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    • Do you think I should send the CCA request now then instead of waiting? I really can do without the stress. Any advice would be appreciated. Thank you for responding.
    • How was the "receiver" appointed and what is their role? Appointed by the lender under the terms of their security on the loan (sometimes referred to as "LPA Receiver")? Or are they acting for you in insolveny? What's the current role of the agent?
    • Wait for more replies, but that letter to me can be interpreted as a letter before action. Ignoring it can have consequences. The court to impose sanctions for failure in responding to a letter of claim.
    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
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Harlands Group... Surprise, Surprise


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Hello there, New to CAG here.

 

 

Just want to start by saying thanks to the site team for there posts to other peoples problems involving the scourge that is Harlands, it's been very helpful to me.

 

 

I have my own tale of woe which I will regail you with as briefly as possible.

 

 

I signed up to JD Gyms last January to a no contract membership (sound familiar?)

 

 

First month taken by card so no issues,

following month in Feb my DD came out... twice!

 

 

This was the first i've even heard of Harlands

I got in touch (after several attempts of being on hold for 45+ mins) to explain and they said they would look into and call back which they didn't.

 

 

After several more attempts and one very heated email from me they eventually cancelled what was apparently a duplicate membership set up by the Gym which was a load of rubbish,

 

 

i've been to the Gym and they showed me on there own screen that only 1 membership comes up when typing my postcode in.

 

 

I later tried to cancel the other membership

called them up after reading horror stories on here and they said I couldnt because it was a 12 month contract.

The JD by me doesn't even do contract memberships!

 

 

Had various back and

I'm now at the 12 month mark of my imaginary contract and will just be glad to be rid at this point

 

 

I called Harland and gave my notice.

They've said its done and in the system and I won't be charged again after this months payment.

I've also put it on an email to their website for thoroughness.

 

 

I want to cancel my DD once my last payment comes out to ensure they don't end up charging me again and having a nightmare recovering the money But am slightly concerned that this will open a can of worms.

 

 

Could someone tell me if this is the best move?

I was recently reading through TwinMum1's thread and don't fancy a 2 year long battle and the possibility of a mark on my credit score! Thanks in advance!

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they cant hurt your credit score.

you should have gotten the double payment back via your bank and the DD guarantee.

its nothing to do with harlands

 

 

so when was your actual last usage?

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 Heisen and welcome to CAG

 

If you'd come to us a year back, we'd have advised :-

 

1. Cancel the m/ship and the DD mandate due to the double DD being taken and no one sorted it out quickly for you.

 

2. AND/OR ....... Cancel the m/ship and DD because you were led to believe (incorrectly) that this was a No-Contract m/ship agreement.

 

However, what's done is done and you've paid for a year when you probably need not have paid.

 

If you've read TwinMum's thread, you should know this will NOT affect your credit rating at all.

 

I would suggest you allow the final DD to be taken if you want; OR cancel the DD and pay no more at all.

 

The choice is yours ..................

 

:-)

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they cant hurt your credit score.

you should have gotten the double payment back via your bank and the DD guarantee.

its nothing to do with harlands

 

so when was your actual last usage?

 

Hi there, Sorry for the late reply.

 

 

Well that's exactly what I did in the end.

Harlands weren't responding to me in regards to the refund on the duplicate payment

I rang my bank and they sorted it under the DD guarantee.

 

 

I think my last usuage was about April and I tried to cancel around September ish as I hadn't been usuing it for a few months. that's when I found out I was apparently in a 12 month contract.

 

 

I did read the thread but didn't see mention of the credit score so must have missed that part.

 

 

To be honest it's been that long I may as well make the last payment as I think i'd prefer not to be hounded by them for the next 2 years whether it's unlawful or not.

 

 

Needless to say I'll be much more vigilent when picking my Gym's in future and giving any that use Harland a very wide berth.

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well done!!

 

 

come back if you get anymore silly threat-o-grams

they cant do anything anyway..

 

 

dx

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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Share on other sites

Hi Heisen,

 

To be honest it's been that long I may as well make the last payment as I think i'd prefer not to be hounded by them for the next 2 years whether it's unlawful or not.

 

Needless to say I'll be much more vigilent when picking my gym in future and giving any that use Harland a very wide berth.

 

Comments noted and I understand your wish not to be hounded, hence you'll pay. I hope this works for you.

 

See here for a guide to using and cancelling a gym in the future - http://www.consumeractiongroup.co.uk/forum/showthread.php?452671-Cancelling-your-Gym-Agreement-Get-it-right-!(1-Viewing)-nbsp

 

:-)

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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