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Posts posted by Lolo96

  1. Hey all


    Just came back to say they gave the debt account back to David Lloyd and I messaged the same last message regarding reporting them to the FCA if they do not break down the virgin debt either



    I haven't had a reply in weeks so I take it they backed off from that side too.


    Thanks to everyone for the help, You do not understand how appreciative I am


    All the best



  2. Hi all,

    the update is they are now proceeding to charge her not only for her Virgin Active Membership but also David Lloyds as she had a membership with them too which she also cancelled via DD and not the appropriate way.



    They are requesting £452 for Virgin Active & £117 for David Lloyds.



    Even I'm in a state of panic at the moment as I am unsure what to do at this point for her as they are continously threatening for court proceedings.



    They once again didnt really answer the question of how the Virgin Active balance was made up only how the David Lloyd balance was and once again the price has changed from £114 to £117.


    I will link all the letters they proceeded to email me once they realised my sister had granted me permission to handle the case for her. Any help at all would be much appreciated.


    Letters -


    Virgin Active: http://imgur.com/a/ax2MV


    David Lloyd: Edited as personal data left showing


    Thanks again


    Kind Regards

  3. Hey all,


    Me again. So my sister rang them and gave me authorization to continue to handle the case for her.


    I stated who I was once again and referred them to the original email I had sent demanding how the amounts they were requesting was made up and if I did not receive clarification that I would then make formal complaints. I will let you know what their reply is.


    Hope you are all well nonetheless.



  4. Hi,


    Sthey replied saying that the proof I provided was in the name of Lois xxx and they can't discuss it with anyone else unless she has given authorization.


    I am her brother and I'm handling this for her just on her CAG account and sorting this out via email for her as well with ARC.


    I replied telling them this and asking how she can authorize me to continue to handle the matter.


    To me it sounds like they are looking for any excuse to prolong this so we can just pay them and be done with it as they have never asked for authorization thus far whilst discussing all of these financial matters with me and It has all been from my email since the start...


    What do you think ?

  5. Morning,


    Well I've linked all the letters and from the very first which stated £318 had a different reference number to these recent ones demanding £114 but they was the ones who changed this themselves in addition to the amount they was asking for whilst they was replying to my initial letter regarding the £318... So to me it seems as if they messed up by demanding this amount and are trying to weasel out of it...


    And yes the proof I sent them was the initial letter from ARC Europe themselves demanding £318 that I linked at the start of the thread


    Kind Regards

  6. Hi all,


    So they replied and I am completely baffled at what my position is right now or what to do as what they are saying makes 0 sense to me.


    I will attach the letter as well but they are basically saying their first letter was in relation to David Lloyds Membership whereas this is in relation to Virgin Active... I was under the impression it was within the same bracket...


    Let me know what you guys think




    Kind Regards

  7. Hello,


    So they replied stating that they have never held an account for me for a balance of £318 and proceeded to say I have 14 days to provide evidence so they can investigate.


    I have attached the initial letter I linked at the start of this thread and sent it to them. So we'll see what they say. I am pretty baffled at the way they are handling this, They are either playing dumb or are not on top of things at all...



  8. Hi all,


    So they replied and I'll link the email they sent back to me. They somehow ignored my question entirely regarding how the amount they was asking for before (£318) was made up, But now the email states the balance I owe is only £114 haha.


    Let me know what you think, Any way at this point I can get out of the whole amount as even a hit of £114 is substantial to myself...


    Email - http://imgur.com/a/aFHF2


    Kind Regards

  9. Heya,


    Apologies about that.


    After reading over the letter it mentions that the amount due only represents what is currently owed (£318) and they mention how on the 1st of every month this amount will increase by whatever my monthly subscription with the gym was (£134) until the end of the contract.

    At the top of the letter it states "Total Liability till End of Contract: £1256.


    They also say that if the balance is not paid this case may be passed to solicitors and proceed to court hearings etc.


    Thanks again





  10. Hey there,


    Really do apologise for the late reply as I have been tied down with work etc and was collecting the info to the best of my knowledge.


    1)26th November

    2)1st December

    3)£134 a month

    4)28th December or roundabout through the mobile banking app

    5)1st December

    6)No change in income, Only health issues preventing me from going to the gym.


    Thanks again for your time and help, Much appreciated





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