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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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Hi,

 

I have cancelled my membership with x4less on their website after 12 months as per agreement,

i have received letters from Hartland and CRS saying we couldnt collect the monthly DD as it has been cancelled.

I have sent them a letter via RM offering them to pay the "returned" DD of £12.79:

 

This is my letter:

 

"I cancelled my direct debit for xercise4less on 10th February ; exactly after 12 months as per the minimum contract period (see attached letters).

This gave notice to quit the gym membership at xercise4less. 

 

I have only seen a letter from yourselves today stating that my bank have advised you that my February instalment has been returned unpaid "instruction cancelled". 

This letter is an offer to pay you £12.79 that was apparently “returned” to my account if you supply me with a reference and a bank payment details.

If you demand any higher amount due to admin fees or any other reason, I will pay you nothing and this offer is valid for 14 days only."

 

This is their reply:

 

"Further to your recent contact with CRS.

We have been passed your file by Xercise 4 Less in regards to unpaid arrears due under the terms of your Membership Agreement.

On 9 FEB 18 you entered into a Membership Agreement with Xercise 4 Less via an online sign up process. Upon providing your details, including your name, address, bank account details, e-mail address and date of birth, you agreed to pay £12.79 a month for a minimum period of 1 months

As your minimum term of payments was not honoured and you failed to rectify your breach of Agreement charges were applied to your account and your file was referred to ourselves for collection.

Having signed your Membership Agreement online you have entered into an enforceable contract and you remain liable to clear your account balance. There not being a signed document would not make you any less liable to pay.

https://xercise4less.snapdda.co.uk/Clients/Xercise/MasterTermsAndConditions.pdf

Please contact us within the next 7 days on 01444 449165 to discuss repayment of your balance."

 

 

Please advice on next move. 

 

Regards,

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ignore now totally

 

dx


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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@dx100uk

 

Thank you. Will do so for now. I will keep you updated. 

 

Regards

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Hi Geedi and welcome to CAG

 

Have you paid a total of 12 months fees before the DD mandate was cancelled.

 

Don't reply to Harlands/CRS at all for now.


We could do with some help from you

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@slick132

 

Hi,

 

Yes, I first paid £27.79, which consisted of a joining fee of £15.00 and the first monthly payment of £12.79. I then paid 12 more DD payments of £12.79 each for 12 months there after. Last payment left my account on the 9th of Feb 2019.  Total paid so far is 27.79+12*12.79= £181.27.  Then I cancelled my membership on their website and cancelled the DD on my account. So, in reality I paid them 13 months.  

 

Regards,

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Great - so you've paid 12 months fees or more and they refused to accept your final fee offered for the notice period.

 

Ignore further demands from Harlands/CRS but keep us posted.

 

It's best to give a months notice to cancel so you pay a final fee after giving notice. See the guide here so you get it right next time - 

😎


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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Hi Slick,

 

Thank you for this information. 

Yes, exactly. I have definitely paid 12 months plus the first payment of £27.79.

I have blocked their numbers and I didn't reply to any of their emails. 

I will keep you posted. Cheers.

 

Regards,

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