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    • A mobile phone mine while I was out watching the football with all the lads.
    • Hi,   Stumbled upon this website and I see the general advice is ignore CRS and that they can't do anything but thought I'd make my own post as I'm still anxious and don't want debt collectors to turn up at my parents home.   Facts: - Joined Xercise4less in June, 2017. I paid £11.99/m - Finished uni in July 2019, so I wanted to cancel membership as I was moving back home and the closest X4less gym would be 50miles away.  - I initially put in a freeze request (thinking it's to cancel). When I told my friend he said I need to fill in a different form to cancel the contract. - I was confused so I confirmed this with someone working at the gym. They explained even though my 12m contract has finished, in order to cancel the contract I would have to give 30 days notice using a form online and cancel my DD. - So I completed this online form that same week and canceled my DD a few days later.   * Fast-forward to 20th January 2020 *   - Received a letter (to my parents address) from CSR yesterday (20th). Asking me to pay £213.47 including their fee of £102.50. - I was at work when my parents send a pic of letter. Return address said HGC - a quick google search shows them as Hutchison Global Communications aka Three.  - What did I do next?  Since I didn't have the letter in front of me I asked my parents for the number & reference on the letter. - Then stupidly called CRS thinking its Three and it's regarding my recently cancelled phone contract.   What I told CRS on the phone: - When I found out it was about my cancelled gym contract I explained in detail several times how I correctly cancelled my contract back in July 2019 and I will not be paying the outstanding amount. I didn't even use the gym. I did say I may be open to paying the monthly fee. - Advisor said Harland got my freeze request but nothing else, no proof = you must pay or they will continue to purse me. He also said outstanding amount is not negotiable and me not using the gym is irrelevant. - I asked for Harlands contact details, CRS refused to give it to me because Harlands will not discuss this matter with me.   After 15mins of going around in circles, me explaining what happened and advisor saying I must pay, I finally I said I am not in the wrong here. I filled the form correctly, and it said 'submitted. If their system didn't receive my request it is not my fault and I cannot be held accountable for an error on their part. So I don't agree with the charges and will not pay it and ended the call.   Other info: - CRS said the charge of £213.47 is for membership from October 2019 - Dec 2019 + late fees + CRS fees. - Told the advisor I no longer live at the address they sent the letter to. He asked for new address and I refused to give this out, so they will add an additional £36ish for tracing my new address. - Apparently they sent several letter to my old address but I know they didn't because I still have friends living at that address who would have told me if anything addressed to me came through. - I believe the system didn't acknowledge my cancellation request since a freeze request was in place but that doesn't mean I owe them any money and definitely not £213.47.       Thanks in advance!      
    • Here are the above letters vanquis.compressed.pdf
    • This got me thinking. There are only 4 parking bays on the site. They charge 50p for 1 hour, £1.00 for 2 hours, £1.50 for  3 hours and £2.00 for 24 hours. Yes, £2 for 24 hours! How is this site profitable? Do parking companies run these types of sites with a business model that is focussed more on issuing PCNs that intimidate motorists who lack knowledge of the law into paying up?
    • Hearing of Boris' problems ringing Big Ben,  Jeremy K. Hunt; in an effort to ingratiate his way back into government; offered his services ....         He said he would offer to run the injured parties to hospital, as long as they had medical insurance  
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Lowell/cohen claimform - old Santander Credit Card Debt ***Claim Discontinued***

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I have just received a letter from Howard Cohen and co solicitors

 

Without prejudice as to save costs settlement offer

Including claim number

 

With reference to my defence please find enclosed

 

Signed credit agreement

Default notice

Statement of account

Certificate of name change

 

Original court claim was Feb 2015 I defended it with CPR request they failed to respond to my defence judge struck it out

 

Taken them two years to respond (2 days short of)

 

The last payment was November 2011 so over the 6 years

 

am I right in thinking that they can not restart the 2015 claim and would have to start a new claim from now but now statue barred

 

Thanks


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Thread moved to Financial Legal Issues in view of the court claim.

 

They would have to start fresh proceedings with the courts permission given its the same claim...but it will be statute barred now if they did.

 

The clock started to tick again when the claim was struck out

 

Andy


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Thanks Andy, that's what I wanted to hear

It's actually2 days short of 3 years

 

Will wait for them to follow their clients instructions and issue court papers


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Have a letter from Howard and co

 

As follows

 

We note your assertion that this claim is statute barred, however this is denied by the claimant.

 

A last payment was received on the account on 01 November 2011.

 

As such, this claim was issued on 17 February 2015 and is therefore not statue barred.

 

Further,please find enclosed a copy of the claim history from money claims online,to show that the claim remains live.

 

Therefore,please contact this office to discuss your proposals accordingly.

 

All I have is the claim history

 

You submitted a claim on ??/??/2015

Your claim was issued on ??/??/2015

Mr not going to pay filed acknowledgement of service on the ??/??/2015

 

I have contacted them and told them I will not accept any phone calls from them or any junk mail

Please send me a court claim as the one they refer to was struck

Out.


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any advice given is based on experience and learnt from this site :-)

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I personally wouldn't have bothered...dont get into letter tennis..ignore their nonsense


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I personally wouldn't have bothered...dont get into letter tennis..ignore their nonsense

 

Yes you are right time to chill a little and ignore them

They got me on a bad day


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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don't bait the bears IHB!

next time either ask here first or sit on your hands!:lol:


..

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don't bait the bears IHB!

next time either ask here first or sit on your hands!:lol:

 

Good to see you still here doing a great job I've not been around for a few years now.

They annoyed me a little don't think any harm done but should do things the cag way will ignore them and put more effort in being about a little more. Many thanks


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any advice given is based on experience and learnt from this site :-)

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Had another letter from Howard and Cohen

 

Letting me know thatbthe claim has been discontinued and their client has now permantly closed my account and non further action is required on my part.

 

I won this one lol


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Good stuff ...thread title updated.

 

Regards

 

Andy


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

 

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They could sell it on. Just keep hold of that letter ... just in case :) and congrats.


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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The letter did state If you wish to discuss any aspect of this matter please contact our clients collection agents Robinson way on ....who will be happy to discuss this with you.

 

So I rang them the guy on the phone did say congratulations you won this one the balance is zero.

 

I have got every letter received from them over the years.


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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