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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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x4l harassment and locked in gym


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when I was a membership the staff at X4L accidentally locked me in the gym.

I was putting my pants on in the changing room and the lights went out.

 

As soon I put my jacket on to leave the room I realized there was no one there and the steel shutters were down.

This resulted me having to leave through the fire exit which caused the alarm to go off at 10 o'clock at night.

The staff apologized to me and I carried on training there for two months.

 

Come september I leave the gym to relocate to my university city.

I cancelled the membership through my bank because I have read stories about them continuing to take money after cancelling through their online form.

 

A few months and 5 harlands emails later I have received an intimidating phone call from an X4L head office person demanding me pay £125 to cancel my membership.

 

The thing is when I signed up I picked the membership option that allows me to cancel anytime I want as you pay £10/month extra for no minimum 1 year time frame.

 

Now they are lucky I didn't take legal action when they locked me in the gym (what if I was blind like my friend????)

 

now I am being harassed on a bi-weekly basis over phone and text messages to pay 'administration fees'.

I have had it!

 

What are my rights and would my case stand a chance in court if I were to press legal action?

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good I see you've read the get it right thread

 

so offer them 1 month only by LETTER

 

then ignore them

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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Yeah if they send another email demanding admin fees I'll write a letter to them offering only 1 months payment.

 

Do you think its worth seeing a solicitor/lawyer about the getting locked in thing?

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doubt it

prove it?

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 Raees and welcome to CAG

 

Being locked in is, to my mind, totally irrelevant to the issue now about cancelling without giving notice.

 

Read other threads and use one of my drafts offering to pay them the 1 month's fee you owe, valid for 14 days only.

 

Get a free Cert of Posting at the PO when you send it. Letter goes to Harlands which is who would have spoken to you and made any demands.

 

:-)

Edited by slick132

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Actually the guy who called me yesterday said he was from X4L.

 

Furthermore I don't think someone working at harlands would speak in such a rude and condescending manner over the phone.

 

He said 'I'll give you one last chance to pay up...'

One thing led to another,

 

I got mad and told him to .. and pass it onto the debt collectors. :lol:

 

Regardless, here is the letter I'm going to send:

 

Dear Sir or Madam,

I refer to my membership at the Xercise4Less gym in Guernsey Road, Sheffield, South Yorkshire which was a month to month agreement.

I cancelled my direct debit mandate in August but realise now that I should have given 30 days’ notice to cancel.

Cancellation of the DD mandate was adequate notice of my wish to cancel.

 

I now offer to pay £19.99 for the notice period.

 

I will not pay you any administration or cancellation fees.

 

If you confirm in writing that you will accept the amount of £19.99 in full settlement of all that I owe, I will pay you promptly.

 

If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.

Yours faithfully,

(Credits to you; I found it from one of your other posts from October)

 

Its addressed to Harlands:

Harlands Group

2nd Floor, Rockwood House

9-17 Perrymount Road

Haywards Heath, West Sussex

RH16 3TW

 

Is that right or is it meant to be addressed to the X4L head office?

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that'll do

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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Why don't you think they'll talk like that? They write like that so of course they'll say whatever They want

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Raees,

 

Experience here over the years tells me it was Harlands/CRS who called. They have no manners and talk to folk like dirt.

 

The gym has very little to do with gym fees at all.

 

Send the letter and see if they even bother to reply to you. After that, ignore their demands but keep a log of contact from them in case you need to make a complaint of harassment.

 

:-)

We could do with some help from you

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  • 4 weeks later...

Just arrived back from a vacation, sent the letter off yesterday.

Received another phone call 2 days ago telling me I have to reinstate the DD, pay £201.47 and then use the online form.

I told him to suck my pecker and hung up. :lol:

 

Is it just me or does anyone else think their letters are incredibly unprofessional?

 

"You want to continue your membership - The club want nothing more than for you to get the full benefits

of your membership. You simply need to pay your arrears and either set up a new Direct debit with us

for your remaining months or rejoin Xercise 4 Less if your membership has expired."

 

:lol: :lol: :lol:

 

Why would a debt collection company care about me getting the 'full benefits' of training at a gym? Are they really dull enough to think I'd continue my membership after their horrendous customer service? I'm never going to train at a budget gym again. Its clear how they can afford to have so much equipment and a big building but only charge £9.99-£19.99/month. Because they have an income stream tricking ex-members into thinking they have hundreds of pounds of debt.

