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    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Harlands / CRS Text Message


Sam1994
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I cancelled my gym membership in February 2018 over the phone to a gym colleague and was told I would be able to use the gym up until March 2018 for the 1 months notice payment.

 

However come June, I noticed they were still taking the payments out of my account, I contacted my bank and they were able to refund me the 3 months additional payments that they took out. I went into the gym and they said that you're not able to cancel over the phone even though I can clearly remember making the phone call and being told that it would be cancelled.

 

The manager of the gym said that I'm still a member of the gym but offered me the ability of not having to pay the 1 months notice but would not be able to refund me the 3 months that they took out without me knowing (which I am fine with as the bank refunded me).

 

So that was that, and I thought it was all sorted and then last week I got a text message from an unknown number saying:

 

'You have been sent an email from CRS regarding your account. Please check your inbox/junk folder or call the helpline on 01444 449165'

 

I checked my emails and couldn't find it, maybe because I used an old email that I can't remember anymore, but I wasn't too sure what the text message was about anyway so I just left it.

 

Then this morning I got another text saying:

 

'Please call CRS on 01444 449165 between 8:30am and 6pm. We sent a letter a week ago and need to discuss this with you. Thank you.'

 

As a note I have moved house since, so I haven't seen this letter. I've read some other posts on here, but they're slightly different to this situation and I just want this resolved asap.

 

Thanks!

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no you are exactly the same as 99% of people here

 

simply block their texts and emails and bounce them back

 

there is nothing anyone can do to you.

 

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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no you are exactly the same as 99% of people here

 

simply block their texts and emails and bounce them back

 

there is nothing anyone can do to you.

 

dx

 

So is that it, just ignore them? Will they not take action in anyway?

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like what?

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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No they won't take action, they DON'T like to go to court because they get crucified.

 

Embarrass the gym on social media.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Sam and welcome to CAG

 

Please confirm what gym this is about - it can affect the way you handle this issue.

 

Take some time to read other threads and you'll the same thing again and again - folk being told one thing by the gym staff about cancelling and then being harassed by Harlands/CRS for money they almost never owe.

 

Harlands/CRS threaten lots but generally DO nothing.

 

They can't register any alleged debt with a CRA so it won't affect your credit rating.

 

Keep a log of all contact from Harlands/CRS in case you need to file a complaint of harassment.

 

And forget talking to the gym for now - they will normally be totally disinterested in helping you in any way.

 

:-)

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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Hi Sam and welcome to CAG

 

Please confirm what gym this is about - it can affect the way you handle this issue.

 

Take some time to read other threads and you'll the same thing again and again - folk being told one thing by the gym staff about cancelling and then being harassed by Harlands/CRS for money they almost never owe.

 

Harlands/CRS threaten lots but generally DO nothing.

 

They can't register any alleged debt with a CRA so it won't affect your credit rating.

 

Keep a log of all contact from Harlands/CRS in case you need to file a complaint of harassment.

 

And forget talking to the gym for now - they will normally be totally disinterested in helping you in any way.

 

:-)

 

Ok, thank you for the info, the gym is called 'The Workout'

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Ok, thanks for the gym's name.

 

If Harlands/CRS persist in harassing you, we can suggest a letter telling them you cancelling as per staff instruction and paid a final fee, so Harlands should back off !!

 

In the meantime, just ignore them.

 

:-)

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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  • 2 weeks later...

Since posting this, I've received a test message saying:

 

'It is urgent that we speak to you today. Please call CRS on 01444 449165. Thank you.'

 

Today I received this message:

 

'You have been sent an email from CRS regarding your account. Please check your inbox/junk folder or call the helpline on 01444 449165'

 

I checked my email and this is what it says:

 

----------------------------------------------------------------------

 

ACCOUNT BALANCE: £205.35

 

Dear ...

 

IMPORTANT - PLEASE CALL US TODAY ON 01444 449165

 

Re: CRS Ref No: ...

The Workout Burton Ref. No: ...

Following our initial letter, we are disappointed that your account with The Workout Burton is still in arrears

and our fee has not been paid.

We would still like to reach an amicable resolution to this, however, if you fail to respond to this

letter, we will have no option but to commence further action to recover the monies owed. The

options available to us are:

 

1. LEGAL ACTION

 

We believe you are in breach of a legally binding contract with The Workout Burton 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.

YOU CAN AVOID THIS HAPPENING IF WITHIN THE NEXT 10 DAYS YOU CONTACT US ON

 

01444 449165 TO ARRANGE PAYMENT WITH US.

 

Yours sincerely

For Credit Resolution Services

 

Nuria Manson / Collections Department

 

----------------------------------------------------------------------

 

Should I go into the gym and tell them about this?

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Hi Sam,

 

Ignore this but keep us posted.

 

No need to reply at all.

 

:-)

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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