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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Harlands and Xercise 4 Less **RESOLVED**


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Hi there, Wonder if I can get some guidance on my situation with xercise4less and Harlands.

 

Cancelled direct debit around August 2016 because wasn’t using the facility anymore and the 12 month contract expired ages ago. Didn’t contact the gym to advise of cancellation until Harlands chased payment the following month.

 

Went around the houses a bit until eventually phoned Harlands again in December stating this is cancelled from months before but realise didn’t actually tell the gym so paid all outstanding instalments and admin charges (about £100 by this point). Really fed up but didn’t realise the charges were unenforceable - then assumed matter closed, arrears brought up to date and membership terminated.

 

Receive standard letter re January missed instalment and another £25 admin charge 31st Jan - Responded with this letter (sent to Harland’s and xercise for less):-

 

Dear Harlands,

 

Membership with Xercise 4 Less Quote Reference: xx

 

I write to confirm I have cancelled this membership arrangement. Can you please respond to confirm my cancellation is updated on your record? Please confirm I owe no further money I have been trying to cancel this membership and have not used the service for over 6 months.

 

I have called the hardlands helpline two times to cancel and I have paid off your charges in December. I am now up to date. Please confirm no further action is required from me.

 

I have a learning disability. Please can you respond in writing so I can get somebody to help me understand? I don’t understand from phoning the helpline why I have been charged more money since I wanted to cancel. Many thanks for your help,

 

14th Feb - Receive this letter from Harlands: Dear Jimbob We are disappointed you have not responded to our previous correspondence. The February instalment has now been missed…. Admin fee £25 etc etc Call harlands helpline to make payments… lines are open etc If you do not call by 24 February 17 the collection of membership fees will cease to be administered by Harlands and will be passed to a debt recovery agency.

 

This may incur you significant additional fees and ultimately result in court action.

 

20th February - Replied with this letter. Sent recorded to Harlands and xercise for less:-

 

Dear Harlands

 

Re: my cancelled membership to Xercise for less Quote Reference: xx

 

I write, in response to your letter 14 February 2017. I have indeed responded to your previous correspondence I am disappointed you have not responded to my previous correspondence (copy enclosed) No further instalments to xercise for less are due since I advised you of cancellation of my membership. No further administration charges are appropriate, these are unlawful.

 

I await your revised response in writing confirming your records are now up to date, otherwise I consider this matter closed. Kind regards

 

23rd February - Receive this response (written exactly like this!) Further to your recent letters to our offices, Harlands can confirm that the agreement has not been cancelled as of yet as not cancellation has been sent from xercise 4 Less head office. We await their contact

 

6th March - Receive this email from gym Hi Jim, I have spoken to our Membership support team regarding your membership. You need to reinstate your DD and cancel your membership and pay off any outstanding arrears on your account. Healthy regards

 

6th March - Receive letter from CRS advising arrears now £69.98 and the usual information to pay via Harlands helpline by 12th March and the threat of legal action as next steps.

 

Do I sent another letter, or resend my previous letter to CRS?

 

Should I respond to the gym manager?

 

Thanks in advice for any help..

 

Apologies. I wrote post with line breaks! Hope that is not too hard to read?

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Hi JC and welcome to CAG

 

It's way too hard to read in a block like that but the format can go wrong depending on the device you're using.

 

I'll sort it for you now adding para spacing and, by the time I've done that, I'll have read your post and will reply ..............

 

:-)

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i'd be go getting that payment back

was it by a debit card

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 JC and you post above is now legible :wink:

 

I hope you've read other threads here by now. If you have, you'll realise you should never have paid Harlands the £100 you referred to in para 3 of your post above. However, that's done and in the past so forget it.

 

We now need to make sure you pay nothing more to Harlands/CRS, regardless of their demands and threats. We'll help you with this !

 

If you want, I can draft you a letter you can send to X4Less which should get them to tell Harlands to clear off.

 

Do you want me to do this for you, or you could draft your own letter on here and I'll check it.

 

Let us know..........

 

In any event, do NOT worry any more about threats from Harlands/CRS - they're full of Hot Air and will do NOTHING !! :wink:

 

:-)

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Thanks for sorting that and thank you for the reply. Yes please, if you draft a letter I will send to the gym. I realise now I should not have phoned in December but I didn't find this forum until it was too late!

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Letter to X4Less as follows. Send by Royal Mail Signed For delivery :-

 

Xercise4Less

1, Kirkstall Industrial Estate

Kirkstall Rd

Leeds

LS4 2AZ

 

Dear Xercise4Less,

 

Membership at [town/city] gym

 

I refer to my membership at xxxxx gym which was past the initial 12 month minimum membership term.

 

I wanted to cancel but failed to give you notice as I should have done. As a result, Harlands contacted me and demanded over £100 which I paid for gym fees and their "Admin" fees. I now realise I should NOT have paid their demands as they made me pay admin fees that I didn't owe.

 

Since then Harlands have continued to harass me saying I've still failed to cancel my gym agreement and I owe even more.

 

You now need to tell Harlands to stop contacting me any more. If they contact me again, I'll make formal complaints to Trading Standards and The CMA.

 

I require your confirmation in writing that this matter is now closed as I paid Harlands more than I owed when I failed to give the gym the required 1 month's notice.

 

Yours faithfully,

 

Keep us posted :-)

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Thanks for that. Is that the address I should use? I have been sending letters to the actual gym so far.

 

Should I also send this in response to the email contact from x 4 less? Or just a letter.

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Hi JC,

 

Just the letter to X4Less Head Office with proof of postage.

 

Email or letter to the local gym will prob end up in their bin !

 

:-)

We could do with some help from you

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  • 2 weeks later...

Hi There, J

 

ust a quick update, to thank you Slick for the help and to let you know got this response from the gym today

 

********* Thank you for your letter to Xercise4less head office We are happy to confirm that your membership is now cancelled.

 

We have informed Harlands to clear all charges to your name as no further charges are owed *******

 

Its cost more than a months gym fees in recorded letters but glad this is resolved now.

 

Good luck to anyone else following

- what a nightmare these companies are to deal with!

 

 

**Edited to add in line breaks again which wont save??***

Edited by JimCrick84
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Hi JC and this is good news.

 

Enjoy the peace and quiet now Harlands/CRS will not be harassing you any more.

 

Thread title now reflects your result.

 

:-)

We could do with some help from you

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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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