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Xercise 4 Less / Harlands / Credit Resolution Services
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I don’t think it’s reasonable, that’s why I suggested you dispute it.
Sound advice but to stop it getting any further, do a Subject Access Request to all three for your personal data. That should show your call and the details of it.
If it does get to a court, and even though there are hoops that these companies insert (unreasonably) into cancellation clauses, judges have the option to use common sense in the matter. But a judge needs to have the evidence (Subject Access Request) in front of him/her.
If the SAR shows the call and confirms the verbal confirmation, tell the debt collector to swivel or take you to court ASAP.Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.
The law is like an ocean - have a swim but don't drown.0 -
TheManOfStraw wrote: »Karonher:
They’ve sent me 5 letters attached to email in my spam folders. Are you telling me their minimum wage employees have incurred £180 in costs for sending 5 identical templated letters ? I reckon it takes 10 minutes to send each email max so are you telling me charging their employees out at £216 is reasonable ? Do they have PHDs ?
I clearly said that it seems a lot to add on so I don't know why you are suggesting I find it reasonable. There will be a legal level of charges that they can make. I doubt they have PhDs but as long as they are charging you what they are legally allowed to then the level of education will be irrelevant.
It's a hard lesson to learn but it seems you have not followed the proper procedure and are being charged for it. You have been told to challenge it if you don't agree so that will be the best way forward. It will be advisable if you cut out the name calling if you do.
I am not sure if you are asking me or soucrates where we work but if it is me I am a Teaching Assistant who works through agencies though I have no idea why that would be relevant.Aiming to make £7,500 online in 20220 -
TheManOfStraw wrote: »sourcrates do you think it's reasonable for a £19.99 to turn into a £200 bill a few months down the line ? I personally feel like i've been abused my big corporations and am sat wondering how they can get away with this ?
Yes I didn't cancel like it says on their website but is it silly of me to ring up a company and ask to cancel my membership. One would make the assumption that's and OK thing to do anyway. I can afford their balance but don't want to pay it out of principal as I feel I've been robbed. Big companies trying to prey on vulnerable again.
Thats where you went wrong. Never assume. Its not reasonable but the fee's are probably in their Ts and Cs somewhere which you signed. No one abused you and you are not vulnerable. Stop being dramatic and speak to the company and sort it out.0 -
No one abused you
I'm going to disagree with that one. The days of "it's in the small print" are over. Have been for many years with the various consumer rights acts.
Replacing it with "it's on the internet" isn't going to fly either.
See unfair terms
https://www.which.co.uk/consumer-rights/advice/i-think-theres-an-unfair-term-in-my-contract-what-can-i-do
If it seems like a scam, and they act like scammers, report them to Trading Standards too - once you have the information.Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.
The law is like an ocean - have a swim but don't drown.0 -
I'm going to disagree with that one. The days of "it's in the small print" are over. Have been for many years with the various consumer rights acts.
Replacing it with "it's on the internet" isn't going to fly either.
See unfair terms
https://www.which.co.uk/consumer-rights/advice/i-think-theres-an-unfair-term-in-my-contract-what-can-i-do
If it seems like a scam, and they act like scammers, report them to Trading Standards too - once you have the information.
I would like to thank you. After referring to unfair terms and requesting a SAR, they have now waived all of the amounts they were demanding. Of all the posters on the thread only you seemed to offer true sound advice without judgement - thank you0
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