Hi Slick, I received[ATTACH=CONFIG]54210[/ATTACH] a response from CRS, after I sent the letter you suggested to Harlands. I rang CRS and the person on the phone said that they would call me back. Although I rang at 4:30 and they closed at 5.

Hi Slick, I think that letter is the best way forward as I would prefer to set up a DD rather than cash up front, hopefully Harlands agree to the letter! However if Harlands do not accept my offer, do you think cash upfront would be a good option? Thanks for the template I am going to print out and send it off tomorrow, I will let you know what Harlands say!

Hi Slick, Sorry my fault I didn't make it clear, the gym I am planning on rejoining is the exact same one as where I cancelled my DD in March this year. This is the reason I am worried paying up front in cash and why I don't think another DD will be possible. On another note CRS e-mailed me today with the following "Dear Mr Re: CRS Ref No: ******** / Fitness For Life Ref No: ******** Your account has recently been handed back to us from the Zinc Group. We are willing to find an acceptable solution to your account, which would include a reduction to your balance, if you're in a position to settle within the next 14 days. It would also allow you access again to the gym. Please call us on 01444 449165 so we can understand your situation and find a suitable resolution for you. Yours sincerely, Rob Avery Collections Manager Credit Resolution Services and CRS are trading styles of Harlands Services Ltd. Registered Office: : 2nd Floor, Rockwood House, 9 - 17 Perrymount Road, Haywards Heath RH16 3TW. Company Registration No. 2982925. Consumer Credit License No. 526513. VAT Registration No. 799 7113 70. Authorised and Regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (amended 2006). IMPORTANT This e-mail is intended solely for the addressee, is strictly confidential and may also be legally privileged. If you are not the addressee please do not read, print, re-transmit, store or act in reliance on it or any attachments. Instead, please e-mail it back to the sender and then immediately permanently delete it. Although efforts will have been made to ensure that this e-mail and any attachment(s) are free from software viruses you should yourself ensure that they are in fact virus-free. Please note that Harlands Services Ltd does not accept any responsibility for any loss caused by software viruses. I think the best way to forward is to just ignore this? As I did with their letters.

Hi, I'm not quite sure what the admin is, but I asked if Harlands run the admin for the gym and the person said that Harlands only do the DD but the gym do the admin. I'm assuming now that the DD is the admin. I think the gym you may of contacted that was being run by MCA was possibly a different one, as Fitness for Life is a local one in Rochdale. Also I was worried that Harlands may start hassling me again as it is the same gym where I cancelled my DD a few months ago. Again, thanks for your help Slick much appreciated!

Hi Slick, I contacted the gym regarding who runs the Admin side of things. They go that part is actually run by themselves and Harlands only do the DD stuff. Harlands are still involved with the DD stuff as they was when I cancelled my membership from the gym a few months ago. So I think that best option to join the gym would be cash upfront, as they said Harlands will not be involved with that.

Hi, The gym is called "Fitness for Life" and is a local one, however I am unsure if Harlands run the admin for the gym. I will read the T&C's carefully to see what the conditions are regarding a refund before paying up front. One thing I was concerned about is that the gym may take my money later down the line and say that it is used for when I cancelled my membership. I could set up a DD using a family members DD as the gym allows this and I don't think Harlands will try to take the money from another persons DD?

Hi, It has been over a month and I have had no contact from Harlands, CRS or Zinc. Therefore I was considering joining my previous gym where I cancelled the DD as it is really close by. The gym never contacted me after I cancelled my DD, so I'm assuming it may not be an issue joining again. However, the only payment options there are DD (which I'd prefer not to do again) or payment in cash for the whole year. I'm just curious as to whether there could be any issues in the future if I join the gym again and pay in cash. I know this is not a usual question on here, but any advice will be helpful!

Hi Slick, Thanks for the template e-mail I sent it to Zinc, I will aware you if they respond to it.

Thanks for the advice, I will bear this in mind if they call again and will tell them to contact me via e-mail or letter. Zinc e-mailed me once 4 days ago with the following; "Dear Mr, I am now your allocated Customer Account Manager and have been assigned your CRS on behalf of Fitness For Life account (Zinc Reference 2106946.) Please can I ask that you call me on 0141 301 1055, visit WeWantToSayYes. to update your account or email me by return to confirm receipt of this message, I am here to help you so please don't hesitate to ask if you need anything. Many thanks, Maria Crawford" I ignored the e-mail and didn't ring, this is why I'm assuming they contacted me today.

Hi Slick, I have received a few letters from CRS, one of them was threatening to pass the account i apparently owe to Zinc Group LTD. I decided to ignore the letters from CRS, however today I received a call from Zinc stating that I owe this debt to Harlands. I explained to them the reason for cancelling the DD however they go it still must be paid. Are Zinc Group LTD pretending to be just another DCA? Any advice will be greatly appreciated.

[ATTACH=CONFIG]51116[/ATTACH]Hi Slick, After sending the letter to Harlands which you posted above, since then they have not sent me anymore letters. However yesterday, I received a letter from the Credit Resolution Services (CRS) stating that I owe the gym £427.04 (£113.04 of which is some fees, I'm assuming they are admin fees). Any advice on what I should do? As I am unsure who this company are and if I have to pay this debt. I have attached the letter which I received. Thanks in advance for your help. [ATTACH]51116[/ATTACH]

Hi slick, Thanks for that link I managed to convert the letter to pdf along with another letter I received today. Yes I managed to get the £47 refunded back from my bank, thanks for the advice! I told the bank what you said and had the money refunded the same day.[ATTACH=CONFIG]49867[/ATTACH]

Hi, I sent the letter to Harlands which Slick kindly wrote out for me. I have a attached the letter which Harlands sent me as a response to the letter I sent. I don't think Harlands will waive this admin fee, I think I may have to cancel the direct debit. I would really appreciate any advice on how I should respond to Harlands. EDIT : the attachment image is too small and I can't embed a link from imgur as I don't have 10 posts

Hi slick thanks for your help. I went to the bank today and claimed back the money which Harlands took. I now need to send the letter above which you have wrote, although I was wondering if I should send the letter to Harlands or just e-mail them. As they have provided me with an e-mail address at the bottom of the letter which they sent. ([email protected])

Hi Slick thanks for your reply. I posted this thread too late as I checked my bank account in the morning, unfortunately Harlands have already taken out £47 (£22 + £25 admin fee.) Is there any way I can claim this back?