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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Xercise4less and CRS yet agin


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Hi Slick

 

 

Just received a further letter dated August 3rd

 

 

"Following our initial letter we are disappointed that your account with Xercise4less is still in arrears and our fee has not been paid

 

 

We would still like to reach an amicable resolution but if you fail to respond to this letter we will have no option but to commence further action to recover the monies owed. The options available to us are:

 

 

1. Legal Action

We believe you are in breach of a legally binding contract with Xercise4less because you have not paid your membership and our fees. We may pursue a claim under this contract through the courts. If so the following process will apply

 

 

1. We will write a formal letter explaining what we are demanding and give you a final opportunity to pay/reply

2.If this failed to settle the matter we would issue proceedings against you in the County Court

3. You could then either make payment, ending the legal process 0r dispute some/all the amount owed

4. if you dispute the amount owed the Court process will continue and at the end the Court will make a decision on our claim.

5. A strict Court imposed timescale will apply in relation to the court process.

 

 

Were we to be successful in our claim, or if you ignore the claim, A CCJ may be registered against you requiring you to make payment. You may also be liable for our costs.

If you fail to pay the amount in the CCJ we would take the next steps required to enforce the judgement

 

 

2. Outsource to External Agents

Your account would be passed to another collection agency who will take further action to recover the monies owed.

 

 

You can avoid this by contacting us in the next 10 days to arrange payment

 

 

Yours sincerely

Rob Avery"

 

 

 

 

Should I resend the previous letter Slick or ignore and wait for the next one?

 

 

Many thanks for advice

DF

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That's odd !

 

They said last month that they'd take legal action after 7 days .............. but they didn't. :!:

 

Ignore for now, IMHO.

 

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  • 2 weeks later...

Hi Slick

 

 

Latest letter today

 

 

Reads as follows-

 

 

We regret that despite our attempts to reach an amicable resolution to your account, you remain in arrears to Xercise4less

 

 

We must therefore give notice that failing to reply to this letter within the next 10 days will result in your account balance being passed to Zinc Group Ltd. One of the Uk`s leading providers of debt recovery solutions.

 

 

We would still like to resolve this matter

 

 

We are still happy to listen to your reasons for not paying and will do whatever we can to reach an acceptable solution for both parties. All that is required is for you to call us on 01444 449 165 by no later than 31st August 15 so that we can discuss your account further

 

 

Yours sincerely

Rob Avery

Collections Manager

 

 

 

 

What do you advise next steps? Re-send previous letters....

 

 

Thanks

DF

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Hi Duffield and thanks for the PM.

 

Sorry I thought I replied on the 25th.

 

Anyway, my advice remains as per my post #27.

 

No need to re-send them anything - just ignore for now.

 

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  • 1 month later...

Hi Slick,

Today received an email from Zinc, introducing themselves and asking for my daughter to phone or email them urgent,y to discuss the account they have taken over.

should she ignore or reply by email or post explaining situation and offering 1 month etc?

 

Many thanks

D5

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Hi DF,

 

Letter to Zinc :-

 

I refer to your letter of xxdate and can confirm this matter is in clear dispute with Harlands/CRS, who have breached OFT Debt Collection Guidelines by referring the debt to Zinc.

 

If you make any further demands, I will report this to the relevant authorities without further notice.

 

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  • 3 weeks later...

Hi Slick

Latest letter today from Zinc thanking us for the letter etc and offering to assist in resolving this outstanding account.

They would like us to provide the following details if relevant...details of dispute, proof paid, proof of cancellation out of contract, proof cancelled within cooling off period, medical documentation, redundancy

Its very polite and states our assistance is much appreciated..

 

 

Ignore? Or politely say no.

 

 

Many Thanks

DF

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Brief reply to Zinc,

 

I refer to your letter of xxdate.

 

I have neither the desire, nor the need, to provide Zinc with anything.

 

If you want any information, get it from Harlands as they are fully aware of the reasons for the dispute.

 

Contact me again and I will lodge formal complaints without further warning.

 

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  • 2 weeks later...

Hi Slick

Sent the letter as you suggested. We received the following email yesterday!

Hi xxxxxxxxxx

Thank you for your letter which we received on 3rd November.

As we are unable to resolve this matter for you, I have closed your account.

Should you have any further queries, please contact Xercise 4 Less directly.

Kind regards,

Kirsty Harley

Kirsty Harley

Customer Account Manager

The Zinc Group Limited

I expect it will now bounce back to Harlands,so we will do nothing and waited for the next round...

We very much appreciate your help with this.

DF

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Hi DF,

 

As we are unable to resolve this matter for you, I have closed your account.

 

........ translated =

 

Because you have stood up to us and we know we've no basis for serious action, I'm not going to waste my time on it.

 

Keep us posted ...........

 

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  • 2 months later...

Hi All

 

 

Just an update for the benefit of all those who are stressed about Harlands/CRS/Zinc etc.. keep following Slicks advice.

 

 

Since my last reply telling me the case was closed I have heard nothing.. Nearly 3 months.. Of course it may continue but so far so good....

 

 

DF

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Thanks for the update.

 

Even now after so long, I'd still not be surprised if you hear further from Harlands/CRS or Spratts.

 

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  • 3 months later...

Hi All

 

Reading the endless posts on this company and the stress they cause made me feel i should update you on my situation.

I received all of the standard threats i read about on here. Regurgitated month on month..you will often notice the same letter every other month.

 

Following Slicks advice and holding a firm line...i have still had no communication since my letter in November and the response saying they had closed my account.

Needless to eye i have not contacted X4less with any queries!!

 

7 months and counting...keep positive!

 

DF

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Hi DF,

 

Your feedback is much appreciated and I hope this is over for you.

 

But, if they contact you again, please let us know.

 

:-)

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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  • 2 years later...

Hi DF,

 

Never say never with Harlands/CRS but I hope, after all this time, they will not bother you again.

 

Thanks for the update.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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