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    • If you want to save us all a lot of time, you can tell us the whole story in a chronology without too much narrative including who you are dealing with. We really can't say if you have missed a trick until you lay it all out.   In terms of not wanting to bother us, - very noble, but it is less of a bother if you come to us first so that we can help you to get it right first go  
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    • Boris 'the Liar' speech translated   'Some months ago we told you you had to stay at home to protect the NHS, and you understood that our decimation of NHS funding meant that all other NHS work had to stop, and its resourses were severely limited. Now I'm sure some foolish people thought that was to allow time for the underfunding and the under staffing of the NHS to be reversed. But clearly, as the majority of you did as requested, and suffered and died quietly at home and in homes to a level we could barely believe, clearly it meant that the money we might have been forced to spend on the NHS could be retargetted to our mates like serco - so of course we did.   Now 6 months on, with the NHS staff exhausted and at breaking point,  our pals simply cant be expected to actually deliver on the ridiculous claims, we are simply trying the same scam again on you idiots to free up even more debt generated money to route to our pals tax haven bank accounts which your children, childrens children unto the 7th generation can pay back.   So, with PPE money allocated to companies we chose who clearly needed the money, and debt at record levels I'm sure you will all realise that again everyone else must not mingle, and must stay at home wherever possible, so the children can go and mingle in schools in full sized classes and allow the virus to spread there and get back to you smart arse plebs locked in at home who have managed to avoid it so far. and I'm sure you will all understand its absolutely crucial that neither you or your family -  especially children - should waste essential resources and apply for tests until you are showing clear covid symptoms and we know you have it.   Thank you suckers. Bojo  
    • I'll guess you've heard of these on here before - laptopsdirect.co.uk
    • Don't worry about it.  It's just that it makes it easier for people to understand and to try to give you advice if you keep everything related to one topic in a single thread, so everything is in one place and not scattered around.  But if you have a new or unrelated topic, it needs it's own new thread, otherwise people get confused and can't separate one topic from another.   Does your question about the courier need a separate thread, or is it part of the unpaid loan to your relative issue?   Whoops!!!  Sorry - I see there is a new thread.  Teach me to read before I post!
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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.
       
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      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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Hi,

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?

Laura

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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!

Laura

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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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