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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
    • I look forward to hearing from a member of the team 
    • Hi Selrahc and welcome to CAG   Please be in no hurry to contact X4Less, Harlands or CRS - they can do nothing for now.   Before you do anything, we need more info. Please confirm :-   1. Approx date you joined.   2. Were you told it was a rolling monthly m/ship by a staff member, or a longer minimum contract.   You have no need to reply to any demand from Harlands/CRS so ignore them for now.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Today Is The day


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Guys & Girls

 

Today is deadline day, at midnight tonight I win my case by default, I will phone MCOL first thing tomorrow morning to see if they have received any paperwork from Eversheds LLP (Cos I certainly havent received anything from the court or the solicitors), so I will use the automated process on MCOL and see what happens, wish me luck!!!!:-)

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Dont count your chickens just yet.

 

The banks are well known for putting in a defence at the very last minute and the Courts have, in the past, even given them an additional day over and above the 28 that they are allowed.

 

So I would wait another couple of days and then if nothing is received give the Court a ring to see what has happened.

PPMAN159

 

If this comment has helped please click on the scales.

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Guys & Girls

 

Today is deadline day, at midnight tonight I win my case by default, I will phone MCOL first thing tomorrow morning to see if they have received any paperwork from Eversheds LLP (Cos I certainly havent received anything from the court or the solicitors), so I will use the automated process on MCOL and see what happens, wish me luck!!!!:-)

 

Nationwide have reached the 14 days from the date of issue to aknowledge or file a defence. I have heard nothing so first thing this morning I have requested judgement by default. If it so happens that they have put in a defence at the last minute then they only have another 14 days anyway.

I don't see the point in waiting

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Nationwide have reached the 14 days from the date of issue to aknowledge or file a defence. I have heard nothing so first thing this morning I have requested judgement by default. If it so happens that they have put in a defence at the last minute then they only have another 14 days anyway.

I don't see the point in waiting

U may like to follow the progress of DISCO-DOLLY...

http://www.consumeractiongroup.co.uk/forum/nationwide/97774-disco_dolly-nationwide-help-court.html

...It appears that U will be shortly following her footsteps cos of your impetuosity?!

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Hello hillsymcmlxxvi!

Ive just checked MCOL, and now they have filed a defence, somebody help, i dont know what to do anymore!!!!!!
U don't have to do anything until the Court sends U a copy of Nationwide's Defence + also an Allocation Questionaire.

The following link will help guide U in the Court process...

The defendant disputes all or part of my claim

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Hey Hillsy, be a little more patient. Quite a few have had defence lodged at the last minute, mine & a couple of others were the very end of May. Some jumped up & down, in the past some have not followed advice & tried to get a judgement by default too early (which only delays the process, quite the reverse of what they were trying to achieve) & others waited, most have been paid though.

You will get your money back if you plan to end up in court, so do it & pass the time productively.

The two weeks since the NW filed defence have been taxing, but when I took my £30 out tonight (having been returned this afternoon) & bought my darling wife a bottle of Bollinger I had the biggest smile on my face for ages.

Thanks

Will keep U updated ref Barclays & am going to try RBS from 6+ years, wish me luck.

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In may case with Nationwide, they filed a defence one week and then within 14 days they paid my claim in full.

 

So hang on in there for a wee bit longer

PPMAN159

 

If this comment has helped please click on the scales.

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It is all one big waiting game.

 

While you are waiting, make sure that you have all of your paperwork in order just in case.

PPMAN159

 

If this comment has helped please click on the scales.

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