their letter included the D10 deferment from Aug2013, my two credit agreements (both of which are illegible and have amendments to my name. One of which is addressed to the college). And their notice of assignment letter.   So I'm presuming that the claim is stayed by the court as nothing has happened.   I have no searches or judgments on my credit report. It's squeaky clean!   I'm just really wondering where to go next with this? My thoughts are just to wait for any letters. Ignore everything from DrydenFairfax and just submit another defence of statute barred if I receive anything else from the court, as this looks like it was accepted first time round. Surely it must be quite difficult to get a stay lifted too. I'm assuming too that the debt was statute barred or if the claim date has stopped the clock. If so, what about the two years of no contact by Fairfax?   Any help or advice would be greatly appreciated.   Thanks                  
    • Hi hope you can help i sold a couple of hard drives in single auctions via ebay value £48 booked delivery via ebays packlink sent hermes, anyway within an hour of it being delivered i got the following message from the buyer.    Parcel arrived but is empty. I have not opened it but I can tell there is no hard drive in there it is light as a feather. Do you want me to open the box before I request refund?   I have spoken to ebay and nothing i can really do about it so he has opened a return i made him send me the following statement as i will be taking action.   (his name and address.) The parcel you sent me is I think empty or does not contain a hard drive. It only weight just over 100 grammes do cannot contain a hard drive, which was expected. For this reason I am processing a refund.   Anyway i filed with packlink yesterday lots of emails back and forth there reply.   With this email we confirm to have opened a formal investigation for tampering/missing content/theft. With the data you provided to us, the carrier will open an investigation and confirm the outcome to us. Take into account that this type investigation requires the coordination of different participants involved (driver, depot, warehouse, carrier's local offices), so it might be necessary to wait for a response from the different parties involved, before being able to provide you with an answer.     Now having read various accounts of packlink i do not hold out much luck of anything positive coming from it what next steps should i take is this worth pursuing what should i do next.   Thank you for taking the time to read i also attach a photo he sent me.   back1-converted.pdf
    • On the PM visiting Cornwall.   Boris Johnson visited a village in Cornwall and asked the inhabitants what the government could do for them. "We have two big needs" said the village spokesman. "First, we have a health centre but no doctor." Boris whipped out his mobile phone, spoke for a while and then said "I have sorted it out. A doctor will arrive here tomorrow. What is your other need?" "We have no mobile phone reception at all in our village." - America’s best pics and videos AMERICASBESTPICS.COM America’s best pics and videos is fun of your life. Images, GIFs and videos featured seven ti...  
    • Indeed. My employer is giving full pay precisely because we don't want to risk anyone saying they haven't been pinged, because they know they'll then  lose out on money.   So far, people have been so tired from staying home on furlough, they are desperate to get back to work, So no widescale abuse. We do have policies we can enact if someone is suspiciously multi-pinged... but they are the same as if someone was swinging the lead pre-covid. No change except in the type of illness.   What matters here is essentially "not killing people." A majority of employees are honest, want to see the employer survive, and so act decently. There's always a few bad apples, but there are in anything.
    • @Pandemic2021 why not try Kuwait embassy in London to see if they can provide information about how to deal with employment issues in Kuwait.
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Harland's


RobW688
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Me and my partner joined I-motion gym on the 4th January 2014.

 

On a non contract rolling month by month membership.

 

We went to the gym a couple of times and decided it wasn't for us so we cancelled befor our 1st direct debit came out

which was due on the 19th January 2014.

 

On the 25th we received a letter each which reads...

 

Your bank has advised us that your final instalment has been returned unpaid "instruction cancelled".

We have therefore added a £25 administration charge which means there is a balance due of £62.98.

 

To bring your agreement to an end call the Harland's helpline immediately on 08712502423

as we can collect the £62.98 by debit/credit card please ensure you have your card details to hand.

 

Alternatively you may send in a cheque which must reach us by no later than 28 jan 2014 to ensure that no further administration charges are incurred.

 

We have assumed that you do not wish to renew your membership.

If this is not the case and you do want to retain your membership at I-motion gym

please discuss this with one of our customer services team when you call to make payment.

 

Yours sincerely

Harland's

 

 

 

Just wanting abit of advice were do we stand as I don't want to incur more charges or get bad credit.

Thanks

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They wont mark your credit file. This is because they know very well their charges are masked penalty charges and are unenforceable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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moved you to the gym forum.

 

many many threads on them here.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No. Hold off on payments for now. Ignore their stupid timeframes. Sit tight and we have a site admin here who can advise on what to do next. All that harlands will do is send some silly threat letters and yell a lot. It's easy to make them back off. You just need specific advice.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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what more advice do you want?

just remember

 

they cant mark your CRA file

 

they cant charge admin fees.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What do I do now then just forget about it and leave it for the costs to build up and it gets passed to a collection agency? I just don't know what to do and can't be bothered with hassle

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The costs wont build up as they are unenforceable penalty charges. Like i said, their aim is to get money from you via any way they can, including lying, harassing and threatening you. Sit tight and ill see if i can grab someone.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Rob,

 

Don't speak to Harlands by phone at all and keep it in writing only.

 

If you check the T&C's of your m/ship, I think you'll find you have to give them a month's notice but you definitely do not have to pay and admin fee on top.

 

If you want to avoid a lengthy battle, I think you should pay what is due, namely :-

 

1. The amount due on the first DD date.

 

2. A further month's fee for the notice period.

 

See other threads for example letters to tell them you'll pay this amount when they confirm in writing that they'll accept it in settlement of all amounts due to them.

 

:-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I was thinking of asking them to accept payment for the first months membership and thats it. But should I have to even pay that as I didnt sign anything or enter a legal binding contract.

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Hi Rob,

 

Whatever you decide to try to pay, to end the matter, put your proposal in writing and await their written acceptance. Until then, the matter is in dispute and you can ignore demands from Harlands and their delightful pet DCA, CRS.

 

If you signed a DD mandate, was that not part of the gym agreement ? Do you have any copy documents to check exactly what you signed.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hi Rob,

 

Whatever you decide to try to pay, to end the matter, put your proposal in writing and await their written acceptance. Until then, the matter is in dispute and you can ignore demands from Harlands and their delightful pet DCA, CRS.

 

If you signed a DD mandate, was that not part of the gym agreement ? Do you have any copy documents to check exactly what you signed.

 

:-)

Didn't sign any documents. Did it on a computer and just ticked a box stating that I agree to terms and conditions.

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Hi Rob,

 

Ticking the box on a computer system is just the same as signing a paper document.

 

To bring this to an end with as little trouble as you can, I suggest you agree to pay for the 2nd month (the required notice period).

 

Adapt and use this letter to get Harlands to confirm they'll accept the amount offered to close the matter - http://www.consumeractiongroup.co.uk/forum/showthread.php?416268-Harlands-cancellation-problem&p=4456679&viewfull=1#post4456679

 

Do not offer to pay any admin fee, whatever else happens.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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