Jump to content


  • Tweets

  • Posts

    • Does anyone know if a person has the right  to use a lay representative in the family division of the county court? the wording of the Lay representatives(right of audience) order 1999 refers to a county court and stage 1 or tier 1 proceedings and Scots law have a form to fill out for such representation but it isnt clear whether the english system has such a clearly defined right of audience. The MoJ mentions it in some discussion papers as though it is hard and fast but in other documents  it is McKenzie Friends who are written about as if they are the only people allowed other than sols/barristers.   reason why lay rep needed is they can speak and the other side cant object where with McKenzie friend they cant speak on behalf of claimant/respondent and the other party can object to that person being present- which will happen  in this particular case. Ultimately it may well be a discretionary power of the judge but dont want to start off with a bad step.
    • It seems as though the solicitoras want to keep hold of this payday and will do anything to churn it ( make money by continuing an action that isnt in the clients interests). The land registry will have the record of who paid for the property and how so you will be in the clear on that as you didnt just take the place over, you bought it from the estate of the deceased. now it seems like your mother is struck by regrets/remorse over her inability to take over the property at the time and what tends to happen is that relatives will sit there and say bad things about the person who they see is the beneficiary of their misfortune and then get into a feedback loop, each reinforcing the wrong opinion of the other. Your attempts to sort things out logically ahs tempered this somewhat so do continue and keep clear of their  lawyers at all costs, they will just keep the meter ticking over and bring the negative thought back to the surface. your parents will already be about 2 grand a day down on anything the sols have done so try and get them to  look back to the mess that her father's death left them in and amke it clear that at least the house is still in the family and that she has benefitted from that by receiving money at the time that otherwise she wouldnt have got. If that still causes friction then I would still write to them rather than responding to the solicitor, the lesson they will learn will cost them less and when the sols have moved on to the next client they will have not lost so much of what they still have left. Ultimately if they do actually issue proceedings you can ask for the claim to be chucked out as having no merit etc by showing how the place was bought. I do struggle to believe that people dont know who their mortgage was with even after all of this time,  same as I find it odd that people suddenly find details for accounts with tens of thousands in that they had forgotten about. You can find out as again it will be in the Land registry entry for most properties that had a mortgage
    • A claim was issued against you on 30/07/2019 Your acknowledgment of service was submitted on 31/07/2019 at 18:14:49 Your acknowledgment of service was received on 01/08/2019 at 08:05:52 Your defence was submitted on 30/08/2019 at 23:17:46 Your defence was received on 02/09/2019 at 01:06:05 DQ sent to you on 27/09/2019 DQ filed by claimant on 27/09/2019 You filed a DQ on 23/10/2019 Your claim was transferred to BIRMINGHAM on 14/11/2019
    • no local courts can be very slow depending upon case loads.   as long as the org claimform had your correct and current address on it, it's just the above.
    • I've just checked and the status is   "Your claim was transferred to BIRMINGHAM on 14/11/2019"   The last I've heard is the phonemail from mediation. No mail received. Should I be worried about this?
  • Our picks

Summoner1337

Xercise4less/ CRS Debt

Recommended Posts

Hello,

 

I have recently received increasingly threatening emails from Xercise for less and now the Credit Resolution Services and i was wondering if anyone knew what to do.

They say i owe them £231.47 but i think this is crazy.  

 

I joined the gym on the 30th Of April  my first payment of £17.99 being taken out of my account on 1st of May.

So presumably this is the payment taken for May.

 

Then on the 30th of May another payment was taken of the same amount presumably for June.

I then cancelled my membership on the 15th of June

cancelling my direct debit as i had moved back home from university for the summer.

 

In my eyes i paid them what was owed and I don't see why i should have to pay them for July when i cancelled half way through June.

Especially when i was moving away. 

 

I'm back home living over 100 miles away from the gym and couldn't even benefit from the gym fully in June never mind July.

 

 Hopefully this makes sense and someone can help

 

i'm really unsure of what to do and i feel there is no way this can be right what they're asking.

Share this post


Link to post
Share on other sites

moved to the gym forum.

 

how did you cancel, who did you tell?

 

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 

 

Share this post


Link to post
Share on other sites

Looking at my emails now i can see i have received an email from Harlands Cloud confirming that i have completed the online cancellation form on the 15th of June. It tells me in this email not to cancel my direct debit as if i do i will not be able to use the services and they will cancel it for me when my final payment has been made and my 30 day notice has ended. 

Share this post


Link to post
Share on other sites

Hi Summoner,

 

If you moved location, you were entitled to cancel the m/ship.

 

You owed 1 month's fee for the notice period from the date you gave notice to cancel which was 15th June. So you owed just 1 final fee due around 15th July.

 

If you cancelled the DD before the July DD was taken, you owe Harlands £17.99.

 

Find a letter from other threads offering to pay Harlands what you owe.

 

Ignore any demands from Harlands/CRS and look for a suitable draft letter that offer to pay only the £17.99, valid for 14 day and withdrawn after then OR if they demand any higher amount.

