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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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valencia1617

Xercise4Less Leeds and Harlands/CRS

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Hey Guys,

 

It hasn't taken me long on this site to realise that you have dealt with a lot of situations regarding Xercise4Less and Harlands/CRS so, whilst that is comforting, I am still rather nervous as they continue to demand extortionate amounts!

 

I'll keep it as brief as possible:

 

 

Currently I am working abroad in Valencia, therefore I wished to cancel my Xercise4Less membership (I had membership for over 12 months.)

 

 

I used their website for cancellation on the 19th December and received an automated email, saying I would receive official confirmation within 30 days.

 

 

On the 9th January, this email arrived, mentioning that my account had now been cancelled. It further mentions that my 30 day notice started from the day of initial cancellation (19th December), and a direct debit payment went out on that very day (9.99 monthly rate).

Therefore, when I received the second (and more official) cancellation email,

I decided to cancel my direct debit,

as I believed that the December 19th payment would be my notice payment.

 

This however was not the case, and I received a letter from CRS to my parents' home address in the UK, demanding 207.47!

 

 

am aware that it is absolutely pointless contacting them via phone, so I am only emailing them.

 

 

I responded to their letter, mentioning how I received an official confirmation letter. However, yesterday they replied with this:

 

On 18 November 2015 you entered into a Membership Agreement with Xercise 4 Less. You agreed to pay £9.99 a month and give a months written notice when you wished to cancel.

 

As your payments were not honoured and you failed to rectify your breach of Agreement charges were applied to your account and your file was referred to ourselves.

 

Xercise 4 Less have not received the relevant notice from you to cancel your Membership. If notice had been given correctly in December 2016, as per your correspondence, you would have still been liable to pay your January 2017 instalment as your notice period, this was not received.

 

What I think has happened, is that I fell short of the 30 day notice by only a number of days, as I cancelled my direct debit a few days after I received the email of cancellation on the 9th January.

 

I am willing to admit to them that I made this mistake and that I will pay 9.99, but the 207.47 payment is outrageous.

 

 

ny help you guys can give would be hugely appreciated, and if I have missed anything out then let me know!

 

Thanks!

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just send the slick132 letter

 

 

they are a DCA

and not bailiffs

so have no legal powers whatsoever

so NOTHING to be worried about.


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Ok, that's good to hear thank you! Should I first send an email to offer to pay the 9.99 difference? To which I imagine they will reject?

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Hi Valencia and welcome to CAG

 

Keeping it simple, if X4Less say your notice started on 19th Dec'r AND you paid a DD on that date, I don't see that you have to pay any more.

 

Not £9.99 for the next month, nor any admin fees at all.

 

Write a real paper letter to X4Less at their Leeds Head Office saying :-

 

I refer to my m/ship at xxxxxxx gym.

 

You confirmed that my 30 day notice started from the day of initial cancellation (19th December), and a direct debit payment went out on that very day. Yet Harlands/CRS are now demanding I pay over £200 including their unlawful fees that they're trying to charge me.

 

Unless you tell Harlands/CRS to back off immediately, formal complaints will be made without further notice to Trading Standards and The CMA about your use of Harlands to harass your customers.

 

Please reply to me at the following UK address where my mail is monitored.

 

Or you can write to my Valencia address which is xxxxxxxxxxxxx

 

Don't fret about this - Harlands/CRS are full of hot air but it's important that you know what they're up to at all times, hence what I say about your addresses.

 

:-)


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Thanks for the reply! I think i'll try to keep it to just my UK Address, post in the past for me in Spain has been a nightmare!

 

One thing regarding the monthly payments however is that they always came out of my account around the 18/19/20th of the month; depending on which month. So I think it may have just been a coincidence that the December payment fell on the same day as my cancellation day, meaning no notice payment went out. Perhaps, in that case, I should still admit to owing 9.99 and send an email to Harlands/CRS first?

 

:)

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Hi Valencia,

 

Emailing Harlands/CRS is a waste of time. They're only interested in getting you to part with your money !!

 

It really doesn't matter about a day here or a day there with the DD and notice issue - from what you've said, I'd suggest you owe them nothing more.

 

In any event, Harlands treat X4Less members so badly that they should only get money they are clearly owed and I DON'T think that applies to your case.

 

Just send the letter to X4Less as I said above and let us know how they reply.

 

:-)


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Cheers slick!

 

I am trying to find the Head Office address, is it the same address as the Leeds Gym itself? (1, Kirkstall Industrial Estate, Kirkstall Rd, Leeds LS4 2AZ, UK). Just wanting to make sure as I know that just sending the letter to a gym would get me nowhere!

 

Thanks :)

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Hi Valencia,

 

Yes, that's the address and make the top line:-

 

Xercise4Less Head Office

1, Kirkstall etc

etc

 

:-)


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Ok thanks slick!

