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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
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    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Harlands/Crs hassling


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Hi 

 

we’ve been member of the xercise4less for over 12 months and it rolled over for another 12 months. My wife cancelled her gym membership by giving verbal notice and gym staff advised her to cancel her direct debit at the end of October 2018. 

 

We’ve been in touch with CRS via writing and completely avoiding any phone calls. We adopted our letter based some of the advice on this forum. They now have responded with this letter. 

 

Please advice what we should do next? 

 

Regards

 

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what did you write please?

did you offer one months membership but no admin fees?

if so you now ignore everyone.

 

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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We have removed the letter that you uploaded because it contains all of your personal details. Please upload another version of the letter that this time you should redact it to make sure that you can't be identified by your name, address, reference numbers – et cetera.

 

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you havent redacted that properly again

ive removed it

 

you dont need to do anything 

they cant harm you in anyway.

gym debts don't show on credit files

gyms nor a powerless DCA do court on these debts now

 

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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removed

ref no in top right box.

 

 

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

safe to ignore

 

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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Hi Momon,

 

Just to clarify, did you pay the first years m/ship all in one payment or did you pay by monthly DD ?

 

Just ignore Harlands/CRS begging letters for now.

 

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I assume you mean you  paid by MONTHLY direct debit and not an annual one.

 

So if you gave notice to quit and then paid a final monthly fee after that, before cancelling the DD mandate, you have nothing to worry about.

 

Keep us posted ...........

 

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We could do with some help from you

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Yes we paid by monthly and thereafter when the twelve months lapsed it was a rolling contract.

 

We were advised that one month verbal notice was sufficient at the time. My wife stopped using the gym prior 4 months before cancellation. 

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It doesn't matter when you stop USING the gym - it's when you give notice to quit that matters.

 

Despite what gyms and their admin companies say, you can give notice to the gym in various ways and that's sufficient, with no need to contact the admin Co,

 

Read here for more info - 

 

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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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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Read the thread I posted the link to - it's all there.

 

Just because a gym or Harlands/CRS say something does NOT make it right or enforceable, as evidenced by the many hundreds of threads here.

 

😎

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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