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    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
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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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Sorry but another exercise 4 less thread


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Hi John,

 

No !! I would simply ignore the latest from Harlands/CRS, safe in the knowledge that they'll do nothing scary at all.

 

The truth is, they are powerless !!

 

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  • 2 weeks later...

Update

 

Well I keep posting on Facebook and there seems to be a lot of people in the same boat!

 

They have removed some of my posts ! so I still continue to post on Facebook that they should take responsibility... I don't think it will be long before I'm blocked by them..

 

Regards john

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Hi John,

 

I assume it's X4Less that are removing posts as I can't believe FB would be concerned in that way.

 

There's always Twitter to use as well.

 

Or, if you're bored keeping up the posting, give it a rest for a while .............. then post on FB again if Zinc or Spratts start to bother you.

 

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Hi slick

Yeah deffo x4l removing the posts. I've never posted anything contravening Facebook rules, or had any contact from Facebook suggesting my post as been removed.. They seem to remove a lot.

 

Thanks for your input slick will update when there is any further contact. Regards john.

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  • 2 weeks later...

Hi all,

 

So I have had a letter from CRS today which goes as follows-

 

We've been employed by xercise 4 less as your membership remains in arrears despite previous letters being sent to you.

 

As a result of this , our fees totalling £ 66.50 have been added. Therefore, your account balance now stands at £ 171.47.

 

WE WANT TO REACH AN AMICABLE RESOLUTION WITH YOU

 

In order that we can do this, please ring our non-premium rate number-01444 449165.

 

WHAT ARE YOUR OPTIONS!

 

1. you want to continue your membership- the club want nothing more than for you to get full benefits of your memberships. Providing you can pay your arrears and set up a new direct debit with us for your future payments, then they're happy to welcome you back in.

 

you may be also entitled to a discount if you are able to settle your account balance in one payment.

 

2. You believe you've canclled your membership-We understand that numerous reasons why people stop going. We'll listen to you reasons and do everything we can to resolve your account in line with the terms of your membership.

 

3. You're experiencing financial difficulties-we know times can be tough and therefore have a variety of possible soloutions to assist you, including monthly payments plans that you can afford and recommending independent organisations that may be able to assist you in severe circumstances

 

we'll cease further letters for 7 days, so please call us on 01444 449165 before then.

 

do you think i should reply to this letter

 

thanks all john....

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Hi John,

 

CRS haven't been employed by Harlands at all - they are one and the same !!

 

Most of what they say in the letter is rubbish and does not warrant any response from you.

 

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Hi all

 

so today I had a text message from crs asking me to contact them as they sent me the letter a week ago and need to discuss it with me.

 

is it best not to reply to this?

 

I find it it a bit cheeky because they have obviously been in touch with exercise 4 less for my number but yet they don't seem to talk to each other in any other circumstances...

 

regards john...

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Hi John,

 

Ignore this completely.

 

CRS will have got your number from the DD set up with Harlands. Bear in mind that Harlands and CRS are one and the same.

 

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  • 2 weeks later...

So today I have received this letter from crs

 

 

Following our initial letter , we are disapointed that your account with xercise 4 less is still in arrears and our fee has not been paid.

 

We would still like to reach an amicable resolution to this, however, 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 Xercise 4 less because you have not paid your membership and our fees. We may pursue a claim under contract through the courts. If we do so the following process would apply:

 

1. We will right 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 :

a. make payment ,ending the legal process, or

b. dispute some , or all, of the amount was owed

4. If you dispute the amount that was owed the court process would continue , at the end of which the court would 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, a county court judgment (cci) may be registered against you requiring you to make payment. You may also be liable for our costs of pursuing legal action and interest on the amount owed.

 

If you then fail to pay the amount covered in the cci e would take the next steps required to enforce the judgement . To do this we would have to make an application to court.

 

 

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 happening if within the next 10 days you contact us on 01444 44165 to arrange payment with us.

 

 

 

 

 

 

Do you think i should reply to this letter??

 

thanks regards john

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Hi John,

 

Just more of the usual guff from Harlands/CRS.

 

Ignore for now and expect Zinc and/or Spratt Endicott to contact soon.

 

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  • 3 months later...

Hi all

 

Just an update! Zinc have tried contacting me through phone calls and by email I have ignored these, is that the best thing to do? I haven't even read the emails just I case they have asked for a read receipts do thisk this is the right way to do things?

 

Regards john

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Hi John,

 

Yes, I'd say there's no need to reply to Zinc at all.

 

Let us know if you hear from Spratt Endicott.

 

:-)

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