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    • Correcting a prior post. Oliver at least got fed every day didn't he. Tories will see the kids go without food for a week or two wont they.      
    • It was because the last day fell on a weekend so they had until the end of yesterday to reply. No reply and I have Requested Judgement this morning, I have requested full payment by the 3rd November. I think a week to for the to resolve is reasonable. I don't hold much hope of them even responding to that so feel it will need to be taken further.   What is my next step if I don't receive the full refund by 3rd November?
    • I did see that but I haven't seen any announcement.
    • Dodo is just a scapegoat - and well rewarded at that.   So here we are about 8 weeks and approaching 2 months from: (during which failing to even collect 250 spit samples a day  @£500M)   BBC Breakfast - Matt Hancock on coronavirus testing (03Sept20).mp4
    • Good morning,   Thanks for the reply.  This gym involves Legacy Leisure, the gym I use is Rutland Sports Park, though my account is linked to Friesland Sports Centre as that’s where I initially signed up (they have 5 different sites all working as one in this area).  It was a council owned and run gym before they brought in this third party to do it for them (and reduced the quality, but that’s a story for another day).   As suggested I have cancelled the direct debit.  I received another email last night telling me that they would freeze my account for a further 6 months for an ‘admin fee’ of £5 per month.  I will be telling them that’s not good enough.   Apparently I owe them £25 for an admin error on their behalf from about a year or so ago (they mentioned this at the time but said they would look in to it, and never mentioned it again).  I’m happy to pay what I owe outside of this £26 28-days notice fee.   So: what should I do next?   Thanks again,   Sam
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Virgin Active - ARC Advice Please

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Looking for some advice on how to deal with these fraudsters.

I signed up for to Virgin Active health club in january of this year.

As I knew I was going to be moving from the area I joined on a month-by-month contract as opposed to signing up for 12 months. In April, I sent them a letter stating I wished to cancel my contract and giving one months notice. I then called the club to check that they had received my letter and was told that they would check and call me back if they had not received anything.

Having not received a call back I cancelled my direct debit a month later. The following month I was sent a letter by Virgin Active stating that I owed them money. Assuming that this was an administration error I did not respond to this.

It would appear however now that they have passed this to ARC Credit Management who are demanding 3 months payment and £30 in fees, amounting to £180.

They inform me that they will pass this onto solicitors if I fail to pay within 10 days.

I contacted VA last week who informed me that they had not received my letter and that it was my responsibility to check that the cancellation had been received.

As far as I am concerned I have acted as I should in this matter and do not feel that I am liable for this debt.

Does anyone have any advice for me on this matter?


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Did you send recorded?


Ida x

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either you could send a letter to the gym detailing what has happened and that you want the gym to clear the balance (sending the dca account in dispute letter)


or you could send the gym a sar to see if they have any notes or reference at all about cancellation (this would cost £10)



ida x

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I have already send a letter to the gym, cc'd to the DCA - recorded delivery this time! Stating that I am disputing this claim, explaining the circumstances and that I intend to challenge this claim as far as they wish to take it.

We shall see what occurs!

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I have now received a response from VA stating that it was my responsibility to ensure that they received and processed my cancellation and thus the £180 outstanding still stands. They very kindly :rolleyes: stated that if I was to pay them directly the DCA £30 fee would be waived.

I am so angry, it seems so unfair that although I did everything I thought was neccessary they are insisting on enforcing this debt.


Does anyone have any advise for me on this one? Should I just give in and pay them or should I fight on and see where it gets me. Surely this is not a credit agreement, so would any court action that may come out of this appear on my credit record? (Something that I am currently trying to rebuild!)

Please help!


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I don't know!! I am yet to respond to their letter. I was thinking about contacting Watchdog or another consumer programme as I want to expose this company for the criminals they are! Still not sure what to do though. Very frustrating indeed

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I have today received a letter from Trevor Munn Solicitors acting on behalf of ARC stating that they are preparing documentation for the issue of a claim in Northampton County Court. It is only two weeks since I queried this debt with Virgin Active - I have never known a DCA to act so fast to take a debt to court. I cannot believe it, these guys are criminals.

Any advice would be greatfully received, should I let this go to court and defend or just pay the amount owed and be done with it?

I have already disputed this debt so not sure that they should have passed it to a Solicitors immediately.

Please help!!

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