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    • I emailed the Information Comissioner's Office for clarification. I explained the above and asked them if the DPA applies to firms.   To my surprise,  they phoned me today. Lloyd bank's policy of refusing to release information about corporate (ie business accounts) is incorrect. The fellow at the ICO told me I am legally entitled to ask my own bank to insist that Lloyds provide them with the info that I want. I cannot remember the name of the protocol but when i phoned my bank and explained that I had spoken to the ICO, my bank's operative spoke to a superior and confirmed that they would now start the ball rolling.dd 
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Joshyluds

Trouble with CRS/harlands

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Hi all

I know there is a lot of people getting this hassle from CRS on here just looking for some guidance. 

 

I had a 12 month contract with exercise 4 less which i saw through till the end and more. I was under the impression of no longer being under a contract having been a member there for longer than 12 months. 

 

 

I cancelled my DD in January as I worked away and no longer used the gym. 3 months later I received a random text from CRS claiming I need to get in touch regarding my account and should check my emails. 

 

I had an email stating I owed £207 to harlands for missing 3 months payments which would have equalled just under £30. 

 

I called CRS and got through to some arrogant git who had no interest in helping me. He explained the charges were for a tracing charge and late repayment charges. 

 

I explained how I cancelled and he told me i was supposed to cancel through the website as I had been moved on to a rolling contract which I didn’t know about. 

 

I told him I’m happy to pay the outstanding charges of the missed 3 months as it was a genuine mistake of how I cancelled, but he said that’s not possible I have to pay the charges. I refused to pay the charges as I’ve received no warning of any missed payments, not a single letter through the door or email prior. 

 

I’ve received 2 more texts and a miscall since this which was 3 weeks ago. Just wondering where to go from now as I’ve noticed my credit score has gone down and can only be from this. I would continue to ignore if my score wasn’t being effected. Just slightly worried it will keep going down. 

 

What steps should I take next?

 

thanks for the help!

 

 

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ignore and block all texts emails and calls.

 

send them a letter offering ONE MONTHS membership [as you didn't give them 30 days notice of cancelling the DD]

moved you to the gym forum

plenty of examples of the required slick132 letter here in many threads

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi Joshy and welcome to CAG

 

As DX says, find and adapt one of my drafts - offer to pay just one month's fee for the month you should have given notice but you won't pay any more and you won't pay any admin fees (penalty charges).

 

Use a typed letter ( not email) and keep us posted ...................

 

:-)


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 guys finally had a reply to my letter, as follows: 

 

Thank you for your letter in regards to your account with CRS.

As you have stated in your letter that you cancelled the direct debt as you was no longer using the club you are in breach of the T&C  set out by the club.
We  would not just be able to accept the £9.99  and i would be able to offer you  settlement of £157.47  to close the account down.

Please let  me know how you wish to proceed with the account.

Yours sincerely,

Jason Smith

Collections Department

 

any clues on what I should do now? Many thanks josh

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nothing they can do

you now ignore everyone.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi Joshy,

 

Yes, just ignore further demands for now but keep us posted.

 

Don't reply in any way, by phone, email or letter.

 

:-)


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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