 

Letter has been sent, kept the same as what you showed me apart from adding ref. no, address etc. I'll keep you informed when I get a reply :)

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Hey guys, just a quick update. CRS came back with this email. Regarding what they're now saying, shouldn't it be the right moment now for me to offer the 9.99? And then proceed with another letter to Head Office? (I haven't heard back from them yet)

 

 

Further to your recent correspondence, your payments were due on the 18th of each month. 18th December 2016 was a Sunday and as such your payment was taken the following day.

 

You have submitted your request on 19th December 2016 and as such you would remain liable for any payment that fell due in the following 30 days. 30 days after 19th December 2016 was 18th January 2017 and so your final payment should have been 18th January 2017. That payment, however, was not paid due to your Direct Debit instruction having been cancelled.

 

We were previously led to believe you had given no notice and so your membership continued. We now concede this was incorrect but it remains the case that you have failed to make payment due under the terms of your agreement.

 

As such you are no longer liable for the sum of £19.98 relating to your February and March 2017 instalments of £9.99 each, which had not become due on the date your notice period expired. You remain liable, however, for £187.49, consisting of your missed January 2017 instalment and charges arising from the recovery of that amount.

 

We may be able to negotiate on this sum, but would require you to contact one of our telephone negotiators on 01444 449 165 in order to do so. Payment can be made by Credit/Debit card by calling us on 01444 449165. Alternatively, cheque/postal orders should be made payable to Credit Resolution Services and sent to CRS, 2nd Floor, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW.

 

A payment plan can also be set up if you are unable to settle in full, although we do charge a little extra for this.

 

If you are experiencing financial difficulty, there are organisations who offer free debt advice and assistance such as Step Change (0800 1381111), National Debtline (0808 8084000) and your local Citizen Advice Bureau.

 

Please ensure a payment or response is received within the next 7 days, so we can avoid further action being taken.

 

Yours sincerely,

 

David Castle

 

Collections Department

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ignore


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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Hi Valencia,

 

DX is right - ignore this nonsense from Harlands/CRS.

 

Wait for the reply from X4Less and do nothing until they reply.

 

:-)


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Whilst I completely agree that they have lowered the money to try and convince me to pay up, surely I should still just send the email regarding offering 9.99? I know that others on this forum have done this, and then it seems that it puts you in a better situation when contacting X4L. It's unfortunate that a Sunday meant that the payment came out a day later, and is an unfortunate coincidence that I thought it would be the notice payment.

 

I absolutely agree that they are talking a load of nonsense, but I am just thinking of ways that would put me in the best possible position when it comes to contacting X4L.

 

:)

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Hi Valencia,

 

You made an offer to the gym which they've not replied to yet.

 

You have no need and nothing to gain by responding to CRS (Harlands in disguise). They are chancers who are only interested in getting you to pay what they can.

 

As said, ignore their begging letter.

 

:-)


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Thanks !:-)

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Hey Slick,

 

By an 'offer to the gym,' I assume you just mean that my offer was for Harlands to quit harassing me? And not that of a monetary offer?

 

:)

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As I never mentioned about a monetary offer in the letter. I assume you didn't mean that anyway but I was just curious! :)

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Sorry Valencia,

 

I deal with so many threads here, I get confused a bit too easily sometimes. :wink:

 

You did NOT make any offer to pay the gym - you wrote to the gym as per post #4 and they've not yet replied so IGNORE this contact from Harlands/CRS.

 

Until the gym replies to your email, ignore Harlands /CRS completely.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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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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No worries slick! I know you have to go through a lot, you guys do a great thing for people on this forum!

 

How long does it take on average to receive a reply from X4L?

 

:)

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There's no saying.

 

Sometimes, they'll ignore and other times they'll reply in a week or two.

 

Until they reply, you have nothing to worry about.

 

:-)


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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I've just been told from back home that CRS tried to ring today,

despite me telling them twice that I shall only talk via email (even though I won't be doing that anymore).

They really love to pester don't they!

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you tell a fleecer not to do something

they'll do it

as you've given them a weapon to pressure you


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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Yeah I understand!

 

Since that call, I've been trying to convince my Mum that there is nothing to worry about. I know that there isn't as Harlands are just hot air, but would you guys be able to clarify a few things? I think it would be best to hear it from the horse's mouth:

 

. They are a DCA and not bailiffs

. That this 'debt' does not affect my credit or the house's credit

. It does not place the house on a blacklist

 

:)

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correct a DCA HAS NO LEGAL POWERS WHATSOEVER on ANY DEBT, not just GYM debts!!

 

 

correct its NOT a debt, gym accounts cant show or hurt your rating

 

 

theres NO SUCH THING as a house BLACKLIST, an old wives tale.


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

spreadsheets 

 

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