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    • 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 Offer withdrawn if they fail to accept, or if they demand any higher amount.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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Hi,

Last year I started my own DMP.

 

I have 4 creditors,

Barclaycard,

Likely Loans,

Capital One and

Robinson Way (2 cards with Newday).

 

Shortly after starting,

Barclaycard offered a fixed payment plan for 62 months, the amount requested was below that offered. 

 

After a further six months Capital One allowed me to use the card again.

 

Now some questions:

 

How would I put these two on my  I & E review?

 

How would the others react this?

 

Do I just carry on and just “fiddle” the figures around the above and hope they don’t notice?

 

And one other thing relating to Robson Way.

Newday passed these 2 accounts on to RW quite soon after I informed them, and I mean within weeks.

 

Also, in a communication with RW, it was mentioned these accounts won’t have a lower offer amount if repaid early.

Does this mean RW are just collecting the money so the debt doesn’t appear on Newday books?

 

Look forward to your replies

 


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Hi and Welcome to CAG

 

Have you received notification from Newday that the two debts have in fact been assigned or RW just chasing on their behalf ?

 

andy


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Hi, it does say assigned in letter. But, Newday started me on a 12 month plan last June, paid on time, then had letter from Robinson Way stating the debt has been passed on shortly afterwards.

 

Ian.

 

 

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Then you now deal with RW...Forget Newday.....have you ever sent any section 78 requests for the agreements on your DMP ?


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

 

If you want advice on your thread please PM me a link to your thread

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CCA request every debt to whomever now owns it

check your credit file.

 

dx

 


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