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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 Offer withdrawn if they fail to accept, or if they demand any higher amount.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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Please help ask the government not to increase the fee for a general application in civil proceedings to £255

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The government are proposing to increase the court fee for a general application in civil proceedings ( the N244 application used to ask to set aside a default judgment, apply for a stay, compliance with a 31.14 request, strike out a statement of case... and so on ) from £155 to £255.

 

A large number of people who receive a court claim need to use an application at some point during the defence of their case.

 

I believe this is a disproportionate rise and will have a detrimental affect on vulnerable consumers and only serve to further restrict access to justice.

 

I have started a petition to ask Government to reconsider. PLEASE SIGN

 

Last year the government held a consultation, 96% of respondents, including the law society and money advice service said NO to the raise. Yet the government have decided to go ahead with it regardless. You can see that consultation http://www.parliament.uk/business/committees/committees-a-z/commons-select/justice-committee/inquiries/parliament-2015/inquiry-name/

The rises also include divorce court fee rising by £140 and the maximum court fee doubling from £10k to £20k for bringing high value cases ( such as for medical negligence / personal injury ).

 

I'm concentrating on the Application fee as this affects everyone who has ever received a court claim or default judgment.

 

Applications are generally made ex-parte in the following situations.

 

• to suspend a possession order to pay back mortgage or rent arrears in instalments;

• to suspend a warrant of possession for rent or mortgage arrears;

• to pay a county court judgment in instalments;

• to vary the terms of an instalment order on a county court judgment;

• to suspend a warrant of control to stop enforcement agent action;

• to pay the warrant in instalments as part of the suspension of a warrant of control;

• to ask for a stay of execution in the High Court to suspend a writ of control

• to ask for a transfer to your local court for a hearing;

• to vary the terms of a charging order or to pay by instalments on a charging order;

• to apply for a time order in the course of proceedings for eligible agreements under the Consumer Credit Act 1974 (secured loans, hire purchase and conditional sale agreements and unsecured loan agreements);

• to set aside a judgment made in error or where there is a defence to the claim;

• to vary the terms of an attachment of earnings order or to apply for a consolidated attachment of earnings order.

 

I have started a petition to ask Government to reconsider. PLEASE SIGN and PLEASE SHARE

 

https://petition.parliament.uk/petitions/104762/

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Signed - I think you might need to also pop this up on twitter and face book at the moment there is only 140 signatures + mine :)

 

I have tweeted it for you.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you, already on FB and twitter, just think people think it wont affect them, but watch this space lol x

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I think you have listed quite a few ways in which it WILL affect people - so lets hope you get sufficient signatures.

 

IMHO, it is already quite expensive to make this application, it would appear they are almost doubling it !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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