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    • why is this in the overseas forum? as you or steadypay not in the UK?   dx  
    • I recently applied for a Sure Start Maternnity Grant and received a decision from the DWP today, declining my eligibility; under the basis that there is another child (under 16) in my family/ household. My situation is this,  I am co-habitating with my partner/ father of my new/ first baby.  Within the last 10 months, my partner's daughter from previous relationship (age 13) had to be removed from her mothers care, owing to domestic violence issues.  The family Courts are still dealing with the situation as her mother is contesting her daughter residing with us, as she wants her to return to her home/ care - so obviously there is Social Sevices involved etc. Anyway, prior to this situation arising, my partners daughter, had always resided with her mother and my partner, had regular acess etc. I have cited the Sure Start Maternity Grant Act/ Policy and the more recently published 'Restricting payment of the SSMG to first child only' -  I have to say, both have left me further confused as if you read the 'restricting payment policy/ in one paragraph, it states that in a situation where a woman has her first child and another child under 16, residing in same household/ family and is from the partners 'previous relationship' this would be considered a 'first child' and will be eligible for payment of grant. If however, the reverse applies (ie: it is the 'father/ partner' first child, then payment would not be made.   This seems pretty straightforward, but then the policy starts to contradict itself and goes on to define, the only exception for payment to more than one child, is in the case of the child living in same household, is not from partner.  Or if you are adopting a child under 1 year old/ special guardianship etc, then you are eligible. It does not offer the scenario of any childd in household under 16, from partner previous relationship being acceptable?   Can anybody please clarify this point please???  I want to challenge the decision/ request a Mandatory Reconsideration - but wanted to include my reasoning/ the point of law they have not applied correctly?   Any help advice / greatly appreciated.   thank you 
    • you don't respond LInk DCA ...the biggest fleecers there ever were know full well that: Barclaycard rarely even have enforceable CCa's for even debts from the last 10yrs, let alone one from the 1990's.!! not a chance!!   ignore until/unless you ever get a letter of claim. and read my red bits below if you aren't on a tablet or mobile.   dx
    • Looks like the 2014 TCE was ignored, or disregarded then as unless the scenario hinted at by UB is followed as in point the camera at the TV now show the serial number on the back and it is listed, there is no way that CGA could be compliant.  Don't think it could be in reality unless EA sees the goods in situ and lists them correctly. Might be big stink if there was a forced entry removal after a Virtual CGA.
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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
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    • 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
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Help, CRS/Harlands debt **WRITTEN OFF**


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Hi I wondering if anyone could help me with a recent letter I received from CRS regarding Xercise 4 less.

 

Since cancelling my gym membership via my bank and calling the gym to cancel this is the first letter I've received.

 

My account balance is currently £207.47 with an added fee of £36 for tracing me

- bearing in mind I've lived at the same address for 6 years.

 

 

I rung them straight away to say I wouldn't be paying it as it's a ridiculous amount and that I thought my membership had been cancelled.

 

 

I asked if I could appeal so they gave me an email address to write to,

a number of emails have been sent back and forth.

One stating the gym had an incorrect address and all previous letters had been sent there.

 

 

from them trying to 'find' me my bill is now £207.47.

I've stated I won't pay this but would pay a month and a late fee as if I'd received the first letter this is what they would be asking for, at the end of each and every email they say they could negotiate with the fee.

 

 

Having gone back and forth with the company and going around in circles

I've rung again today and a lady was on the phone I told her what I'd be willing to pay she told me I could reduce the bill by £40 if I paid today,

 

 

I point blank refuse to pay for a bill that had it gone to my address in the first place wouldn't be so big.

 

I'm due to have a baby in 3 weeks time and I'm really stressed about the situation,

I cancelled outside of the contract and I just don't know what else to do!

Sorry for the long post but if anyone could help or advise me I'd greatly appreciate it thank you.

 

Just to add I cancelled in Feb and received this letter 19 June

Edited by dx100uk
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you should never ring them

and never be afraid of a DCA

 

 

a DCA is NOT A BAILIFF

and never can be on ANY debt.

 

 

what you simply do is write a LETTER

tell them that you are willing to pay ONE MONTH membership following your cancellation notification to them but not any unlawful penalty fess.

 

 

if they don't accept, you IGNORE THEM ALL.

 

 

there is nothing they can do to you

it cant harm your credit file

and

they don't do court.

 

 

read threads here too

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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Thanks for the fast response, when on the phone earlier I asked her to send me a breakdown as to what I was been charged for. Do you think I should wait for this letter and then response with a letter stating I'll only pay for the one month?

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no send it now

matters not what they send now

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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i think theres a sticky on this forums homepage

or theres 100's here from slick132 already read other threads.

 

 

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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Hi Bean and welcome to CAG

 

There's no rush to respond to Harlands/CRS - they'll have to wait !!

