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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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Watfield

I'm 16 and Harlands and CRS are trying to get £100+ from me

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 I had seen an ad from a friend for a gym near me and they were offering a free trail period, I had decided to sign up.

 

Inputting my card details, but due to me being 16 and not having any sort of constant income I decided against staying with the gym and cancelled the direct debit.

 

Then I recieved an email saying I was still required to pay £27.99, however at the time my bank account had been closed so I was unable to pay anything.

 

Then they had incurred a late fee of £20,

I had called to ask why I had to pay for the initial fee and the late fee even though I've never been to the gym itself.

 

My bank account had been through a lot and had closed quite recently and I haven't been able to open up a new one until recently,

 

they've now sent a message saying that a new company has been employed to deal with the debt, which now totals to £116.49. And I highly doubt I'll be able to pay this.

 

Would anyone be able to help me with this please.

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Moved to the gym forum.

nothing they can do to you

 

ignore everything

 

just read a few threads here


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

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They never do court, and if they did would not be happy when tolchocked by court for suing someone under 18, which is a no no.

 

So safe to ignore as DX suggests.


We could do with some help from you.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hi Watfield and welcome to CAG

 

Harlands were the company dealing with the initial DD and CRS are the "new" company involved ........

 

.......... except that Harlands and CRS are the same outfit, pretending to be different companies so you think the matter is getting more serious. But it's not !!

 

1. Did you sign up in the gym or outside of it, like online at home, or in a shopping centre.

 

2. Did you give your real date of birth when signing up, or one to make you appear to be 18+.

 

Ignore all contact, calls, emails, text msgs for now - you have no need to do what they want and they can do nothing about you ignoring them.

 

:-)


We could do with some help from you

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Thanks !:-)

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I signed up outside of the gym online, and I think I might have made it seems I was over 18

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first thing to do is stop worrying about it, the letters are commonly called threatograms here as the dca has no interest in the matter and can do nothing other than threaten that their client may do so and so if you dotn send them a wad of cash.

Dca's arent bailiffs, they have no authority to visit you,cant seize goods and most of them dont hold a consumer credit licence so cant legally take money from you on behalf of the creditor

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Hi Watfield,

 

If you signed up away from the gym, you had 14 days to cancel. Did you cancel within this time ?

 

If you were under 18 when joining, they cannot enforce any gym agreement with you as you were a minor.

 

You should completely ignore all demands for payments just now but keep us informed so we can suggest the right time to tell Harlands/CRS to back off !!

 

:-)


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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Yeah I had cancelled within the 14 weeks.

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weeks?


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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Thanks and you should ignore all demands for contact or payment.

 

Keep us posted though :-)


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. Update. I have recieved multiple text messages from crs stating its urgent and I.must call then immediately.

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Block the number and avoid all communication with Harlands/CRS/Zinc in future (whether it be written, email, text or phone call). It's not urgent - they're just trying to scare you into paying money that you do not owe. They have no legal grounds, especially since you're a minor.

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Hi Watfield,

 

No matter what Harlands/CRS say or threaten, you should not respond to them at all - not by phone, email or letter.

 

There's nothing they can do so just continue to ignore them.

 

Keep us updated ...............

 

:-)


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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Today they sent me an email saying they would take legal action and would file a court case against me  but would still like me to pay before they do so.

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no they didnt

read it PROPERLY

doesn't say WILL anywhere

 

you should be bouncing and blocking emails from them

 

 


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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