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    • Hi,   I've recently cancelled a direct debit with this gym and requested to cancel my gym membership but had gone through the same ordeal as previous users on this forum.   I was persistent enough (having read the forums) to have the staff at the gym terminate my membership on their system. See attached image for proof of documentation. Additionally, I have sent Harlands and the gym an email with the image informing them that gym membership has been terminated. I have been given reassurance that they CANNOT reverse the termination.    My question is: 1) Am I still expected to pay that extra 1 month of gym membership? (I was informed this was so, but I requested for an official documentation that states this policy via email without agreeing to pay) 2) Is the screenshot sufficient proof that the membership has been terminated? (date cancelled and time stamp are clearly stated)   Many thanks for the help!
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    • urm.. FmoTl twaddle me thinks followed here
    • 123 Abc efg   22/09/2019 Dear Sir,   Re:  v xyz. Case No: 123456   CPR 31.14 Request   On (date) I received the Claim Form in this case issued by you out of the county court of Salford.      I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim all of your claim.   Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:     1: The agreement/overdraft Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.   Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974   2: The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974   3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C   4. Notice of Assignment *   You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.   Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.   In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.   If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.     Yours faithfully   Xyz. is this ok to send. and recorded delivery.
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andyb78

Barclaycard debt - no CCA - Do I CCA again? being passed around

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Sorry for the radio silence as it were. I have been waiting to hear back from Shoosmith's for a few days.

 

I received a letter from Shoosmith today which asks me to complete an affordability form

and that they are working for Arrow to help me put together a payment plan.

 

 

Also, if I felt compelled to, they would offer me a heavy discount on the outstanding balance if I was to pay in full.

 

I will have time tonight to upload the letter I was supposed to have done a few days ago from Arrow about proof of address etc.

 

Would you guys like to see the Shoo's letter too?

 

Thanks.

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discount letter

 

 

no need

 

 

dx


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Hi dx

 

Thanks for the reply.

 

When you say discount, do you mean ignore both party's?

 

I guess that I am back to square one again with Arrow,

 

they have no CCA so know they cannot prove the debt.

 

Do I need to fire off the CCA failure letter or just ignore them both?

 

Thanks again.

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we don't ever recommend chasing a failed CCa request

 

let them sweat

 

never invite unnecessary letter tennis

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Ok, understood.

 

I will wait and see what turns up next. Fingers crossed it might be another 18months of silence as before.

 

Once again, thanks to everyone for advice, I really got worried about the context of the first Shoo's letter and court action. I guess it goes to show that they will stop at nothing to try and force your hand!

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I really got worried about the context of the first Shoo's letter and court action. I guess it goes to show that they will stop at nothing to try and force your hand!

 

This is exactly what they do, they prey on the debtors lack of knowledge and exploit it, just by using big words and using legal this legal that, when in actual fact, there is nothing legal about the computer generated missives they spit out on a regular cycle to intimidate and threaten the uninformed debtor.


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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I received another letter from Shoo's today asking for my income and expenditure so we can agree a payment plan. Do you think this will escalate again or they are just going through the motions?

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so they've sent you an enforceable cca?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

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Why would you even consider sending them an I&E list?

 

Especially if it's one of their 'back of the fag packet' lists.


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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Resurrecting an old thread here!

 

Received another letter from Shoos as before, stating court action if I don't agree to a reduced full and final settlement.

 

Shall I just send a letter with copies of the letters I sent back in 2015 to Arrow and Shoos stating that I do not know of the debt and do not acknowledge it.

 

I asked for CCA's from both before and nothing materialised.

 

Should add, I stopped paying all of my creditors back in May 2013, so technically, that should make this statute barred now by three months. If I go statute barred route, is that putting my hands up to it?

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so you are in Scotland?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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then why do you say it is statute barred?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Sorry, my error, maths is terrible! Lol

 

Ignoring the statute bit for another few months, how should I proceed? Big bold writing tempting 50% offer, then smaller text paragraph at the bottom stating that Arrow MAY proceed to a CCJ. They gave me 6 weeks to reply too, which is nice!

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its another begging letter

as before you ignore

until/unless you get a letter of claim

or

a court claimform from northants bulk

you continue to do as already advised.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Okay, thanks DX.

 

It's always tempting to remind them of their obligations, as have found that silence sometimes makes them think of weakness.

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no!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ignoring them is the ONLY way to proceed.

 

 

They have absolutely no idea where you are in the cycle of threat letters, only if you contact them do they look at the computer and press the next button to spit out and send more garbage.


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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Received the same letter today, advising that the 50% discount date is approaching.

 

I forgot to mention in earlier post that there is a paragraph at the bottom of the letter stating that 'after revving my credit file, they will refer my account to their client for Warrant of Control. Basically, I will be sent a letter by an enforcement agent and within 15 days some chap will turn up on my doorstep to asses what can be sold to meet the debt.

 

This is a step I most certainly do not want to happen. I have a very young family, last thing I need is my wife being harassed when I'm at work.

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Should add that the letters are getting to me via Royal Mail forwarding service, as I moved approx two years ago.

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read information given to you above, they are telling you someting??


:mad2::-x:jaw::sad:

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why have you not informed them of a change of address?

we've seen the court N1 envelopes NOT redirected here sometimes.

 

might it be worthy here to send a new CCA request [the last one was several years ago?]

then that will kill two birds.

 

have you done this with any other debt...not informed them you've moved?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I haven't heard from any other DCA's since I moved, only these guys. I was always under the impression that they pull the data from your credit file anyway.

 

I have drafted a letter that basically outlines the previous CCA requests that have not been met. I was then going to include the old CCA's in the envelope with the letter.

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yes but if you don't write to them and tell them they can quite legally file everything to your old address

just look at all the backdoor CCJ's in the financial legal forum.

 

never run away from debt in this day and age.

 

there are 700'000 claimforms issued every year, 85% are won by default.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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