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    • Hi Rei and thanks for the update.   Your post confirms what we're telling folk all the time - Harlands/CRS, Zinc and their pet "solicitors" continue to make demands but they fail to do anything substantial to back up their threats.   Hence our continuing advice to NOT respond to demands by letter, email or phone, because they'll do nothing that will affect your credit rating, or that will force you to pay.  
    • Hi GHL and welcome to CAG   You now have your own thread to use from here on ( to avoid hijacking someone else's thread where you first posted).   I assume there were 2 separate m/ships and not a joint m/ship, but please confirm.   I hope you've read other threads here which should help you understand how Harlands/CRS operate. They use every opportunity to make far more money from missed payments and penalty fees, than what they make from taking a percentage fee from ongoing monthly gym fees.   Yours was a rolling monthly m/ship so you only needed to give them notice to quit but there was no minimum 12 month term. Hence all you owe them is £19.99 each.   Write a letter to Harlands, each of you :- 1. Offering to pay the £19.99 for the notice period you failed to give 2. Offer valid for 14 days only. 3. Offer withdrawn if they fail to accept, or if they demand any higher amount.   Post a draft of your letter here first so we can check it.    Letter(s) should be sent from the PO and get a free Certificate of Posting from the PO Counter.  
    • King I fully understand the mother was living there on her own and only one named on the tenancy agreement.   As for your comment that after informed of the passing in a few days they pack tenants belongings and store them and change the locks this I completely disagree with.   In my are the different HA (and there are many) in a scenario like this will:   Communicate with the executor/family member once informed of bereavement informing them of any succession rights, property to be handed back ( 28 days on being informed of above) if unable to must notify the HA to ask for an extension.   After the 28 days if no contact the HA will then follow its Abandonment Policy.   If contact made after 28 days and no extension has been granted HA will then go to court to claim property back.   Once this is done and no contact off to court to claim property back only then will the enter the property unless in an emergency or legally required i.e. gas safety inspection even then may need to go to court for that to get access.      
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Hello All,

 

A few years ago (around about 2010) I had some financial problems and had a few debts with some payday lenders that spiralled out of control, naturally, I took control and "lost" my debit card, making any CPA redundant.

 

Being a law abiding citizen like I am though I have taken responsibility and paid everything back, apart from a debt with the aformentioned Cash Genie/Ariste holdings.

 

This is a belter of a dispute.

 

I took out a loan of £110 with an interest fee of £33. I received about £95 I think it was due to being a bit silly and paying £15 for same day payment. Repayable amount of £143.

 

Can you see where this is going yet?

 

Naturally with this being the final one to deal with, I approached Cash Genie earlier this year, only to receive an e-mail from MMF with regards to this debt saying that I owe a balance of...... £1604 - with late Direct Debit fee's of £51 (I can actually stomach that fee, it's not unreasonable) and refinance fee's of £1410 (I do not agree with this nor have any intention of paying).

 

I did receive a further offer to be able to pay £296 to settle the balance, but seeing as this still just over £100 of what I would say is reasonable I'm standing by my principles and not succumbing to it. I merely think that the £1604 figure is to scare me into paying the £296, over the odds as to what the loan should be.

 

It's worth noting that the default notice was lodged in 2010 for £143.

 

I've tried contacting the original lender to no avail. I've got a copy of the credit agreement after 4 months of requesting it, and I suppose it's the standard Cash Genie one, the terms on late fee's are incredibly vague.

 

If anyone can assist me with where to go from here, I'm all ears and would appreciate it.

 

Ta.

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Simple. Tell MMF to prove it. They are known for creating ficiticious info and not checking the facts of a debt. Just read around the MMF forum and youll see some real horror stories.


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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They've told me that the balance has been set by cash genie and they can't do anything about it! Cheers, will have a look, might pick up some pointers.

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Hello All,

 

A few years ago (around about 2010) I had some financial problems and had a few debts with some payday lenders that spiralled out of control, naturally, I took control and "lost" my debit card, making any CPA redundant.

 

Being a law abiding citizen like I am though I have taken responsibility and paid everything back, apart from a debt with the aformentioned Cash Genie/Ariste holdings.

 

This is a belter of a dispute.

 

I took out a loan of £110 with an interest fee of £33. I received about £95 I think it was due to being a bit silly and paying £15 for same day payment. Repayable amount of £143.

 

Can you see where this is going yet?

 

Naturally with this being the final one to deal with, I approached Cash Genie earlier this year, only to receive an e-mail from MMF with regards to this debt saying that I owe a balance of...... £1604 - with late Direct Debit fee's of £51 (I can actually stomach that fee, it's not unreasonable) and refinance fee's of £1410 (I do not agree with this nor have any intention of paying).

 

I did receive a further offer to be able to pay £296 to settle the balance, but seeing as this still just over £100 of what I would say is reasonable I'm standing by my principles and not succumbing to it. I merely think that the £1604 figure is to scare me into paying the £296, over the odds as to what the loan should be.

 

It's worth noting that the default notice was lodged in 2010 for £143.

 

I've tried contacting the original lender to no avail. I've got a copy of the credit agreement after 4 months of requesting it, and I suppose it's the standard Cash Genie one, the terms on late fee's are incredibly vague.

 

If anyone can assist me with where to go from here, I'm all ears and would appreciate it.

 

Ta.

 

 

 

 

What actually shows on your credit files now? A default notice is not the date the default was placed.

 

 

The DN cannot include charges or fees.


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It shows an entry from Motormile Finance UK, the entry only appeared when this started in April, the default date shows 28/6/2010 for £143. Balance shows as £1604. Hope this helps!

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It shows an entry from Motormile Finance UK, the entry only appeared when this started in April, the default date shows 28/6/2010 for £143. Balance shows as £1604. Hope this helps!

Hi, so £1461 .00 in charges excessive indeed.

 

 

I suggest you write to Mr Neil Petty MD of MMF and Demand (don't) ask for a full explanation of the way the balance has been arrived at.

 

 

£51 for a failed DD is excessive, what are the levels of other fees/charges?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It's just £51 late DD fee and the rest is one lump sum entitled "Refinance fee". Ta, I'll write to Neil Petty.

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