Hi,

I've been reading through some of the previous threads with similar issues.

I would appreciate some help with my particular problem if anyone can give me advice?

I joined Fitspace gym on 29/06/2015 and the membership was 12.99 per month.

In around January of 2016 I finally sought help with my debt problems and eventually got a DMP with stepchange.

My bank overdraft was one of the debts included in this so my account was closed and the direct debit to Fitspace was cancelled.

In June of 2016 I received a text message from Zinc saying I needed to contact them with no other details so I ignored it.

Last month I had a similar text message from CRS and another today simply asking me to contact them.

I had a search and realised they must be contacting me about my previous fitspace membership.

I have had no written correspondence from them and I have not yet contacted them.

I assume they have my current address as its the one I used when joining Fitspace.

I'm not sure where to go from here?

Should I write to them asking for them to contact me via letter?

Any advice is much appreciated, thanks for any help!

send the slick132 letter as in numerous threads you've read here

off the one month following the cancellation but no fees

if they accept, pay it, if they don't ignore everyone.

a dca is not a bailiff

Hi BR and welcome to CAG

Ignore Zinc completely for now. They won't bother you for long at all. It's not worth their time as they know Harlands cases are unrewarding to people who know how Harlands operate.

Your case is different to most so I suggest you write to Harlands at their Haywards Heath address. They pretend CRS is a separate DCA but they're one and the same !

Dear Harlands,

I refer to demands from Harlands/CRS and Zinc Group about my Fitspace gym m/ship.

I cancelled my direct debit mandate as part of a DMP through Stepchange because all DD's had to be cancelled.

I should have given 30 days notice to cancel my gym m/ship due to the serious change in my financial situation and inability to pay. So I am now offering to pay a final month's fee of £12.99 to cover the notice period. I will not pay you any administration or cancellation fees - these are penalties that are unlawful and unenforceable.

If you confirm in writing that you will accept the amount of £12.99 in full & final settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any other payment, I will pay you nothing and my offer will be withdrawn.

Yours faithfully,

They're usually too greedy to accept the offer but that's their problem. If they fail to accept within 14 days, ignore them but keep us posted.

Thanks for your reply I will get this sent tomorrow and let you know if I hear back.

Forward any of their silly text messages to 7726 (SPAM) on your phones handset.