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    • So I ONLY contact X4L and not Harlands, right?   Just checking is this their correct address? XERCISE4LESS Head Office 1 Kirkstall Industrial Estate Kirkstall Road Burley Leeds LS4 2AZ   Here's the letter I intend to send, should I pull the trigger or change anything? (I'll obviously add customer reference numbers and such too so they know who I am)   Dear sir or madam,   I refer to my Xercise4Less membership in Hull which I chose to cancel.   I now realise I should have paid 1 final month's gym fee after giving notice to cancel and offer to pay this gym fee now. I will not pay the unlawful admin fee which you say is also due.   Please confirm in writing that you will accept the £14.99 gym fee to settle this matter and supply your payment details and a payments reference number.   If you demand any higher amount, or fail to accept my offer within 14 days, the offer will be withdrawn and all further communication from yourself or Harlands will be ignored.   Yours faithfully,
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • no ofcourse not it's all hot air hoping to mug you.
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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?
       
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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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Hello,

 

I foolishly bought a large car yesterday from Carcraft, so today I went back to do the 7 day exchange, however they have told me they have to wait for Black Horse finance to return the money (or something along those lines)

and that it could take 2 or 3 days.

 

Now, it's the bank holiday weekend and this puts it at potentially Tuesday or Wednesday next week, i.e. right at the end of my exchange window.

 

I'm wondering whether this "2 or 3 days" to get the finance resorted with Black Horse is normal or whether they are trying to screw me around so that I can't swap cars.

 

The car I have seen to exchange it for is cheaper, and I've told them I will pay the cash to get it instead of taking out another finance policy.

 

They have told me until Black Horse gets sorted, they can't take the car I bought yesterday back nor give me the new one.

 

Is this normal?

 

I messed them around a little bit which I've apologized for but I'm uneasy at whether they are trying to con me out of the exchange in some sort of revenge.

 

I have rung them several times and been assured it's all fine, etc. but obviously they would say that, any third-party advice or the Carcraft Customer Service people that can kind of advise on this would be much appreciated.

 

I also offered to pay a deposit on the new car (it's currently being used as a company car by someone in their showroom), which they said I didn't need to pay.

Edited by andrewdc
Added part about deposit
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we have CC onboard here

 

linzi usually sorts things out

 

I've alerted her to this thread.

 

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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Guest Carcraft Customer Service Manager

Hi Andrew,

 

We will do our best to help you, if you could give us your full name or the vehicle registration you purchased we can get your contact details.

 

Otherwise you can call us now on 0800 923 9495 (the team will be available until 6pm)

 

Thanks

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The vehicle registration is XXXXX,

 

I have phoned your Customer Service department and

 

they rang the showroom and confirmed it was all going through

and even if it went beyond Wednesday the 7 day exchange can still go ahead.

 

The person I spoke to said they had put a note on my account,

but my previous experience with companies that "put notes on accounts"

is one where the putting notes anywhere doesn't exist.

 

Please could you confirm and let me know (in whatever detail possible)

 

what kind of notes have been written?

 

Thank you for your help.

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I've just taken a call and I have to say the customer services department has so far been brilliant, thank you.

 

If by this time next week I'm driving the car I've asked to exchange it for, my opinion on the entire Carcraft operation will have changed positively.

 

It's just a wait and see sort of thing at the moment! I will post a final update once everything has happened.

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thsnk you

 

and well done everyone

 

keep us informed.

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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The only problem I seem to have now (which Carcraft can't really help with), is the car insurance, I couldn't of picked a better weekend to have 7 days free insurance could I? :|

 

I don't suppose anyone can recommend the cheapest possible way of insuring it for a further 7 days, etc? Would the only way be to take out an actual full insurance policy? It's only for if this isn't resolved by Wednesday which is when the insurance is due to expire.

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i wonder what linzi says?

 

have you asked what will happen?

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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Hi dx100uk, I will try to contact the Carcraft customer service centre tomorrow or Saturday (I suspect they won't be working Bank Holidays?) to see what they recommend, but in the meantime if anyone does have any ideas, I'd appreciate it.

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It looks like customer services is closed until Tuesday. The car I asked to exchange for is still on the website too (they said it'd be removed after a day), I guess I'm incredibly anxious and wanting this to happen quickly considering there is a lot of money over many years on my part tied to this entire thing...

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Update for the day:

 

I received a call from the showroom to say I could pick up the car today

however on my way I received a second call to say the water pump had been found to be leaking

when they were doing the 120 point checks again

(the employee had done over 500 miles since he had it as a company car)

and that I will have to wait for it to be fixed,

either tomorrow or early next week.

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Final update now:

 

the car was repaired and I've taken delivery,

although it took me nearly 90 minutes to pay the cash value for it

(which I felt was because I was exchanging so they put me at the back of the queue maybe),

 

the salesman I've been dealing with the past few days was extremely nice but the manager I felt was trying to avoid me.

 

I did get the personal number of someone I think was above the showroom managers and he managed to get things moved really quickly for me.

 

Although I would shop at carcraft again based on the help I've received from carcrafts head office

and this guy that gave me his number, its very unlikely I'll ever buy a car from the Leeds showroom again.

 

Thank you to Linzi, Gavin (the guy) and the others that helped me.

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  • 4 weeks later...

Update nearly a month on: Carcraft never completed the return of advance so Black Horse just took near £400 out of my account, completely unexpected because the finance manager at Leeds told me to not worry and it'd be completed 3 days after I had left.

 

Not sure I'm going to trust these people again now, such a joke from people that claim to be professionals.

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Guest Carcraft Customer Service Manager

Hi AndrewHas this still not been done? I will investigate straight away if not.ThanksLinzi

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Black Horse had said a full return of advance came through to them a few days ago, so it's questionable as to why it took Carcraft so long to get it done, and it looks like the Direct Debit was in motion by that point but if it had been returned to Black Horse within a week of the car being exchanged, this wouldn't of been a problem. I guess it's in Black Horses' hands now to close the account and issue a refund, just annoyed this has happened in the first place.

 

Also if you don't mind me asking, what should I do with the V5 document for the car I exchanged? I received it yesterday.

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Guest Carcraft Customer Service Manager

Hi AndrewI am very sorry that this delay happened and i we will look into this internally.Regarding your V5, if you could post it to head office we would be very grateful - the address is:Carcraft Customer ServicesCarcraft RochdaleNixon StreetCastletonRochdaleLancashireOL11 3JWMany thanksLinzi

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Thank you, I'll send the V5 to you on Monday - as for Black Horse, I need to ring them in a day or two and then it'll take 10 days to get the refund... :(

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Guest Carcraft Customer Service Manager

Thank you very much Andrew. In relation to your latter point, I am very sorry that it has been dragged out longer than anticipated, but if you do need any further assistance, please do let me know.

 

Thanks

Linzi

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I got the money back yesterday after going into my local bank branch and requesting an indemnity claim be raised against Black Horse, the V5 has been put in the post today and it should be with you, hopefully by the end of this week - I have not included a letter or anything with it, it's just the V5 in an envelope.

 

Thank you for your help Linzi.

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Guest Carcraft Customer Service Manager

Thanks very much Andrew, and you are more than welcome - glad it is finally resolved for you

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so we are all happy now...

 

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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