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    • A mobile phone mine while I was out watching the football with all the lads.
    • Hi,   Stumbled upon this website and I see the general advice is ignore CRS and that they can't do anything but thought I'd make my own post as I'm still anxious and don't want debt collectors to turn up at my parents home.   Facts: - Joined Xercise4less in June, 2017. I paid £11.99/m - Finished uni in July 2019, so I wanted to cancel membership as I was moving back home and the closest X4less gym would be 50miles away.  - I initially put in a freeze request (thinking it's to cancel). When I told my friend he said I need to fill in a different form to cancel the contract. - I was confused so I confirmed this with someone working at the gym. They explained even though my 12m contract has finished, in order to cancel the contract I would have to give 30 days notice using a form online and cancel my DD. - So I completed this online form that same week and canceled my DD a few days later.   * Fast-forward to 20th January 2020 *   - Received a letter (to my parents address) from CSR yesterday (20th). Asking me to pay £213.47 including their fee of £102.50. - I was at work when my parents send a pic of letter. Return address said HGC - a quick google search shows them as Hutchison Global Communications aka Three.  - What did I do next?  Since I didn't have the letter in front of me I asked my parents for the number & reference on the letter. - Then stupidly called CRS thinking its Three and it's regarding my recently cancelled phone contract.   What I told CRS on the phone: - When I found out it was about my cancelled gym contract I explained in detail several times how I correctly cancelled my contract back in July 2019 and I will not be paying the outstanding amount. I didn't even use the gym. I did say I may be open to paying the monthly fee. - Advisor said Harland got my freeze request but nothing else, no proof = you must pay or they will continue to purse me. He also said outstanding amount is not negotiable and me not using the gym is irrelevant. - I asked for Harlands contact details, CRS refused to give it to me because Harlands will not discuss this matter with me.   After 15mins of going around in circles, me explaining what happened and advisor saying I must pay, I finally I said I am not in the wrong here. I filled the form correctly, and it said 'submitted. If their system didn't receive my request it is not my fault and I cannot be held accountable for an error on their part. So I don't agree with the charges and will not pay it and ended the call.   Other info: - CRS said the charge of £213.47 is for membership from October 2019 - Dec 2019 + late fees + CRS fees. - Told the advisor I no longer live at the address they sent the letter to. He asked for new address and I refused to give this out, so they will add an additional £36ish for tracing my new address. - Apparently they sent several letter to my old address but I know they didn't because I still have friends living at that address who would have told me if anything addressed to me came through. - I believe the system didn't acknowledge my cancellation request since a freeze request was in place but that doesn't mean I owe them any money and definitely not £213.47.       Thanks in advance!      
    • Here are the above letters vanquis.compressed.pdf
    • This got me thinking. There are only 4 parking bays on the site. They charge 50p for 1 hour, £1.00 for 2 hours, £1.50 for  3 hours and £2.00 for 24 hours. Yes, £2 for 24 hours! How is this site profitable? Do parking companies run these types of sites with a business model that is focussed more on issuing PCNs that intimidate motorists who lack knowledge of the law into paying up?
    • Hearing of Boris' problems ringing Big Ben,  Jeremy K. Hunt; in an effort to ingratiate his way back into government; offered his services ....         He said he would offer to run the injured parties to hospital, as long as they had medical insurance  
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Ruby_Tuesday

ESA-UC repaying loan

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Hi everyone, I am here doing this for my mum as we are baffled.  There was a crossover from esa to uc when we moved home, the esa wasn't cancelled until after the uc was in process.  The over payment of esa was taken from the first uc payment. That was fine.  The advance uc payment is coming off monthly, fine.

 

There was a esa budget loan remaining and it was arranged with debt management over the phone to pay an agreed amount monthly, fine.  In September mum had a letter as her 6 month agreement was nearing its end and they wanted to speak with her about the balance, I sat with her while she was on the phone with loudspeaker and we asked them to take the last £168 in 3 payments sept/oct/nov.  Fine.  We have just seen her November payment on uc and its for £10 extra to the £168.  No letters have arrived.  It just seems odd.  There should be no more payments now for that but whats worrying her is the esa overpayment was taken in her first uc, and it shows on her statement but the debt management couldn't see it before and thought uc maybe hadn't sent it over.  Dread ringing any of them tbh.

Is it usual for the overpayments not to be sent over to esa?

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Sounds like an error if they have taken a deduction of £178, when they have already had the overlapping ESA/UC amount from the first statement.  Maximum deduction amount is now 30% of standard allowance, with the only exceptions being if current water or energy bills are being paid via a U.C deduction

 

Best course of action is for your Mum to raise a complaint, either by phone to UC or there is a complaints section on the DWP website. If a complaint is not made, it is possible that you your Mum is going to passed back and forward between UC and Debt Management.  At least with a complaint, it will be looked into properly and any error will be corrected.

 


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I may not have explained this clearly...the overlap of esa and uc was paid in the first uc payment, that was £199. This is the payment that the debt management team couldn't see on their system, but its shown as paid on mums statement.

 

A separate outstanding amount of £288 was for an esa budget loan, mum spoke with the dwp debt management team when they wrote to her, they agreed £30 per month, mum paid a total of £120 over may june and july and august  the 6 month period ended in October, so to make sure, we rang them to see what they would be taking, it was agreed then that they could take £56 in sept oct and nov. …. sept and oct were fine but this months payment is showing £66.13, which was the original amount they were going to take until we rang and got it reduced to £30.  Mum just thought pay three at £56 and that will be finished.  just seems odd the amount, I was of the impression the last 3 payments were set up automatically so why the last one is different jusr doesn't add up.

Edited by Ruby_Tuesday
missed out something

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It apparently takes at least 2 weeks, before any UC deduction appears on the Debt Management systems.

 

Why an extra £10 has been taken, your Mum will have to ask Debt Management what is currently showing on her records, to see  if there is any reason.  The Debt Management telephone number will be shown  the UC statements next to the deduction.

 

 


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

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Thank you unclebulgaria I will sit with her tomorrow until we get through.

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Just to update unclebulgaria67, I sat with mum this morning and managed to get through to the dwp debt management office, spoke to a lovely lady who was so helpful.  She is going to wait for the payment to be sent to them via UC, which is at the same time as mums payment is released, so she expects it to go through during the night of mums pay date, then she will refund to mums bank any overpayment.  She is going to try and get it changed before mums pay date but its only a few days away and she can't say for definite, its not really a problem as it will only take a few hours any way.

They were baffled why the last payment was higher, as that wasn't what they had on their info, they had the same as we did, bit of a mystery, but at least its going to be made right.

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