 

1. When did you join.

 

2. Was it an 11 or 12 month minimum m/ship term.

 

3. Did you give the give notice about cancelling by letter, email , phone or email and, if so, when.

 

4. What was the last date Harlands took a DD payment.

 

5. When did you cancel the DD mandate via your bank.

 

6. If you were withing the minimum m/ship period, did you have a valid reason to cancel like relocation of home or job; illness or injury; redundancy or drop in wages; etc.

 

:-)

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Hey slick, I joined January 2016

 

My email say 11 months

 

No notice given, as stupid as it seems I didn't realise any was needed

 

Not sure, I'm going to go bank and ask for a statement

 

Pretty sure it was February 2017

 

Was out of the m/ship period.

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Hi Bean,

 

First and foremost, Harlands/CRS are nothing at all to worry about. They are an nuisance but nothing more. Focus on your baby and forget these fools for now.

 

Give an answer to Q4 when you can.

 

After that, you can probably use one of my letters to offer Harlands a final 1 month's fee, which they'll refuse 'cos they're too greedy. But after your offer expires, you can ignore them !!

 

:-)

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I've not been able to get to the bank yet but received a breakdown of my bill

 

£29.97 - 3 months membership fees @ £9.99

£75.00 - 3 months missed payment charges @ £25.00

£66.50 - CRS recovery charge

£36.00 - Trace fee

 

Just thought I'd let you know what I'm been billed for ;)

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Hi Bean,

 

Out of interest, have you moved address since you left the gym prompting the CRS "Trace Fee" ?

 

Don't even bother going to the bank to get the answer to Q4. Just send the following letter to Harlands at their Haywards Heath address :-

 

Dear sir or madam,

 

I refer to demands recently received from Harlands/CRS about my Xercise4Less gym membership.

 

I was beyond my minimum membership period so was entitled to end it.

 

Because I failed to give you a month's notice, I now offer to pay this now. If you agree in writing within 14 days to accept £9.99 in full settlement of all that I owe, I will pay you promptly.

 

If fail to accept my offer or demand any higher amount, I will pay you nothing and ignore all demands from Harlands/CRS, Zinc or anyone else.

 

As I am about to have a baby, any further demands will be reported to Trading Standards and The CMA, as harassment.

 

Yours faithfully,

 

Send this to Harlands and get a free Cert of Posting at the PO when it's sent.

 

In your circumstances, you could also send the following letter to X4Less Head Office ;-

 

Xercise4less (Leeds) Ltd

Unit 1, Kirkstall Industrial Estate

Leeds

West Yorkshire

LS4 2AZ

 

Dear sir or madam,

 

Membership at XXXXXXX gym

 

I was a member at the above gym From Jan 2016 to Feb 2017.

 

I failed to give the required 1 month's notice when I cancelled my DD mandate and, since then Harlands/CRS have been demanding ever-increasing amounts from me.

 

I have now offered to pay Harlands the final £9.99 that was due but I will not pay what Harlands/CRS are now demanding, namely :-

 

£29.97 - 3 months membership fees @ £9.99

£75.00 - 3 months missed payment charges @ £25.00

£66.50 - CRS recovery charge

£36.00 - Trace fee

 

I am amazed you continue to use Harlands/CRS. Their tactics of bullying, persistent demands and harassment and well-documented on the internet.

 

I enclose a copy of my offer letter sent to Harlands today.

 

I am due to give birth in about 2 weeks and I do not need harassment from Harlands/CRS. Accordingly, will you kindly use your influence to get Harlands to not contact me any more at all, except for telling how I can pay the £9.99 I owe them.

 

I will NOT deal with this matter by phone at all, but in writing only.

 

Yours faithfully,

 

Same again about getting a free Cert of Posting at the PO.

 

:-)

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No I haven't moved at all, when I questioned the charge they said my address had been put down incorrectly (a few doors down) I asked how this situation was my fault when they'd input my data incorrectly and been sending letters to the other address... they still want me to pay this amount! I'll send the letters ASAP, thanks

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Hi Bean,

 

They are trying to justify something that is NOT justifiable !! They're such total chancers, really.

 

Send the letters and let us know what happens.

 

Oh, and stay OFF the phone. If anyone calls you, just hang up.

 

:-)

  • Haha 1

We could do with some help from you

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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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  • 3 weeks later...

Hey!

 

I sent my letters off 6/7/17, sent them signed and 1st class so both received them the 7th.

 

Hadn't heard anything of either until today where I've received a letter off CRS stating my balance has already been written off at the request of their client!

 

So I owe nothing, just thought I'd update you and say thanks 😊

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hey well done everyone!

 

 

dx

 

 

 

 

 

 

 

 

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You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

or by downloading our toolbar and using it to search the web instead of your normal search engine:- http://consumeractiongroup.co.uk/cag_plugin.php

Please help.

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 Bean and thanks for the update.

 

It's nice to see X4Less actually take notice sometimes when told their agent (Harlands) is a nasty bully.

 

Hope all goes well with you.

 

:-)

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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