 

Let us know if you can't find a draft and someone will give you a link.


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 !:-)

Share this post


Link to post
Share on other sites

Thankyou for the advice i will have a look around and see what i can find!

Share this post


Link to post
Share on other sites

Hi guys i found a template and adapted it and wrote this. Do you think this would be ok to send? If this is ok to send what should i do? I've had a look on some of the other forum posts.

 Do I print it out and post it to Harlands getting a proof of postage note from the post office and is that it?

 

Dear Harlands,

I refer to my membership at Xercise4Less gym in Nottingham which was a rolling monthly agreement.

Following Xercise4less guidance I informed yourselves of my cancellation on 15/06/19.

 I also cancelled the Direct Debit mandate.  

I now realise that I did not provide 30 day’s notice.

I therefore offer to pay the outstanding £17.99 for the notice period.

I will pay no administration or cancellation fees and no further membership amounts as I have relocated to over 100 miles away from the gym.

If you confirm in writing that you will accept the amount of £17.99 in full settlement of all that I owe, I will pay you promptly.

If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.

Yours Sincerely, My Name

Share this post


Link to post
Share on other sites

Hi Summoner,

 

Ah, so it was a rolling monthly m/ship so the fact that you moved away isn't relevant.

 

But the letter is fine and should go to Harlands Haywards Heath address by post and get a free Certificate of Posting at the PO.

 

Stay off the phone from now on - keep it in writing only.

 

😎


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 !:-)

Share this post


Link to post
Share on other sites

I think i may have made a mistake. I just signed up to the gym with direct debit for an unknown amount of time. So is that a monthly rolling contract or not?

Share this post


Link to post
Share on other sites

Hi Summoner, 

 

You said above that Harlands already accepted your cancellation so I assume it was not a 12 month minimum agreement. If it was a 12 month agreement, the monthly fee would have been more like £10 or £11 monthly.

 

Send the letter above and see how they respond.

 

Even if it WAS a 12 month agreement, you were entitled to cancel based on the change of address from your Uni to your home address.

 

Post the letter and let us know their reply ........


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 !:-)

Share this post


Link to post
Share on other sites

Hi Slick,

 

Thanks for clarifying that Slick you are correct. It wasn't a 12 month deal or anything. Thanks for all the help i will be sure to post the letter and let you know how it unfolds. 

Share this post


Link to post
Share on other sites

Hi guys,

 

I've posted the letter so i'll let you know how i get on. Thankyou for all the help i do appreciate it. I was just a bit annoyed at CRS and Harlands. All your other forum posts are very helpful.

Share this post


Link to post
Share on other sites

Hi just an update,

 

On the 23rd of August i received a text message saying to please call CRS and also saying they sent a letter. What should i do just carry on ignoring them?

Share this post


Link to post
Share on other sites

ofcourse


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 

 

Share this post


Link to post
Share on other sites

Hi just got an email from them,

 

Should i be worried or not?

 

Here's a screenshot: 

Share this post


Link to post
Share on other sites

Upload removed identifiable details still showing......please redact fully before uploading.


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

Share this post


Link to post
Share on other sites

No you block and bounce all emails

Read a few 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 

 

Share this post


Link to post
Share on other sites

Contact from Harlands/CRS by letter, email or msg is nothing to worry about  - ignore it all.

 

Just keep us posted but, more importantly, read other threads to learn for yourself how Harlands/CRS try to scare folk.

 

 


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 !:-)

Share this post


Link to post
Share on other sites

Alright thanks for the help everyone!

 

It does look scary when you read it but i'll have a read through the forums. Just checking everything is normal.

Share this post


Link to post
Share on other sites

Hi everyone,

 

I have another query.

 

I've been sent another email from crs claiming they are passing on my balance to Zinc Group Ltd in 10 days.

 

Should i be worried? 

 

Thanks

Share this post


Link to post
Share on other sites

so you've not been reading other like threads here in this very same forum since last month?

 

nor post 7 above

nor post 8 above

best you atleast re read your thread from post 1 again.

if you don't do anything else to self help...

 

 


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 

 

Share this post


Link to post
Share on other sites

As DX says, there are so many other threads here about Harlands/CRS.

 

Please read around and you see how little folk should worry about Zinc.

 

😎


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 !:-)

Share this post


Link to post
Share on other sites

I'm sorry i just don't really know how to navigate this website. It is quite an old layout. 

Share this post


Link to post
Share on other sites

Well youve been here 2 mths now

everyone else manages too

click gyms and health clubs at the very top

and read a few topics by others that you see


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 

 

Share this post


Link to post
Share on other sites

Hi Summoner,

 

Use the SEARCH bar (top right at the top of the page) and type in ZINC.

 

You'll see many threads where we've told folk not to worry about Zinc at all, ignore them completely and they'll send the case back to Harlands/CRS.

 

I'm not sure if the site layout is old but all the info you need is 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 !:-)

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...