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    • Could you link us to BankFodder's post please? The judge's office means something different to me. HB
    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
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    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
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Xercise 4 Less - Harlands - CRS - SprattEndicott


physk
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Hey guys

 

 

I was at the Xercise4less gym in Bradford on a 14.99 rolling contract

i signed up for it on 8/10/2015

and the last direct debit to leave my account was on 7/4/16

 

I cancelled the direct debit and thought that was it - which is what i had been told by a staff member but evidently this wasn't true.

 

Since then i have been receiving letters for £222 from harlands, moving to CRS and now finally SprattEndicott who are considering legal action.

 

Funnily enough out of sheer laziness i only ever used the gym in the first two months and paid 5 Months of gym membership for nothing

 

I have spoken to sprattendicott on the phone, having ignored the others so far, and they said to email them whatever response i have to say / stating my issue.

 

 

If theres any more info needed il add it in

 

Thanks for any help you guys offer!

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opps you should never ever phone these people

 

 

they are not bailiffs and have no such legal powers to do anything to you

only the gyms owners can take you to court.

 

 

ideally you should pay for ONE MONTH following the cancellation.

as I believe this is correct

 

 

as you will see if you read a few threads here

theres a letter you can write offering that

minus any stupid unlawful 'fees'

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Physk and welcome to CAG

 

Stay off the phone from now on and take time to read other threads here to see how to deal (or NOT deal) with Harlands/CRS; The Zinc Group and Spratt Endicott. Don't send Spratts anything for now as you don't need to deal with them at all, despite what they'd like you to believe. Spratts don't really do legal action !

 

In time, we'll suggest how you can reply to Harlands but only when we're good and ready - there's simply NO rush.

 

Was this a 6 month or 12 month agreement or maybe a rolling monthly one.

 

:-)

Edited by slick132

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Hi Physk,

 

As this was a rolling monthly agreement with no minimum 6 or 12 month period, you were free to cancel at any time with just 30 days notice.

 

It doesn't matter at all if you used the gym or not - that has no bearing at all on what you owe.

 

You should have paid a final fee around 7th May 2016 and you can use this letter to offer to pay - http://www.consumeractiongroup.co.uk/forum/showthread.php?464998-Xercise4less-crs-spratt-edicott-once-again&p=4815303&viewfull=1#post4815303

 

Adapt the letter to reflect you individual case and, if you want it checked before you send it, post a draft here but remove any identifiers.

 

Harlands are usually too greedy to accept the offer of a final fee but, if they do that, your offer will be withdrawn and they can go whistle.

 

Read other threads here and you'll find you're not alone !!

 

:-)

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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