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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Gymtec/Harlands cancelled due to disability but now getting chased for fees


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Hello

I am looking for some advice but couldn't work out how to create a new post?

 

I joined a gymtec gym in May 2013 on a 12 month contract but became unwell late 2013, early 2014 I was diagnosed with Fibromyalgia I wrote to my gym cancelling my membership due to developing a disability and being unable to use the gym due to severe muscle pain, limited mobility and fatigue. I included a copy of my consultants letter confirming diagnosis and also informed the gym I was struggling financially due to divorce proceedings and now supporting myself and my step daughter on only my income.

 

I heard nothing but cancelled my direct debit the following month in April 2014.

 

I the recieved a letter in Jan from CRS on behalf of Harlands to say I owed £186 for unpaid membership fees and associated charges. I wrote to the gym stating I wanted to deal with them and explain I cancelled and why I did and included a copy of my original letter and the consultants letter. I've heard nothing and had another CRS letter threatening CCJ.

 

I've emailed the gym again and stated clearly I had a material change in circumstances that prevented me from using the gym.

 

What should I do next?

 

Have CRS ever obtained a successful CCJ for gym membership?

 

I can prove I am disabled and this condition developed and was diagnosed during the contract corresponding with my cancellation I can also prove I was struggling finacially at that point too due to the divorce.

 

I was hoping to get some advice from Slick as he seems to be the guru on all things Harlands/gym related 😀

 

The threat of legal action feels very intimidating but can they really do anything?

 

Thanks

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Hello

I am looking for some advice on what to do next about an old gym membership I cancelled 3 years ago but am now getting chased for fees etc. :x

 

I joined a gymtec gymicon in May 2013 on a 12 month contract but became unwell late 2013, early 2014 I was diagnosed with Fibromyalgia I wrote to my gymicon cancelling my membership due to developing a disability and being unable to use the gym due to severe muscle pain, limited mobility and fatigue. I included a copy of my consultants letter confirming diagnosis and also informed the gym I was struggling financially due to divorceicon proceedings and now supporting myself and my step daughter on only my income.

 

I heard nothing but cancelled my direct debiticon the following month in April 2014.

 

I the recieved a letter in Jan from CRS on behalf of Harlandsicon to say I owed £186 for unpaid membership fees and associated charges. I wrote to the gym stating I wanted to deal with them and explain I cancelled and why I did and included a copy of my original letter and the consultants letter. I've heard nothing and had another CRS letter threatening CCJ.

 

I've emailed the gym again and stated clearly I had a material change in circumstances that prevented me from using the gym.

 

What should I do next?

 

Have CRS ever obtained a successful CCJ for gym membership?

 

I can prove I am disabled and this condition developed and was diagnosed during the contract corresponding with my cancellation I can also prove I was struggling finacially at that point too due to the divorce.

 

I was hoping to get some advice from Slick as he seems to be the guru on all things Harlands/gym related 😀

 

The threat of legal action feels very intimidating but can they really do anything? :|

 

Thanks

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No ccj's in years

 

If its that old safe to ignore

A DCA is not a bailiff

 

Seem s lots are getting these letters on very old debts

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 Evie and welcome to CAG

 

I think Harlands must be struggling financially !! They're dragging up really old accounts and harassing folk to pay even though the matter is years old.

 

Their threats are empty and we've seen no court cases recently from Harlands/CRS - ignore them completely for now.

 

Also, make no further contact with the gym - they will not be interested in your case.

 

Keep us posted though.

 

:-)

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Dear oh dear......

 

Social media will be very very pleased to hear of how X4L are treating you, PLEASE, PLEASE, PLEASE, jump onto X4L's facebook and twitter accounts and let them know (aswell as their members) just how appallingly and litigiously they treat their own customers, I bet your local paper would like to run your story too? And don't forget BBC Watchdog, and trading standards, they're already looking into X4L's contracts and third party DCA.

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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