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Everything posted by knapper78

  1. Will do, thanks for your advice, much appreciated
  2. Even though I have received the below letter: Re: CRS Ref No: XXXXXXX Lifestyle Fitness Ref. No: WXXXXXXX Following our initial letter, we are disappointed that your account with Lifestyle Fitness is still in arrears and our fee has not been paid. We would still like to reach an amicable resolution to this, however, if you fail to respond to this letter, we will have no option but to commence further action to recover the monies owed. The options available to us are: 1. LEGAL ACTION We believe you are in breach of a legally binding contract with Lifestyle Fitness because you have not paid your membership and our fees. We may pursue a claim under this contract through the Courts. If we do so the following process would apply: 1. We will write a formal letter explaining what we are demanding and give you a final opportunity to pay/reply; 2. If this failed to settle the matter we would issue proceedings against you in the County Court; 3. Youcouldtheneither: a. make payment, ending the legal process, or b. dispute some, or all, of the amount was owed. 4. If you dispute the amount was owed the Court process would continue, at the end of which the Court would make a decision on our claim. 5. A strict Court imposed timescale will apply in relation to the Court process. Were we to be successful in our claim, or if you ignore the claim, a County Court Judgment (CCJ) may be registered against you requiring you to make payment. You may also be liable for our costs of pursuing legal action and interest on the amount owed. If you then fail to pay the amount covered by the CCJ we would take the next steps required to enforce the judgment. To do this we would have to make an application to Court. 2. OUTSOURCE TO EXTERNAL AGENTS Your account would be passed to another Collection Agency who will take further action to recover the monies owed. YOU CAN AVOID THIS HAPPENING IF WITHIN THE NEXT 10 DAYS YOU CONTACT US ON 01444 449165 TO ARRANGE PAYMENT WITH US.
  3. Hi I joined lifestyle fitness via online, I went down to my local gym to start using it but when I got there I was told I had to register and have my finger print taken which I did, I was then told by the manager that I couldn't’t use the gym until I had taken an induction and the next one that was available was not for two weeks, we got into an argument as I didn’t really need an induction as I’d been using gyms for several years, he said that under no circumstances could I use the gym and blocked my finger print so I couldn't’t access the gym, I told him to cancel my member ship as it was within 14 days of me signing up online (not sure if that rule counts) which he said he had done. I’m now getting emails from CRS who are threatening me with legal action unless I pay £324, I have replied a month ago and explained what happened and they palmed me off with tough you have to pay! What can I do?
  4. Thanks. Should I contact them or just leave it? Should I not ask for the to prove I owe the debt by asking for the original signed credit agreement?
  5. I've had a reply from Arrow. They claim the debt isn't statue barred as my ex was making payments up until 2014 then she stopped and they can't find her! They have said that they would rather deal with me one to one rather than going through the courts?! This makes me think that with the debt being so old (2001) that they don't have the relevant paperwork to prove it. I'm adamant I don't owe this money, everything I owed from that period was paid back, when I went to the bank they said this was a loan, in the letter I've received they say it's from an overdraft, I never had an overdraft with the Halifax?! What should my next steps be? Thanks
  6. I've filled in my defence online, I'll let you know the outcome, thanks everyone
  7. Would it be worth sending Arrow a letter like a CCA request?
  8. With it being older than 6 years HSBC don't have any way of confirming anything that would be on a statement, I can't get proof of anything so memory is the only way I'm afraid. It would have been through a direct debit through an old account with HSBC which also closed and went the same time as everything I had with HSBC was closed.
  9. No there's nothing on my credit file, there never has been? What do I write as my defence? Is there a specific paragraph or do I just put statued barred? I'll message her and ask
  10. I'm not sure about my ex, she hasn't paid HSBC but I'm not sure about Arrow, should I ring them and ask?
  11. I've been in touch with HSBC and with the debt being so old they can't access any statements. They confirmed it was a loan but that was all they could give me as they destroy all records after 6 years, I'm assuming my next step is to contact the court and say that I'm filing a statuted barred defence. Thanks
  12. The letter I have received was sent to my old address, I only got it because my friend lives there now. They may have sent other letters there but I don't know. No one was ever in touch when I lived there, this is the first time I have seen this particular company or debt. I know it's up to me to tell companies if you move but like I said I've had zero contact when I lived there. To the point about it being in my ex name as well she would have stitched me up if they had been in touch with her, I pay her CSA so she knows where I live, she would have told them. What are my next steps, surely they have to prove this is my debt as I really don't think I owe HSBC anything, I paid it all off
  13. Sorry what is POCs? If it's anything from HSBC the last payment will be from before 2002 as I haven't dealt with them since before then
  14. Name of the Claimant ? Arrow Global limited Date of issue – 03/07/17 The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and HSBC dated on or about OCT 22 2001 and assisgned to the claimant on May 13 2011 Particulars a/c no - ******/******** Date 15/05/2017 item default balance value £1643.07 What is the value of the claim? £1643.07 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? bank account OD When did you enter into the original agreement before or after 2007? Looks like before as the date is 2001 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No I've never received any notification ever about this Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I can't remember having the debt, this is from 2001, myself and my then wife split up and had our house repossessed, I paid off all debts owed to my knowledge What was the date of your last payment? No idea Was there a dispute with the original creditor that remains unresolved? None, I'm not aware I even owe the money Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management Again I didn't know so no I think I had a credit card and a loan years ago from back in the late 90's, everything was paid off though. :- Thanks
  15. Hi I'm hoping someone can help. I've received a claim form from the county court business centre, this is from a debt I have absolutely no idea about? It's a joint debt with my ex named? It says it's from a debt from HSBC on Oct 22 2001 and was assigned to the claimant on May 13 2011? I have no idea where this could have come as it's never been on my credit file and I've never had any notification of this debt? In the pack there is a dispute form should I fill it in as surely they will have to prove that I owe this money Thanks in advance
  16. Thanks for your help mate. I received a letter from Robinsons yesterday about my old loan that I had at the same time as the credit card, should I take action on that?
  17. Can I not challenge Cabot to see if they have all of the correct documentation or is it too late? Thanks
  18. I've just spoke to Northampton and they have told me the same as Middlesbrough that it would be a £10 fee and that it is held with Middlesbrough court The date of the CCJ is Jan 2015 if that helps?
  19. I've managed to find the claim number so I'll call them now, thanks
  20. Ok thanks, I get it. How would I know if I can defend it? I've read in some posts that after 6 years debts can't be chased, is this true? As I haven't had any contact or made payments since 2010 this would make it over 6 years. Thanks again
  21. Sorry, I'm confused. I rang Northampton and was told that it was with Middlesbrough I rang them and was given the information, what else should I be asking for? Sorry for being a pain. Thanks
  22. Ok, I've rang Middlesbrough court, they said it would cost £10 admin to get a copy of the CCJ but she read out what was on the screen. It's for a Halifax credit card Jun 09, balance £3,693.94 It was bought by Cabot in 2014 (the balance is now £4,080.94 What should my next steps be? Thanks
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