Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Sean W Novitiate

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    Angry Esporta Membership

    Hello,
    I have a problem with Esporta. I signed a contract with them in June 2005 and only attended the gym for three months. Each month i paid £63 membership. I then accepted that i had got myself into a mess financially and was un able to keep payments up. I was unbale to use the from September onwards and i kept no contact with them as i was keeping my head in the sandicon!
    About two months ago i recieved a letter from a debt collectorsicon asking for the remianing £591 on the account.
    Obviously as i only attended for three months i felt this to be a little harsh. I have contacted them and asked for them to give me a fair settlement fee which they refuse to do. I have made a payment of £100 bringing it to £491. In total i have paid them £289. Not bad fro three months!
    I have sent a letter to the head office asking them to write the debt off but just got a standard letter back saying " Tough Luck, we want our money".
    I know i signed terms and conditionsicon agreeing to the contract and its length but i think £780(which is the final combined total) is a bit steep for three months use.

    Just wondering if there is anybody else out there with a bit of experience in this sort of matter that can offer me any advice.

    Cheers,
    Sean Whittaker

    Similar Threads:

  2. #2
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    Default Re: Esporta Membership

    hi sean try some of the template letters in the debt and baliffs section follow this thread
    http://www.consumeractiongroup.co.uk...templates.html
    and start a thread in this section too they have a lot of knowledge of that sort of thing there
    best of luck

    SETTLED CASES
    LTSB (CC) £20 21-8-06
    HSBC (CC) £600 19-10-06
    HSBC (Ac) No.1 £1900 25-10-06
    RBS (CC) £900 25-10-06
    Smile (Ac) £1300 17-11-06
    A&L (Ac) No.1 £400 23-11-06
    A&L (Mortgage ERC) £3900 4-12-06
    LTSB (Ac) £200 13-12-06
    A&L (Ac) No.2 £120 19-12-06
    HSBC (Ac) No.2 £650 29-12-06
    LTSB (Business) £1700 13-2-07
    RBS (Ac) £4500 + Default Removal 17-3-07
    Barclays (Bus) Warrant of Execution 10-3-07 not used yet
    ONGOING CASES
    Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour
    Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07
    HSBC (CC) have failed to produce Credit Agreement
    TO DO CASES
    Egg (Loan)
    LTSB (Ac Ltd Company)
    LTSB (Loan)

  3. #3
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    Default Re: Esporta Membership

    Hey,

    Firts of all a big thank you to Countrybake for your reply.

    I had a look at the letters you attcahed to me and used them. To be fair i had just about given up when i offered Esporta a token offer of £100 for Full and finalicon settlemant of the account and they accepted. Taking into account the fact that i had already paid £289 plus the latest £100 to them they still did ok out of me. The people who dealt with me did very little other than send standard letters. In my last letter i explained that i was near personal bankrupcy and if they did not accept the offer i would set up a direct debiticon for £5 per month. They have decided not to take a risk on me and accept. I also offered them a copy of my personal budget sheet which i think helps let them know that you do have money problems and have some sort of organisation or system in place for all bills.

    Many Thanks

    Sean W


  4. #4
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    Default Re: Esporta Membership

    Good for you

    If this has been useful to you, please click on the scales at bottom left of post. Thanks.

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  5. #5
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    Default Re: Esporta Membership

    thats it get on top of it before it gets on top of you
    well sorted

    sean did you not start your own thread in the debt section their are a lot of experienced people there that know thier stuff with law and they may advise how you could claim something back

    SETTLED CASES
    LTSB (CC) £20 21-8-06
    HSBC (CC) £600 19-10-06
    HSBC (Ac) No.1 £1900 25-10-06
    RBS (CC) £900 25-10-06
    Smile (Ac) £1300 17-11-06
    A&L (Ac) No.1 £400 23-11-06
    A&L (Mortgage ERC) £3900 4-12-06
    LTSB (Ac) £200 13-12-06
    A&L (Ac) No.2 £120 19-12-06
    HSBC (Ac) No.2 £650 29-12-06
    LTSB (Business) £1700 13-2-07
    RBS (Ac) £4500 + Default Removal 17-3-07
    Barclays (Bus) Warrant of Execution 10-3-07 not used yet
    ONGOING CASES
    Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour
    Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07
    HSBC (CC) have failed to produce Credit Agreement
    TO DO CASES
    Egg (Loan)
    LTSB (Ac Ltd Company)
    LTSB (Loan)

  6. #6
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    Default Re: Esporta Membership

    Cheers,
    To be honest i am just about finding my feet with the whole site. I will now go and find the debt section.

    Thanks again.



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE