Just an update on this. I kept ignoring ARC/Resolvecall but they persisted. I have had some 'luck' though - both my parents are members of the said club and threatened to cancel their memberships if this was not resolved. 2 days later, deemed debt is cancelled and apparently the debt collectors have been called off. Will be interesting to see if this is actually the case.

Update on this. I've been ignoring ARC as recommended - they have been calling/emailing/texting quite often. However this morning I've been emailed by Collections Department Resolvecall Spectrum House 55 Blythswood Street Glasgow G2 7AT Has anyone else experienced this with David Lloyds - I can't find any info on this company acting on DL's behalf.

Heard nothing from David Lloyds. ARC keep phoning me though - I'm not engaging with them when they do. Anything else I should be doing at this point?

No response from DL as of yet but had another letter from ARC, which they have sent to my old address. However they did email it me too. Should I be concerned about the lack of address update even though I informed DL? "We note that you have not cleared your balance or made payment proposals since our previous letter to you. On the instructions of our client, we can now refer the matter to our Solicitors, Majorlaw Ltd, with instructions to prepare a County Court Claim against you for recovery of the above debt. What will happen next? Unless we receive either payment in full or your payment proposals, a Court Claim can be prepared 14 days after the date of this letter. If this action is necessary and we pass the account to our Solicitors for issue, our client is entitled to claim interest under the County Courts Act 1984 at the rate of 8% per annum together with fixed Court Fees and Solicitor’s Costs amounting to a further £109.00. You may want to seek independent legal advice on this matter. What effect could a Court Claim have on me? If a Claim is issued and the debt remains unpaid, our client could apply for a formal Court Judgment against you. If a Judgment is granted and is not paid within one month, it will be recorded by the Credit Reference Agencies for a period of 6 years and this may seriously affect your ability to obtain credit in the future. What should I do next? You can make a secure payment to us 24 hours a day with your debit or credit card by visiting our website www.arceuropeltd.co.uk or by calling our automated payment hotline on 01332 647693. Alternatively, please contact our Customer Support Team by phone or live chat within 14 days from the date of this letter to discuss the balance on your account. You may also want to contact one of the free debt advice organisations by clicking here Free Debt Advice."

Thanks slick132. Will be posted first thing tomorrow.

Thanks for the replies you two. I've written a quick draft - hope this looks okay? REF: Membership number: XXXXXX To Whom It May Concern, I am writing with regards to the ongoing situation concerning my cancelled membership. I am willing to pay 1 months membership fee (£xxx) as a full and final payment. After this payment I will consider this matter closed and no outstanding balance due. Please confirm in writing your acceptance of this offer. Also, please note my address at the top of this letter – this is my current home address. Please update your records and any records of other ‘interested’ parties accordingly. Yours sincerely, NAME

My membership recently expired at David Lloyds and didn't renew - however I was informed that I had to give 3 months notice to cancel and that I owe nearly £400.00 (last payment in Feb 2022). I emailed back and forth with DL memberships to no avail - although they cannot actually provide me with a signed copy of the membership agreement. I've been waiting 2 weeks for it now, every other response has been next day. It has now been passed to ARC Debt Recovery They don't have my current address but reading through some posts here It looks like I should inform ARC of my new address - is this still correct? Copies of letters are being sent to me via email, this is how I know they have written to me. Looking for a bit of advice. Just to add to this. I joined over 15 years ago and don't remember signing anything hence me asking for a copy of the signed membership agreement - which at the moment they are failing to provide Thanks in advance.