Hi dx100uk, Thanks for your post, I haven't got a solicitor yet shall I approach one? And what is the CPR to send solicitor? Also what is FCA? Does this stand me in good stead if they are not on this? Cheers!!

Name of the Claimant ? CREDIT LIMITS INTERNATIONAL Date of issue – 11 SEPTEMBER 2020 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.THE CLAIMANTS CLAIM IS FOR PROFESSIONAL CHARGES FOR A VISA APPLICATION CARRIED OUT BY THE FORMER CREDITOR DONGARA MARINE PTY LTD. 2.BY A DEED OF ASSIGNMENT DATED 21ST JULY 2020 THE CLAIM WAS ASSIGNED TO THE CLAIMANT 3.THE CLAIMANT CLAIMS INTEREST UNDER SECTION 69 OF THE COUNTY COURTS ACT 1984 AT THE RATE OF 8% A YEAR FROM 26/03/2019 TO 10/09/2020 ON £8,046.45 AND ALSO INTEREST AT THE SAME RATE UP TO THE DATE OF JUDGEMENT OR EARLIER PAYMENT AT A DAILY RATE OF £1.76. What is the total value of the claim? £9398.21 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes think we received something through the post regarding a pre notice. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? NO When did you enter into the original agreement before or after April 2007 ? AFTER - BUT NOT AGREEMENT THIS WAS JUST EMAILS BETWEEN EACH OTHER. Do you recall how you entered into the agreement...On line /In branch/By post ? VIA EMAIL - BUT THEY WAS NOTHING SIGNED ON MY BEHALF. Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? NO. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. THE DEBT PURCHASER. Were you aware the account had been assigned – did you receive a Notice of Assignment? YES. Did you receive a Default Notice from the original creditor? I RECEIVED INVOICES VIA EMAIL FOR OUTSTANDING BALANCE. Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? JUST LETTERS FROM CLI STATING OUTSTANDING BALANCE THAT NEEDS TO BE PAID. Why did you cease payments?I HAVE NEVER MADE PAYMENTS AND THE AGREEMENT VIA EMAIL WAS WHEN I STARTED WORK IN AUSTRALIA THAT I WOULD HAVE THE MONEY TAKEN STRAIGHT OUT OF MY WEEKLY SALARY. I HAVE NOT STARTED WORKING FOR THE COMPANY AND DIDN'T PURSUE THE VISA AS I WENT YO VISIT THE COMPANY AND THE JOB WASN'T WHAT IT WAS MADE UP TO BE. What was the date of your last payment? NEVER PAID Was there a dispute with the original creditor that remains unresolved? YES I SUPPOSE SO AS THEY HAVE PASSED THIS ONTO CLI. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? N/A I hope this is all that is needed. I will now send a CCA request to CLI. I am just filling in the CCA request and for the ref: 77 - Fixed Loans 78 - Credit Cards & Catalogues 79 - HP Agreements. Mine are neither of these, any suggestions what to put here please? Thanks in advance.

Hi guys, First if all, thanks to slick & dx100uk for reopening this thread. So CLI have been sending letters out consistently for over a year now but I have just been ignoring these threats and nothing has materialised just like you guys said originally when I posted on here. Yesterday I received a pack that states a claim form for the county court business centre? I have attached an image of this pack. I am not sure if it's legit as CLI have sent so much through the post saying they are coming to my door etc etc and nothing has actually materialised so just checking what my next steps are please guys. Thanks in advance.

Hi guys, Just received another letter today from CLI stating that the client has instructed CLI to proceed through the courts in order to collect the debt unless I pay them within 7 days (even thought I haven't signed for this outstanding money and the agreement was I would pay it back once I started working for the company). What are my next steps : /

Hi dx100uk, Thanks for the advice.

Hi unclebulgaria, Thanks for this information and advice. Maybe I will email the company stating what you have said, that way I haven't been ignoring them. Thanks again for the info and advice.

Thanks for the advice unclebulgaria, The thread of emails only states that I will pay the visa money once I start work and that it would come out of my weekly salary. How does that stand in court as I didn't start the job?

Hi dx100uk, Thanks for reply, I have had a look at the other links regarding CLI. I will just keep ignoring. Hopefully nobody comes knocking on my door.

Hi unclebulgaria, Thanks for the response, I will continue to ignore CLI, the only agreement I had with the company was that I would pay the money back when I started work and it would come out from my weekly salary. Obviously I never started work for the employer in Australia and I never signed any agreement regarding paying the visa money back.

