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citizen86

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About citizen86

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  1. No response yet, is this normal? I sent a letter to them on the same week of your response.
  2. Got a letter on 23rd from Spratt Endicott solicitors. So they skipped handing it off to an external debt collection agency. Contents of letter: Failure to reply in 7 days may result in legal proceedings unless I contact to discuss repayment proposals. Any claim in proceedings will include additional costs payable by you. If Judgement is obtained will remain on your credit file for 6 years. Please contact us to come to an arrangement that is affordable / sustainable with your financial circumstances. If you require free financial assistance or legal advice contact the Citizens Advice Bureau or Step Change on ...
  3. I think CRS have given up. I haven't received a txt from them since 11th September. No new letters in the 2 weeks. Unless they have passed this to the Zinc Group and they are taking their time to get back to me.
  4. They have my brothers address, letters get passed to me on a weekly basis so I do get to see them eventually.
  5. Update: More letters, more phone calls all which I am ignoring as of now. I started ignoring them after a letter which say that if I respond with repeating my attention not to pay they will move forward. At that point I decided not to waste my time to responding when their action will be the same. New letter that has been forwarded to me a week later, covers their passing of my "debt" to the Zinc Group. Should I even bother responding to this as their outcome is going to be the same? They finish the letter with a nice "call us" instead of the usual call us now or else.
  6. Hi Slick, I only ever picked up 1 call from CRS and I told them to not call me as I am communicating only via letter which they agreed to on the phone. They then tried to "confirm details with me on the phone" which I replied to I am getting your letters and your phone calls and you know who I am. I have no need to confirm any details, goodbye" and I then hung up. I also sent them a txt to 07872 049558 on 26 June at 11:26 after they txted me to call them and acknowledging they received my letter in the text. The txt said the following: "I wrote a letter can you reply via the same method of communication so I have documentation." They never sent me a txt from that number again. Received 8 calls, I have been contacted 20 times via phone if you also include txts from atleast 7 different numbers. This is excluding withheld number calls which I do not document as I stopped picking up withheld calls altogether. They withheld numbers never left voice mail. They just hangup automatically, they stopped using this tactic in the last 2 months. I don't have proof it was CRS as it generally was an automated service and I hung up after knowing it was either PPI or CRS if I remember correctly. The calls and txt have been occurring since 23rd April. I have not kept a track of how many letters they have sent me but it is a minimum of 4. Here is a complete log: Phone numbers I have proof of being contact by CRS and can provide screenshots from my phone: 0144 4449165 Office 07875 951649 received txts, EE mobile no. 07872 049558 received txts, 02 mobile no. 07718 775264 received txts, 02 mobile no. 07718 775262 received txts, 02 mobile no. 07717 775257 received txts, Vodafone mobile no. 07872 871591 received txts, 02 mobile no. Aug 20/8/15 09:34 01444449165 18/8/15 16:01 07872871591 txt call C R S on .. we sent you a letter a week ago 04/8/15 11:59 01444449165 left voicemail via automated system July 30/7/15 11:45 07717775257 txt thnx for writing, call us 21/7/15 13:33 01444449165 16/7/15 11:01 07718775262 txt: urgent to speak to you today 14/7/15 10:10 01444449165 09/7/15 15:42 07718775257 txt call C R S on .. we sent you a letter a week ago 01/7/15 09:48 01444449165 Jun 29/6/15 11:46 07718775264 txt: thnx for writing, call us 26/6/15 11:16 07872049558 txt thnx for writing call us 18/6/15 13:20 01444449165 16/6/15 10:46 07718775262 txt: thnx for writing call us May 27/5/15 11:44 01444449165 22/5/15 14:31 07875951649 txt: call urgently we need to speak to you 20/5/15 09:44 01444449165 18/5/15 14:31 07875951649 txt: call urgently, we need to speak to you today 06/5/15 10:09 01444449165 Apr 30/4/15 09:40 07872049544 txt: urgent we need to speak to you today 23/4/15 15:30 07891499537 txt: call C R S on .. we sent you a letter a week ago They have sent a few more txts but I have no proof of them as I deleted them.
  7. Who do I log a formal complaint of harassment with? New number today. That's 19 different times they tried to contact me over the phone with 7 different numbers excluding withheld numbers.
