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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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shamk125

Xercise4less membership harlands & crs

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i had joined the gym at around 2014

i entered a 12 month contract with them which was done but i kept my membership and kept going until around late this year,

 

i had received a couple of letters from harlands and i recently received a letter from crs,

i had realised that i had a missed payment as i had insufficient funds in my bank account but i had paid any late payments to harlands over the phone.

 

I went on holiday around november got back and i had a letter from crs saying i had to pay £171

 

i decided to phone them up ask what the payments were for and it was mostly admin fees which i got deducted

 

i paid any missed payments of £10 for the months membership but they tried to charge me £66 for debt recovery charge which i refused to pay,

 

i have also cancelled my membership around the start of december and then few days ago rang my bank and told them to cancel the direct debit for harlands.

 

i also recently received a message from crs saying the need to speak to me urgently

 

edit: the months were 2 months around august and September but when i received a letter from the first time harlands i had paid them £10 for each of the month but then they sent even more letters saying that i owe even more now so i just ignored them

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Hi Shamk and welcome to CAG

 

Do not talk to Harlands/CRS any more for ANY reason. Speaking to them will do you no good at all. Just stay off the phone and ignore their demands and any contact until we've decided your best course of action.

 

..........but i had paid any late payments to harlands over the phone.

 

What did you pay to Harlands and did you pay 2 missed month's fee or some admin fees on top ?

 

Some more info please :-

 

1. When did you first tell the gym you wanted to cancel the m/ship.

 

2. How did you tell the gym - ie in person, by letter or email, by phone, etc.

 

Please see other threads to see how others are dealing with Harlands, mainly by ignoring them after making any necessary contact.

 

:-)


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I pretty much filled out a cancellation form online at around the end of November and i cancelled direct debit 18th of December.

 

What i paid to harlands was the £10's for any months late/missed payment due to insufficient funds

 

they were asking for stupid amount for admin fee and i just kind of blanked the other payments for admin fee as i had already paid when i signed up at the gym.

 

I had a talk with them on the phone and the got rid of admin fee payments and were asking for the debt recovery charge which i refused to pay

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Hi Shamk,

 

Did you pay a further gym fee after filling in the on-line cancellation form at the end of November. You probably should have done so.

 

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umm im not too sure to be honest i did ask them what payments do I have, I spoke to them on the 16th and paid them £10 as they said this was the only payment for the months payment that needed to be paid

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Hi Shamk,

 

Speaking to Harlands or the gym will never be to your advantage. Harlands may come back to harass you for the next payment that was due under the cancelled DD mandate.

 

If they do, let us know but do NOT respond to any demand until we've commented.

 

:-)


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Hi Shamk,

 

Speaking to Harlands or the gym will never be to your advantage. Harlands may come back to harass you for the next payment that was due under the cancelled DD mandate.

 

If they do, let us know but do NOT respond to any demand until we've commented.

 

:-)

 

i just got another letter from crs saying that my account balance is back on £161.47, i feel like phoning them up and lashing out and giving them abuse but that wont solve anything. this letter pretty much says their fee has not been paid and they will commence legal action if i do not pay them. They claim i am in breach of a legally binding contract. I am not sure what to do any help guys

i could phone them up tell them to stop harrasing me cause no matter how much i pay them they keep increasing the amount i have to pay even when i finished my membership with xercise 4less

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Hi Shamk,

 

No change from previous advice.

 

Do NOT try to contact Harlands/CRS at all. You'll get nowhere by letting rip at CRS.

 

Ignore their begging letter and don't try to communicate with Harlands/CRS, The Zinc Group, or Spratt Endicott.

 

:-)


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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.

 

Thanks !:-)

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