Hi any advice would be much appreciated. I got offered a job in Australia from the UK. the deal was they paid for my visa upfront and when I got to Australia and started work I would pay them back out of my salary weekly. I didn't even sign any contract regarding this. I went to visit the company in Australia on a recce before I packed up my belongings and family consisting of 3 children all under 5. When I got there the job wasn't the job that I was told and the manager was an idiot. When I returned home I emailed the company explaining I won't be taking the job offer or the visa. They have told me I owe them £8500. have ignored them as I didn't sign anything regarding paying this back. The Australian company have now passed on my details onto a debt collector in the UK called Credits Limits International (CLI) Is this not breaching GDPR? They keep sending me letters that I keep ignoring, now I am on my final notice with interest adding each time? Today 10/08/19 I have received a letter stating that as they haven't heard from me they are going to carry out a doorstep visit!! Any of you advice would be much appreciated. Regards, Ginni

Oh great.. Thanks for the information. Il keep you updated. Thanks for all the support through this. Cheers ginni

Hi guys.. Still getting harassed by CRS daily phone calls even tgough I've sent them the phone harassment letter. Also letters now and then saying they want the balance settling, I've ignored them all. Today I've had a letter off harlands saying I've got 10days to settle the balance or my account is being passed to zinc group Ltd, one of the UKs leading providers of debt recovery solutions? Hope you guys can help :/ Cheers ginni!

Hi slick, I called the gym at the beginning offering to bring my account up to date in March and the carry on making the monthly fee for the remainder of the term but they said I had to start a new 12 month contract or carry on through harlands. I will send the telephone harassment letter and see what happens from there. Thanks, Ginni

Hi guys, When I approached exercise 4 less about setting up a new payment method to settle what I owe they wouldn't accept it and said I had to speak to harlands. I will send this telephone harassment letter to CRS. Cheers guys, Ginni.

Hi guys, Whilst I've been ignoring the calls CRS having been annoying me with. I've just received a letter today from CRS stating that they can pursue a claim under my contract through the courts, the process would be, 1) they will write a formal letter what they are demanding and give me a final opportunity to pay/reply. 2) if this failed to settle the matter, they would issue proceedings against me in a county court. 3) THEN I can either A, make a payment, ending the legal process or B, dispute some or all the amount owed. 4) if I dispute the amount owed the court process would continue, at the end of which the court woukd make a decision. 5) a strict court imposed timescale will apply in relation to the court process. After this it states if I ignore this letter a county court judgment may be registered against me requiring to make a payment and I may also be liable for there court cost of pursuing legal action plus the Interest on the amount owed. :-S Hope you guys can help me out here with some advice. Thanks, Ginni.

Thanks for the quick response dx100uk. Thanks for the advice ;-)

Hi guys, Haven't heard anything regarding this matter since may, just had a call today which I didn't answer and then a voicemail, which is from Crs, which the guy says to give him a call back about a personal matter? Do i just ignore this? Thanks guys Ginni

Hi slick, Just wondering if you got my last post, ref credits resolution services? Thanks Ginni

Hi slick, Haven't heard anything back from harlands, but received a letter today from credit resolution services stating they've been employed by X4L, and as a result of this there fees have been added of £66.50 and my balance now stands at £216.40 :/ They say they'll cease further letters for 7 days and I need to contact them. Hope you can help :/ Cheers ginni

Hi slick, Just had a text message of X4L stating:- Dear Member, Harlands have now passed your account to a third party debt collector. To arrange an alternative settlement figure please call us on 01132038602. : /

Oh nice 1 slick. Thanks again. Il keep you posted Ginni

Hi slick, I've had an email of harlan even though I contacted them via post and didn't add my email the letter so why would they have emailed me : / the email states:- Dear Ginni, Thank you for your recent letter. Xercise4Less have not confirmed the cancellation of your membership. Therefore, we do not have the permission to cancel your account. We can confirm that due to Xercise4Less' policies we at Harlands, a third party Direct Debit management company, cannot deal with any cancellations. We at Harlands are the direct debit management company for gym memberships and other subscription services. We are not the gym and are unaware of your communication between the club, the gym staff and yourself and the frequency of your gym visits, we are a third party company who action the payments. All Xercise4Less cancellations have to be done via their website otherwise they are unable to accept them. Please go to their website and under the tab FAQ's select 'If I no longer want to be a member of X4L how do I cancel my membership?' This will give you the ability to select the reason to cancel and upload proof if required. Cancelling your direct debit does not cancel your membership, it only stops the payments from being taken. Under the Terms and Conditions of your membership, if we are unable to take payment, you will incur a charge for each unsuccessful debit. Please note that Xercise4Less will not accept or process any cancellations where the Direct Debit is not in place and your membership is paid up to date. So please make sure this is done before filling out the cancellation form. We are unable to action anything on your account until we have their confirmation. Xercise4Less will email us to confirm how we are to progress with your account once you have contacted them. Please refer to the club using their online facility, or by talking to the club you joined in directly, to discuss the matter further. We apologise for any inconvenience. For all Enquiries Call Harlands : 01444 449033 () Quote Reference : 33233409 / Office hours: Monday to Friday, 9am - 1pm, 2pm - 5pm Yours sincerely, Harlands This email came from MRP customer service. What do I do next? Thanks slick Ginni

Really? Amazing il do that now

Thanks dx100uk