Thanks for your reply, i don't really won't to name the gym on the open forum as they are a local gym with only one site. The admin company is called Eazycollect. The m/ship was sold by the gym and the admin company collect the fees each month.

Does a gym need a Consumer Credit License? The reason i ask? My wife joined a local gym and the equipment kept breaking down and not being fixed so she deceided to cancel her contract. She was told that this was not possible and are being quite off about it. I have checked up and the company that administer and collect the payments have a license but the gym itself that sold the membership don't. They claim that they are covered by the finace companies license, is this correct??

If this is the case then you need to let know your financial position.

It might not be a bad idea to send them an Income and Expenditure sheet to show that you are paying what you can afford. Although i am surprised they have not asked for one.

You can send an SAR to any organisation that hold personal data on you. If this loan was taken out in 2006 then i would doubt it is covered by the CCA. What do do you hope to achieve by sending for the data?? Are the charges on the loan??

Sorry what i should have said was send it to the original creditor.

A CCA request should keep them quiet for a while. Also they should not do anything with the account until they have responded to the request.

This is pretty standard behaviour. Are these business loans or consumer loans?

I would also send them an SAR in order to get a full statment of account and look at reclaiming any charges on the account.

So surely the only way to see that would by sar?

What is in the first post is one side of one page. How do you know that there is nothing on the other side?? There could well be more parts to this, as often happens with with credit card agreements.

The problem is these days is that creditors can send virtually any old rubbish in response to a CCA request and still comply with the regulations. The only to get a copy of the agreement that you actaully signed is by SAR.

Did you get this in relation to a CCA request or SAR??

You CANNOT be sent to prision for a consumer debt, this confirmed here. Protocol No. 4 to the Convention for the Protection of Human Rights and Fundamental Freedoms securing certain rights and freedoms other than those already included in the Convention and in the first Protocol thereto Strasbourg, 16.IX.1963 The governments signatory hereto, being members of the Council of Europe, Being resolved to take steps to ensure the collective enforcement of certain rights and freedoms other than those already included in Section I of the Convention for the Protection of Human Rights and Fundamental Freedoms signed at Rome on 4th November 1950 (hereinafter referred to as the .Convention.) and in Articles 1 to 3 of the First Protocol to the Convention, signed at Paris on 20th March 1952, Have agreed as follows: Article 1 . Prohibition of imprisonment for debt No one shall be deprived of his liberty merely on the ground of inability to fulfil a contractual obligation.

They can't just get an Attachment of Earnings Order, it is only a court that can order this. The reallity here is if they took you to court (very unlikley if you are making payments) then the court would set what they thought was a resonable amount for you to pay. Don't be bullied into taking a managed loan they are the worst kind of things to have, i have had two and would never be forced into having another one.

I have never signed a SAR and always got a proper response although i do understand that some companies try to get out of complying by saying that it is not signed. There is nothing in the DPA to say that it has to be signed.

I agree with sending a SAR however this is a request made under the DPA and as such you cannot put the account in dispute if they do not comply fully and send a signed CCA.

It might be a good idea to block out the barcodes on any letters that you post. They may be able to identify you from these.

Sorry i don't have a scanner but her i what it says. Your loan agreement and insurance loan agreement NO: This is a Notice of Default Sums and is given in compiliance with the consumer credit act 1974. Date nature of default sum collection activity £30.00 We request that you pay this without delay. Interest We are not entitled to charge you interest on the default sum for the firt 28 days after we have given you this notice. After that you will be charged the rate of 19.24%

Thanks i understand now.

Hi everybody I have received a notice of default charges from one of my creditors, this is on an unsecured loan. I missed a payment due to christmas and they were in there straight away. My question is what is the difference between this and a normal default notice, as i have never seen one of these before. It says it is required by section 87 of the CCA i have at section 87 and there is no mention of default charges, or is it my copy of the CCA is out of date. Also would they now have to send a normal default notice were i not to sort this out, or not. If anybody could answer this question i would be very grateful. Thanks. Mac.

Just goes to show that there is no length that a DCA won't go to, in order to try to get people to pay what they can't prove. Have these people nothing better to do?

Just pulled this from there website. C.A.R.S Ltd Creditlink Account Recovery Solutions Ltd (CARS) is the final solution for the debt recovery arm of The LinkGroup of Companies.

Link were chasing me. Used to phone at stupid times ie Sunday afternoons and Sunday evening. After a few letters from this great site they seem to have crawled back under there stone.:grin:

I would not do anything, if you can prove that you sent these requests. It is up to the companies now.