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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Ed Bracher

Xercise4less/Harlands/CRS (again by the looks of things!)

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Hi everyone,

 

I am currently getting persistent texts and emails from CRS. Situation is as follows.

 

Started membership in July 2018

12 month minimum term

Cancelled DD in June 2019 after payment so full 12 months paid for (no reply to cancellation email address).

 

CRS are now pursuing me for 3 months of membership + £25 per month + CRS fee.

They have agreed to waive their fee if I pay the 3 months additional fees.

 

I told them over the phone I did not intend to pay as after trying to cancel via the email address they provided I had no reply from them, hence the cancellation of my DD.

 

I understand CRS are in fact Harlands under a different company name.  

 

Any advice on how to proceed would be really appreciated :) 

 

They have now sent me the letter saying they may pass to a debt collection agency or take legal action.

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a dca is not a bailiff and have zero legal powers to do or charge anything on any debt.

gyms have not done court since 2012 when one badly lost.

never ever use the phone or email on any debts 

block bounce ignore all emails and phonecalls or texts.

 

did you allow one further dd payment following the sending of your cancellation by whatever method?

 

 


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No I just cancelled the DD after completing a 12 month contract.  They did receive the entire 12 months of payments.

 

If I ignore everything what will be the next step? Small claims court or selling the debt to a real collection agency?

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use a slick132 letter offer 1 additional membership payment but no unlawful fees.

 

as for the rest..there is no such thing as a real DCA..they are all the same powerless

and again

what did I say about court?

 

 

 

 


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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Yup, use one of my drafts to offer Harlands  the1 month's fee  you should have paid for the notice period.

 

Post it and get a free Cert of Posting from the PO.demand more

 

When they fail to accept the offer within 14 days or they demand more, ignore them.

 

You seem to have done some research here so you should know that Harlands simply don't do court and this will not affect you credit or anything else.


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This will be ok for you to offer the final 1 month's fee you should have paid :-

 

Dear Harlands,

 

I refer to my membership at [town/city] gym.

 

The DD mandate was cancelled after the June 2019 payment was made and this was notice of my intent to cancel the gym membership.

 

I now realise I should have left the DD Mandate open to pay a final month's fee for the notice period.

 

Please confirm your bank payment details and a reference so I can pay you the £xx.xx to end this matter. I will not pay any admin fees added by Harlands. I will only deal with this matter in writing, not by phone.

 

My offer is valid for 14 days only and will be withdrawn if you demand any higher amount.

 

Yours sincerely,

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We could do with some help from you

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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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That’s amazing thank you. Il post this and see what happens.

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Hi Ed,

 

They're too greedy to accept your offer so, when they demand more, you can ignore them.

 

While you await their reply, read other threads for reassurance on how other cases pan out .............

 

Keep us posted.


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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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