 

Red underlined bolded text? Really... My little 8 year old cousin can write scary letters aswell.

 

God, they really annoyed me. I wish I could ruin their business.

Edited by Raees
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Hi Raees,

 

Not sure about the swearing but you're right to end the call quickly.

 

Keep a log of all contacts from Harlands/CRS. If their contact amounts to harassment, you have the option to take direct court action against Harlands.

 

Do nothing more until Harlands/CRS reply to your letter.

 

:-)

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.

 

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Good morning,

 

I still haven't had a written reply from CRS/Harlands. However, I received another email today with the usual: legal action or we'll pass onto another debt collector.

 

1. LEGAL ACTION

We believe you are in breach of a legally binding contract with Xercise 4 Less because you have not paid

your membership and our fees. We may pursue a claim under this contract through the Courts. If we do so

the following process would apply:

1. We will write a formal letter explaining what we are demanding and give you a final

opportunity to pay/reply;

2. If this failed to settle the matter we would issue proceedings against you in the County Court;

3. You could then either:

a. make payment, ending the legal process, or

b. dispute some, or all, of the amount was owed.

4. If you dispute the amount was owed the Court process would continue, at the end of which

the Court would make a decision on our claim.

5. A strict Court imposed timescale will apply in relation to the Court process.

Were we to be successful in our claim, or if you ignore the claim, a County Court Judgment (CCJ) may be

registered against you requiring you to make payment. You may also be liable for our costs of pursuing

legal action and interest on the amount owed.

If you then fail to pay the amount covered by the CCJ we would take the next steps required to enforce the

judgment. To do this we would have to make an application to Court.

2. OUTSOURCE TO EXTERNAL AGENTS

Your account would be passed to another Collection Agency who will take further action to recover the

monies owed

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bet you're scared.....

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 Raees,

 

If they pass it on to Zinc, you can safely ignore any demand from them, same as Harlands/CRS.

 

:-)

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That's great.

I assume there's no need to inform my solicitor about the legal action threat?

It would be quite time-consuming if I have to create a counterclaim.

Edited by dx100uk
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why do you need a solicitor for a gym debt?

counterclaiming is useless

its not a reason to not pay

 

but as gyms don't do court

and these muppets that keep writing don't own the debt and have never done court...

read the letters PROPERLY

they don't say WILL anything

 

oh and block their emails and bounce them back

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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forgive me but my legal vocabulary isn't very good. by counterclaim, i meant a defense in a country court.

 

i see.

 

reading carefully they say 'we may' not 'we will'.

 

i'll block and bounce all emails from harlands and crs, and then eventually zinc.

 

what happens after zinc?

 

does it go back to harlands or is it dropped entirely?

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it eventually fizzles out

 

again you might get scary letter from some fake/tame solicitor

but its all just from the same printer in the same office simply using the same threat-o-text program.

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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After Zinc send a snot-o-gram demanding on behalf of Harlands/CRS (which you can just ignore), you may hear from Spratt Endicott or Major Law or whoever Harlands/CRS are using as their Pet Solicitor this month.

 

It's your choice to either ignore Zinc and the Pet Solicitor, or write back to them telling where to get off !! Whether you reply to their demands or not, they'll only contact you by letter once or maybe twice.

 

Let us know if you want to reply to them and we'll point you in the right direction for what to say.

 

:-)

We could do with some help from you

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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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  • 2 weeks later...

Its been over 2 weeks since I've sent the letter.

 

I've got a certificate of posting saying it was sent on the 21st of February at 17:42.

 

It looks like they completely ignored it or they never received it,

 

I'm still getting text messages from the CRS/Harlands asking for the usual.

 

Texts are being forwarded to 7726.

 

I find their emails funny to read so I probs won't block them haha.

 

But my offer has now expired.

Edited by Raees
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so you now totally ignore them all

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 Raees,

 

They could take weeks to reply, if they even BOTHER to reply to your specific letter.

 

Enjoy the fact that, apart from issuing very empty threats, they'll probably do NOTHING !!

 

:-)

We could do with some help from you

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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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