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    • Hi,  Update: the breeder has now had a solicitors letter sent to me refusing to accept judgement based on a faulty service ( claiming the name was spelt wrong etc), so no PoC has been received so I must stop the judgement or pay her costs in court as she now seeks an urgent order based on incorrect service.   I explained she confirmed their details twice upon being asked where she wanted docs to go and that she refused delivery at her home address of the action coming so she’s obstructed service herself.   lesley 
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    • Israel knew of Hamas plot more than a year ago Israeli officials obtained Hamas’s battle plan for the devastating Oct. 7 terrorist attack more than a year before it happened, according to documents, emails and interviews, but they dismissed it as aspirational, considering it too difficult for Hamas to carry out. In fact, Hamas followed the blueprint with shocking precision. Over about 40 pages, a document code-named Jericho Wall by the Israeli authorities outlined exactly the kind of devastating invasion that led to the deaths of about 1,200 people. It did not set a date, but it described a methodical assault designed to overwhelm the fortifications around the Gaza Strip, take over Israeli cities and storm key military bases. Last year, shortly after the document had been obtained, officials in the Israeli military said that Hamas’s intentions were unclear. Then, in July, just three months before the attacks, a veteran Israeli intelligence analyst warned that Hamas had conducted an intense, daylong training exercise that appeared similar to what was outlined in the blueprint. Those concerns were brushed off. Concessions: Israeli security officials have already acknowledged that they failed to protect the country, and the government is expected to assemble a commission to study the events leading up to the attacks. The Jericho Wall document lays bare the missteps that culminated in what officials now regard as the worst Israeli intelligence failure in five decades. More from the war: Antony Blinken, the U.S. secretary of state, urged Israeli leaders to take concrete steps to reduce civilian deaths in Gaza. At least three people were killed and six others wounded when two Hamas-affiliated gunmen opened fire on the outskirts of Jerusalem. Since the Oct. 7 attacks, extremist settlers in the West Bank have been emboldened, displacing more than 1,000 Palestinians, according to the U.N. -NYT  
    • The Nationwide says there are "encouraging signs" that mortgage rates are starting to come down.View the full article
    • Hi, Updates have been made to the WS / Court Bundle document and incorporated @BankFodder feedback as well. The second draft of the Ws / Court bundle is attached and the updates are in blue font. Any further feedback / improvements is welcome 🙂   Draft - Witness Statement and Court Bundle redacted.pdf
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Another CRS story

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Hi all,


My girlfriend received a letter the other day from CRS saying they have been employed by her previous gym because her membership is arrears despite previous letters being sent. We have since moved house but are still in contact with our old landlord and any letters would have been forwarded.


They're saying she owes a total of £182.48 of which £102.50 is for there fees. I find this extremely high just for sending out a letter. There is also no breakdown of the fees from the gym.


As far as I'm aware she joined on a 12 membership and paid that for at least 10 of those months. But she was always complaining about how busy it was and that she could never get on any the machines so she decided to join a bigger and cheaper gym. She just cancelled the direct debit and thought that was sufficient.


She acknowledges that she should have informed the gym by letter and accepts that she may owe the gym a few months membership plus one for cancellation before the end of the 12 month term but even the £79.98 that's apparently membership fee's seems rather high considering how far she was into her membership.


I have not made any contact with the gym itself or CRS


I have read many a threads on this but would greatly appreciate any advise tailored to her particular case.


Many thanks

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You can notify them via letter, but as far as i am aware, there was a court case where the judge stated that the simple act of cancelling the direct debit was deemed to be valid notice.


Gym companies, or rather their processing merchants tend to ignore the rules and claim they dont have to follow them.

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


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Hi Kendog and welcome to CAG


If you're dealing with CRS, I assume Harlands was the admin company. Is this right and what was the gym involved.


Any admin fees added by Harlands/CRS are effectively penalty charges and are not genarally enforceable.


If YG moved home and couldn't attend because of distance, she could have cancelled because of that by giving a month's notice. However, I think it is now too late to use this method to cancel.


If YG had concerns about the facilities and not getting to use certain machines, she should have addressed this properly in writing at the time. If she didn't, she cannot just cancel before the end of the minimum 12 month period.


She should pay the final 2 months fees to the gym and I suggest a letter to Harlands as follows :-


Dear sir or madam,


I refer to Harlands/CRS demands for payment of £xxx.


I cancelled my DD mandate on xxdate and this was adequate notice of my cancellation of the gym agreement, as per the case of The OFT v Ashbourne Mgt Services Ltd in 2011.


I now realise I should have paid the final 2 month's fee for the initial membership period and am willing to offer you £xx.xx now. If you confirm in writing within 14 days that you'll accept £xx.xx in full settlement of all amounts due, I will pay it promptly.


If you fail to accept my offer within 14 days, or if you demand any admin or cancellation fees (unlawful penalties), my offer will be withdrawn and I may ignore further demands from you and/or CRS.


Such demands may be reported to Trading Standards.


Yours faithfully,


See how they respond.



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Thanks for the quick replies.


I’ve never heard of Harlands but in the small print at the bottom of the letter it does say ‘Credit Resolution Services is a trading title of Harlands Services Ltd’. The gym in question is 1 Gym in York.


My GF knows she went about cancelling her membership the wrong way and understands, and is willing, to pay the remainder of her membership.


I have checked with my previous landlord and there was never any letters delivered even though it states in the letter they had sent them.


Thank you so much for the draft letter to send out, I will get it printed out and sent this week


Many Thanks

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