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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   If you demand any higher amount, or fail to accept my offer within 14 days, the offer will be withdrawn and all further communication from yourself or Harlands will be ignored.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,
    • no ofcourse not it's all hot air hoping to mug you.
    • Bang as in error popped up.   The gearbox service ...nope , so service advisor things its done but not noted on the invoice they have. It is on a job card that's locked in another advisors draw thats locked and he is away for a week.     more bad news. They have checked the unit and its £3500 to replace. Sales will not authorised it and servicing/ aftersales will not on the basis sales knew about it before selling it.  
    • didn't remember what wasn't done correctly until i had read BA's earlier notes i found but i knew it couldn't have been correct.   well done
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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?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      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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I had a weekly ticket, but forgot my photocard. My ticket was taken from me (still had 4 days left on it) and I was questioned by an RPI guy. Unfortunately, I have no recollection of what I said to him because being forced to stand on a crowded train platform caused me to have a panic attack. I think I was so desperate to get out of there that I just agreed to everything he said. A few months later I get a letter saying that I had 14 days to give my side of the story. I wrote back apologizing for my error and I also sent them the photocard.

 

I have had panic attacks and chest pains ever since this happened and I'm so scared that this will go to court. I know I've brought all of this on myself but I really need to know how much trouble I am in.

 

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hi, if they send you notice of court action, then maybe you should write to SWT to express your apologies and offering to pay any administration costs they have incurred to avoid court action.

 

since you sent them an apology letter some months ago, as well as it appearing you had a valid ticket minus the photocard, plus sending them the photocard, then that may be the end of it

 

try not to worry about this, maybe phone them to find out what is happening if that will put your mind at rest?

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If you've not heard anything for a few months since, then the matter is probably closed.

 

Unless you've said anything silly, or been uncooperative, the copy of the photocard being sent should sort it all out.

 

If you avoid action this time, make sure it doesn't happen again!

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