  8. Thnx for the info Slick, I do have a few questions: Can the external DCA affect my credit rating? If not then I will ignore them which I assume I will get contacted by Major Law. If they can I assume there are ways to fight that. I assume my grounds of ignoring their charges are good. Can they win in court and if so will the charges be greater? Edit: I found other threads with Major Law but with different gym organisations. They make the request of money and the threat of court but never carry through. Looks like I know what I am doing.
  9. Update: Got a letter sent on the 11th August, sent to the fwding address I provided. I was sent a copy today as I am living temporarily with a friend until I can find a new place with my flatmate who is currently in the US. CRS reponse: Outstanding amount is £207.47 Refer to letter previously, our position remains the same. If I am not willing to to setup payment we have no alternative but to proceed with further action. CRS is going me 7 days. Well thats up. They will continue with their collection procedure if I advice I do not intend to pay. More details on how to pay. What can I expect from their next steps?
  10. Here is a call log I can make that I can tie directly to CRS via take or caller ID in my history. They have called me from private numbers too but I can't really include them as I am not sure which ones are from them: Aug 4/8/15 11:59 01444449165 July 30/7/15 11:45 07717 775257 txt thnx for writing, call us 21/7/15 13:33 01444449165 16/7/15 11:01 07718 775262 txt: urgent to speak to you today 14/7/15 10:10 01444449165 9/7/15 15:42 07718 775257 txt call C R S on .. we sent you a letter a week ago 01/7/15 9:48 01444449165 Jun 29/6/15 11:46 07718775264 txt: thnx for writing, call us 26/6/15 11:16 07872 049558 txt thnx for writing call us 18/6/15 13:20 01444449165 16/6/15 10:46 07718 775262 txt: thnx for writing call us May 27/5/15 11:44 01444449165 22/5/15 14:31 07875 951649 txt: call urgently we need to speak to you 20/5/15 9:44 01444449165 18/5/15 14:31 07875 951649 txt: call urgently, we need to speak to you today 6/5/15 10:09 01444449165 Apr 30/4/15 9:40 07872 049544 txt: urgent we need to speak to you today 23/4/15 15:30 07891 499537 call C R S on .. we sent you a letter a week ago I will include this when lodging a complaint with the 2 online links provided by trading standards.
  11. Ok so I take I should be logging all the calls into a document somewhere from Harlands / CRS? I will not bother responding to them for now. I will see wait another week or two to see if they send anything worthwhile.
  12. Update: Looks like I sent the letter to the wrong CMA? (Competition & Market Authority). There letter says they do not respond to individual complaint/concerns. The letter however points me to contact the citizens advice consumer service. The letter then goes on to mention the Office of Fair Trading (OFT) investigated contracts of fair terms here: https://www.gov.uk/cma-cases/health-and-fitness-clubs-unfair-contract-terms The letter finishes on an apology of not being able to help any further. My local standards authority also points me to the citizens advice consumer helpline as well as able to make a complaint via direct.gov.uk or adviceguide.co.uk CRS have sent me a circular with the "we are disappointed your account is still in arrears..." They are still ringing me. I am half tempted to pick up the phone and tell them that I am recording the conversation and see if that deters them from ringing me any further. I guess my next step is to continue to ignore CRS, contact the citizen advice consumer service?
  13. Westcot is Npower related, seems like they never got my final meter reading from my last flat. I used their automated system so its a bit bizzare. Calling them directly to resolve it. I am currently on forever hold on their financial solutions department. edit: sorted Npower issue, they may owe me money it turns out. They are withdrawing the westcot debt collection. Will update when I hear from Harlands/CRS/Local Trading Stds/CMA
  14. I sent the letters to all 3 on Friday. Unfortunately suffered a delay due to looking for a new place to live.. I got a txt on Friday from Westcot debt collection asking me to give them a ring. They have also begun to ring me today. What should be my response? Whilst I wait for Harlands, CMA, local trading standards to get back to me?
  15. Thnx Slick you are a legend. I will send these letters and update on their response. I an moving flats in the next 2 weeks. I take it is my obligation to pass on my new address? I rather deal with this now then them lose contact with me and track me down a year later or something.
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