Jump to content


  • Tweets

  • Posts

    • I have had so much help on here in the past with Halifax and Paragon. After my win in court last october with Paragon they sold the debt to Mars Capital. I haven't had much to do with them yet but i know they are a vulture fund, they buy these loans at a cost. I want rid of it. The original loan was £35 k and paid in multiple payments to people i owed money to and some to me. Ive had high levels of arrears for at least 10 years i think . Are they adding interest to my arrears? does it go on balance - it says i now owe £54 k when i have been paying since 2007. I have high levels of chargers on there which i need to add up and ask to be deducted. If i worked out how much i had paid and offered them £12k or less are they no likely at all to take it or will they still expect £54k.  I want to offer a lump sum to get rid of it this year but there are so many issues with this loan - i SAR them back when paragon had it but i don't want to rock the boat - but if they don't have the credit agreement do courts still view this as unenforceable ??? should mars keep to the same rate that the original lender took loan out for??  I have threads on here going back years - the loan was with Advantage then to ADV2 then paragon now Mars Capital , a company called loan makers sorted out the secured loan - they were not paid by myself the fee was put on the mortgage / loan i think
    • Can I just leave it as saved and not submit or do I need to delete everything?
    • don't file yet not needed till/by 4pm tomorrow   let andyorch check things over 1st    
    • well the claim is stayed so don't panic for now.   is this the ONLY payment made and how did capquest get this out of you? by phone?   explain what caused you to make the payment and how you did it please   dx                
    • Lovely stuff.    1.The claim is for the sum of £882.53 due by the Defendant under the CCA 1974 for a Shop Direct account with the account ref of ********************    2.The Defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the CCA 1974 which has not been complied with.   3.The debt was legally assigned to the claimant on 08/01/18, notice of which has been given to the defendant.   4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £70.60 - The claimant claims the sum of £953.13   #####Defence######   The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. Paragraph 1 is denied. Whilst it is admitted I have held various catalogue agreements in the past, I have no recollection of ever entering into an agreement with Shop Direct and do not recognise the specific account number or recollect any outstanding debt and have therefore requested clarification by way of a CPR 31.14 and section 78 request pursuant to The Consumer Credit Act 1974.   2. Paragraph 2 is denied I have not been served with a Default Notice pursuant to sec87(1) the Consumer Credit Act 1974.   3. Paragraph 3 is denied. I am unaware of a legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1)   4. On receipt of this claim form I, the Defendant, sent a request by way of a section 78 pursuant to the Consumer Credit Act 1974, for a copy of the agreement, the Claimant has yet to comply and remains in default of the said request.   5. A further request made via CPR 31.14 to the claimant’s solicitor, requesting disclosure of documents on which the Claimant is basing their claim. The claimant has not complied.   6. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 87(1) of the Consumer Credit Act 1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim   7. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   I will get this put into the defence section. Thank you again.
  • 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...