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    • urm the link in my post…..
    • Hi, where do I find the standard sticky please, I’ve looked but I think I am missing it 🙄
    • Hi Rei and thanks for the update.   Your post confirms what we're telling folk all the time - Harlands/CRS, Zinc and their pet "solicitors" continue to make demands but they fail to do anything substantial to back up their threats.   Hence our continuing advice to NOT respond to demands by letter, email or phone, because they'll do nothing that will affect your credit rating, or that will force you to pay.  
    • Hi GHL and welcome to CAG   You now have your own thread to use from here on ( to avoid hijacking someone else's thread where you first posted).   I assume there were 2 separate m/ships and not a joint m/ship, but please confirm.   I hope you've read other threads here which should help you understand how Harlands/CRS operate. They use every opportunity to make far more money from missed payments and penalty fees, than what they make from taking a percentage fee from ongoing monthly gym fees.   Yours was a rolling monthly m/ship so you only needed to give them notice to quit but there was no minimum 12 month term. Hence all you owe them is £19.99 each.   Write a letter to Harlands, each of you :- 1. Offering to pay the £19.99 for the notice period you failed to give 2. Offer valid for 14 days only. 3. Offer withdrawn if they fail to accept, or if they demand any higher amount.   Post a draft of your letter here first so we can check it.    Letter(s) should be sent from the PO and get a free Certificate of Posting from the PO Counter.  
    • King I fully understand the mother was living there on her own and only one named on the tenancy agreement.   As for your comment that after informed of the passing in a few days they pack tenants belongings and store them and change the locks this I completely disagree with.   In my are the different HA (and there are many) in a scenario like this will:   Communicate with the executor/family member once informed of bereavement informing them of any succession rights, property to be handed back ( 28 days on being informed of above) if unable to must notify the HA to ask for an extension.   After the 28 days if no contact the HA will then follow its Abandonment Policy.   If contact made after 28 days and no extension has been granted HA will then go to court to claim property back.   Once this is done and no contact off to court to claim property back only then will the enter the property unless in an emergency or legally required i.e. gas safety inspection even then may need to go to court for that to get access.      
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Moriarty Law / MMF (Uncle Buck)

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Just reading this forum for some help

 

I recieved a letter from Moriarty Law about an old pay day loan stating I owe about £200.

 

I had several pay day loans, rolling the over etc and I must have paid far more than that in interest alone.

 

(I had a period about 5/6 years ago when i got out of control with pay day loans and most of them were settled.

Wonga even wiped off my debt as they said they had made errors in their porcess)

 

I am adding a forum post as this letter comes at a terrible time from me,

I have spent the last month in hospital with my father who has been recovering from cancer and 5 operations that has left him in intesive care.

(Hopefully he can pull through but I digress)

 

I wanted to just check my actions and keep a note of what I am doing do I don't end up with a backdoor CCJ.

 

So.....

- CCA being sent to Moriarty Law with Postal Order and letter stating my address.

 

- If they send one back I have seen mention of an irreponsible lending complaint, so I'll read up on that.

 

Thanks for the great information, I haven't been able to conentrate and this was so clear and easy to follow.

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just send MMF our CCA +£1PO nothing else is need.

 

quite honestly i'd start an IR complaint against every original creditor you took a PDL with.

you never know what you might get back...

 

we've had some astounding results!!


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.

 

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Single Premium PPI Q&A Read Here

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