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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 Offer withdrawn if they fail to accept, or if they demand any higher amount.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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BabyClanger

Monument Payment Break Plan - **WON +£7K**

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I have received a letter from monument about PBP.

 

It was totally unsolicited, and I have not applied for anything (PPI or the like)or contacted Monument in any way for years.

 

This letter came totally out of the blue and I dismissed it along with all the other letters I have received from them over the years. I ripped it up and put it in the bin.

 

The Short Story

My monument account was pulled many years ago

, I can't even remember the dates it was so long ago,

leaving an unpaid balance of around £3,600 which remained unpaid.

 

The Long Story

I have just fished this letter out of the bin as yesterday,

I received a cheque in the amount of just over £6,800.

 

The letter I received last week referred to PBP

- Payment Break Plan and looks to be a letter of 'without admission of liability'.

 

I have scanned part of this and attached it to this post.

It would appear than an adjustment of just over £10,000 has been credited to my account, and the cheque I have received looks to be the difference between the amount of the adjusted credit, and the outstanding balance as mentioned above.

 

I'm just wondering if this is legit or maybe a ruse on the part of Monument to track down their un-paying debtors.

 

I have seen other posts here mentioning refunded PBP - which I never knew I had, but these are dating back to 2014/2015.

 

Obviously we're now at the latter part of 2016, and they 'look' to be still paying out.

The letter states they will apply the adjustment values to any outstanding debt from the account, and should this result in your account going into credit, we will issue you a cheque within 28 days - which looks to be the same as others have posted here.

 

I'm not sure whether to put this cheque in the bank or leave it be as I really can't afford to be snared in this way.

Any input would be greatly appreciated.

 

Thanks.

BPB.jpg

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Its all legit

Nice Xmas pdesent


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Thanks.

Just seems strange that they said i had contacted them when i haven't.

But still - don't look a gift horse in the mouth.

Thanks for your confirmation.

 

Cheers,

 

Merry Christmas!

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Hi again, just to let you know the cheque that i was sent by Monument cleared today. I'm now nearly 7K better off.

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thread title updated.

dx

 

 

 

 

 

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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