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    • Hello, yesterday Barclays Bank put my account under review suddenly just i received a message about that to wait 7 days . I ve been to local branch and they didn't tell me any information saying to me to wait 14 days . The problem is I think they will take longer than they said and I can't wait so much cause I need the money for my own company and to live life daily. This situation its caused me a sever anxiety, I dont know what to do . I can prove that I m a self employed . Can somebody tell me what should I do ?  Some contact numbers or email addresses where can I text about this problem? I m new on this platform and I dont know how to manage this . Thank you
    • Hello yesterday Barclays Bank blocked my account with a substantial amount and I didnt get any reason for this issue why they put my account under review. I m a self employed and all the money blocked are very important to me to open my own company .. Can I get some information about what should I do in this case.  I ve been to the local branch but they didn't give me any information just to wait 14 days and I can t do that .
    • harveys are not the creditor, so them stating you should continue to make payments and you will not receive your payments back is immaterial.   the administrators of harveys are not your target. creation finance are.     these issues should be directed toward creation under p'haps a section 75 claim ....as they are the creditor ...they are equally responsible for the actions or inactions of either harveys or bensons.   we can appreciate you have had the usual run around, we are not indicating you have lied, merely pointing to the fact that you innocently believed what you have been told to date.   go get your moneyback and get the finance agreement cancelled.   dx 
    • you've not moved so until or unless you get a letter of claim via royal mail you ignore them.   as for anything on your credit file it should fall off after 6yrs.   dx    
    • 1st. it is not illegal for you, as the home owner, to open letters addressed to 'others' not resident at your address.   2nd because you did or did not employ the above, ultimately, this has led to a court judgement being handed down. the bailiff company have employed, quite rightly,  the methods that are legally available to them to trace the defendant.   rightly or wrongly they have traced you.   you need to write to the bailiff company concerned briefly explaining the above stating you are not the said person. you also need to write to the judgement court the same. you also need to write to the relevant rail toc    never use the phone.   dx      
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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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We could do with some help from you

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

 

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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