Hi again Slick and thanks again for your help, It looks I've been very silly not checking what I was signing and taking somebody's word for it. Although I just thought I was joining a gym. Trading standards also seem to be on my side. Anyhow what's the worst case senario here? What are AMSL likely to do to try and retrieve the money from me?Do they still have the power to place defaults on people's credit files or will they have to take it to court? I don't intend on paying either way to be honest. Il make things extremely difficult for them if needs be. Thanks Syko

Hi Slick, The form that I signed states contact 15 in small writing at the bottom right corner. At the time of joining the gym I was not made aware that I was signing a contract and that it was just a direct debit mandate. The alleged contact is for 6 months. I have explained the situation to Ashbourne and also Trading Standards. Ashbourne say I have to pay and the most recent letter, threatens me with a solicitor taking action. I've had previous letters also threatening a serious default. Trading standards have copy's of the direct debit/contract form and also the letters that I've received. They have told me not to pay and that Ashbourne are wrong In what they are doing. I last spoke to the chap I'm dealing with at Trading Standards last week who informed me Ashbourne had ignored his letter that he sent to them, and that he was going to contact them again. To be honest this company seem to ignore the law and hide behind there staff. I find it rather sad that I write a letter to Mr Clayton-Wright and he has to get his wife to telephone me to do his dirty work. Thanks, Syko

Im going through issues with these morons as we speak. I was told I could cancel my gym membership at any time by the gym owner however im now been told by Ashbourne that I could have severe consequences against me like a solicitor recovering the money owed which is 81 pounds or a default. I have contacted Trading Standards who informed me Ashbourne are in the wrong but from what i can gather Ashbourne are ignoring letters to leave me alone at the moment. I find writing to there colections department completely pointless so I have gone about retreiving both Mr&Mrs Clayton-Wrights home address from www.companycheck.co.uk and a little more digging on the internent also gave me their home telephone number. 'Amazing' I have received a phonecall from Mrs Clayton-Wright regarding a letter that I sent to there address, but I refused to talk about the matter on the telephone and asked her to put whatever she has to say in writing, which I am still waiting for. I have tonight tried calling them at there home telephone number to ask where my reply is but Mrs Clayton Wright refused to talk to me as it was not her business line, and sounded shocked to be honest that I had their personal number. Shame Im hoping that contacting them directly I will get some sense eventually.

I have today recieved a letter from Midland Expressway requiring a total of 26.50 from me as i used there toll road on the 09/08/2011. I did use the toll road but it was purley by mistake that i turned onto it as i was lost. I used it for 1/4 of a mile, reached the toll booth where i told the attendant i had no money. I was advised i would get a bill through the post and i must pay it within so many days to avoid extra charges being added. Ive heard nothing untill today. The letter states if i dont pay within 7 days they will take legal proceedings and add court and administration fees ontop of this already crazy bill. Any suggestions on what action i can take. I have no intensions of paying the £26.50 and im prepared to put up a fight against these morons if needs be.

Brilliant that reads better . Il get that in the post tommorow. Thanks very much for your help

I thought they were in the wrong for asking me for more information. Im going to send them the following back. Do you think this will be sufficient or do i need to be more harsh? Dear Mrs J Munro Regarding the recent letter I received from you regarding Wescots unauthorised searches on my credit file. I have no intention on providing you with my previous addresses or any more information on myself. Wescot have searched my file without my permission and this should be on your records from the dates and information i have given. If you cannot provide me with proof or legal reason to search my file i shall be seeking legal advise and also making an official complaint to both Equifax and the Information Commissioners Office. Yours faithfully

I have recently checked my equifax credit report only to find it had been searched by Wescot credit services and marked outstanding debt on 2 occasions in 2008 which is having a negative effect as it is showing to lenders. I wrote a letter to Wescot explaining i no nothing of the alledged debt gave them the dates that they had searched my file and also sent them a cca request . I have today recieved a letter from them which says they can not locate any information on there system and that i need to supply details of previous addresses for them to investigate further. They didnt run the searches at my current address it was my previous but sureley they should be able to find this out on there system. Would it be wise to supply them my previous addresses as i dont even no what the debt is for.

I'm pleased to here you have had the footprints removed. I'm keeping my fingers crossed I get mine removed shortley. I've found this thread very helpfull

I have a small update. I still have not had a reply from equifax however I've been in contact via email with a Rob Sands complience manager at Mackenzie hall. I explained my situation and asked for proof of the so called debt from them. He tryed to fob me off with how I need to contact Lowell and that my account had been closed with them. I simply told him that if Mackenzie was to put a bad mark on my credit file they would need proof of the debt. Obviously they don't have proof because the following email was an apology and to say all footprints were to be removed. Im still not convinced this is going to happen and still feel the need to report them for wasting my time.

It's hard to believe these idiots have our personal information I'm still waiting a reply from equifax but will post here as soon as I do get one

Both:D

Its been six weeks for me without a ciggy . I took the champix for 2 weeks and cant praise them enough:D. I had a few strange dreams but would recommend them to anyone.

Ive had the same happen to me tonight. I checked my report with experian 6 months ago and found out mackenzie hall had been searching my report but they showed up as unrecorded enquirey soft searches so didnt worry about it. However i have payed for my report tonight with equifax to find searches by mackenzie hall are showing up as outstanding debt hard searches (which they arnt) and can be seen by lenders. Ive emailed equifax tonight to see what they have to say.