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    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • It already allows visitors to spend their quarantine on a golf course in an effort to boost tourism. View the full article
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 1 reply
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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.

 

:-)

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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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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Share on other sites

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

                                                                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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  • 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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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

                                                                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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