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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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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.
       
      • 3 replies
    • 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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Hi guys. Just after a little reassurance.

 

I joined my local X4Less around November last year (2015) over the telephone. I was informed at the time that it was a rolling 12 month contract of £9.99, and i could leave if i moved away from the area, was made redundant, medical grounds etc etc...

 

Roll on March 2016. I suffered a back injury and informed the gym of this. They said they needed proof so i went back to the doctors and asked him to give me a note stating i couldn't continue in the gym. I proceeded back down to the gym and presented this to one of the staff behind the counter. She advised me to fill in the online form to cancel. I told her i didn't have internet access at that time and she said she would action it for me.

 

I noticed on my bank account 2 months later that direct debits were still being taken out so i cancelled them. I then was bombarded with texts from X4Less informing me my account was in arrears and every-time i rang they said don't worry we'll look into it. I then started to recieve texts saying my debt was being passed onto Harlands. And again every-time i rang Harlands and stated my reasons for cancelling the DD they said they would investigate. Then Harlands started sending letters telling me that £25 admin fees have been added to my account. And the whole process went round in circles until recently CRS have sent a letter threatening Bailiffs, CCJ's, Court action etc etc..

 

I have managed to speak to ROB Knight/ROB Avery whom is the collections manager as i never get any sense from the imbeciles in the office and to be honest he wasn't much better. He advised me to go back to the doctors and get another note stating i couldn't continue with the gym and CRS would end the dispute.

 

I went back to the doctors at a cost of £80 BTW:shock: and faxed another note to them explaining my back problems.

 

Today i receive another E mail from CRS saying thanks for the doctors note but as the account was already in arrears the debt needs to be settled.:mad2::mad2::Cry::smash:

 

I have spoke to the collections manager again today and he insists that what they are doing is Legal, they don't need to be regulated by the FCA and they have the full backing of the courts if required.

 

Is it safe to just ignore all letters now? I don't see how i can be held responsible for someone at the Gym not carrying out instructions. And i have made a conceivable effort to try and sort this out but to no avail.

 

Any help much appreciated. :thumb:

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DO NOTHING.

 

Less for embarrass the gym on social media, twitter and FB.

 

Lodge a formal complaint and exhaust it.

 

Stay OFF the phone, talking to anyone over the phone is as much use as baptising a cat!

 

Keep everything in writing/email, if you send anything through the post, always obtain ''proof of posting'' which is free from the PO counter, also send it 2nd class.

 

Have you got a receipt for the money you shelled out for the Drs note?

 

If they ring, laugh and hang up.

 

Any text messages they send you, forward them to 7726, spam on your handset keypad.

 

Harassment is a criminal offence.

 

Ignore any tame debt collector, they have no powers whatsoever, and could never obtain a CCJ or send bailiffs! Muppets!

 

Deal direct with the gym, and send them an invoice for the Dr's note they forced you to get.

 

Slick will be along in good time and will advise you exactly how to deal with these fools.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Mick and welcome to CAG

 

Hold off sending anything for now. Let's get the info we need first, and then we can offer best advice.

 

1. What date did you first tell the gym about the injury and need to cancel.

 

2. What date did you go back in with the Doc's letter.

 

3. What date was the DD normally paid each month.

 

4. What was the last DD taken by Harlands.

 

5. Have you made any attempt yet to get payments back via your bank.

 

:-)

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Hi Slick sorry for the delay in replying.

 

Had some great news today. I E mailed the CEO direct.

 

 

Dear Jon.

 

I was a member of your Gym in Sunderland as of January 2016. I had a back injury in March which unfortunately prevents me from continuing my Gym activity. I got a copy of this from my doctor, went down to the Gym in Sunderland and requested one of your staff to cancel my membership as I couldn’t access the internet at that time. A couple of months later I noticed the direct debit was still being taken from my account, so I cancelled it. I then started receiving text messages from X4L stating my account was in arrears. Everytime I rang to speak to someone they told me it was fine and they would look into it. I then started receiving letters from Harlands who started to add “admin fees” to my account (which are unlawful by the way) and the same thing happened there. Everytime I spoke to someone they advised me that they would speak to the Gym and get back to me. The account has now been passed to CRS and again I have explained the situation. Rob Knight (collections manager) advised me to get another doctors note so that the account could be sorted. I have done this and E Mailed it to him (at a cost of £80) and his reply is “there is still no proof of this at the Gym, so the account needs to be settled”.

 

I have now sought legal advice from Trading Standards and the CMA and explained the whole situation. I have been advised to contact X4Less as they “own” the supposed debt and inform them to instruct CRS/Harlands to cease all threats of debt collection, court orders, CCJ’s as I feel I am being harassed by constant letters for money, which I strongly believe I don’t owe, and have been advised I don’t owe. If the letters/threats persist I will start the procedure of drafting a cease and desist letter either to X4Less or CRS as harassing someone for money they don’t owe is illegal especially when the debt collection agency isn’t regulated.

 

I appreciate your assistance in this matter.

 

 

Name edited

 

Membership No edited

 

 

I soon received this E mail.

 

Good afternoon

Thank you for your email

Your membership has now been recalled from CRS and cancelled, and they will no longer pursue for outstanding arrears.

Please accept our apologies for the inconvenience this matter has caused you.

Healthy Regards

Esther

Head of Customer Enquiries

Head Office

Head Office

Xercise 4 Less

Unit 1, Kirkstall Industrial Estate

Kirkstall Road

Leeds

LS4 2AZ

 

 

 

I have since contacted CRS to advise them i wish no further communication from them on this matter and to close my account.

 

Please update the thread to SUCCESS. Thanks Slick. Dont give in people.

Edited by slick132
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HA ha ha, I think they are slowly, VERY slowly, getting the message that the outfit they have employed to chase unpaid premiums, are falling way short of the mark, and giving them a very very bad name!

 

P.S. Well done! :thumb:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Mick,

 

Sounds like a good result from X4Less so far. :whoo::whoo:

 

However, it may be that you can reclaim one or more DD's if they were not strictly due. If you give answers to my Q's in post #4, we can decide if a reclaim of any DD's is appropriate.

 

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Hi Slick132

 

 

1. What date did you first tell the gym about the injury and need to cancel.

Mid February

 

2. What date did you go back in with the Doc's letter.

Mid March

 

3. What date was the DD normally paid each month.

End of March 28th Roughly

 

4. What was the last DD taken by Harlands.

June 27th

 

5. Have you made any attempt yet to get payments back via your bank.

NO

 

Also is anyone liable for this extra £80 that i had to fork out for a repeat doctors note?

 

Cheers Slick. :wink:

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Hi Mick,

 

If you'd come here earlier, I'd have told you NOT to pay anything for a Dr's Certificate, let alone £80 !! The gym has no real right to demand sight of such a document but it's too late now so forget that. Instead focus on what you CAN still do. I think you should reclaim the DD's that were taken after you gave notice to quit and evidence.

 

You told the gym you needed to cancel mid-February. So your last DD payment should have been taken around 27th/28th March if X4Less had done what was needed at the time.

 

You should now contact your bank and tell them you require a refund of the DD's paid in April, May and June 2016. The bank should do this without question according to the DD Guarantee Scheme.

 

Let us know when the bank has refunded you.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            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.

 

Thanks !:-)

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