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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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David Lloyd Leisure harassment


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In August 2008 I joined the Next Generation gym but shortly afterwards I found out that I would have to move out of the area due to work. I phoned the gym to ask what I should do as obviously I couldn't use the gym and couldn't get a proper answer. I then rang again and was told to write to them stating I was leaving the area. I did this and received no response. I then received a letter stating that David Lloyd Leisure had taken over Next Generation and that my subscription was going to go up. As I had still had no contact from after my letter I rang the gym again only to be told that their head office dealt with subscription issues and I would probably hear something in due course.

 

I then started receiving letters from a company called ARC demanding £572 on behalf of David Lloyd Leisure. When I rang them back I explained the situation and that I had been trying to sort this out for months but nobody had got back to me but the guy on the phone wasn't interested and kept asking how I proposed to pay off this sum of money. When I told him I had no intention of paying it there and then he said they would take me to court. I then told him that was fine and that I would defend myself in court.

 

Just now I received a phone call from a very rude man who didn't identify himself or his company, but the number was 08452 707365, and he started asking for payment or an out of court settlement of £517. When I told him I had no intention of paying any money over the phone he said they would prepare a court case to be heard in Northampton and that "it's up to you to get there or you'll get a judgement against you anyway so you may as well pay now".

 

I then told him I intended to take legal advice and that any further contact should be via mail only. He then said he had a legal obligation to ring me regularly until this debt was settled. I then informed him that if I received anymore calls I would look into a case for harassment. He continued to say they would continue calling and I hung up.

 

Did I do the right thing? I must confess I lost my temper. Any tips on my next move please guys?

 

I know I am being bullied by this company but they've picked on the wrong person.

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OK First of all this is standard operational bull***t from ARC - I had exactly the same trouble when I tried to cancel my Esporta Gym Membership for the same reason.

 

1 Next time ARC telephone ask the person calling for his/her full name and note it down.(get the address of arc if you have not already got it)

 

2 Then tell them that you have been instructed by your legal advisor NOT to discuss the matter over the telephone, but would like them to communicate with you in writing.

 

3 Hang up.

 

4 Write a letter to ARC (copy to the gym) saying that due to circumstances beyond your control (ie a company relocation) you were unable to continue with your gym membership and you had informed them of this on several occasions (include dates) Tell them that as the OFT has indicated in its document on gym membership that a single months membership would be considered fair notice under such circumstances,(I assume you gave 1 month) that you would be prepared to argue this in court, and would welcome the opportunity to do so.

Any other communication from either ARC, or David Lloyd other than notice of proceedings would be considered as harassment (which is in breach of the protection from harassment act 1997) and action would be considered against both DL and ARC on this issue.

 

 

Take a look at my thread http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/168393-esporta-information.html for my story.

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I would also from now on RECORD the calls they make to you.....I would send a letter outlining the dispute to the Chairman of the company at their head office, explain the attitude the debt collection agency have taken (they are responsible for the actions of their suppliers too) state that if this kind of harrassment continues you will have no hesitation in taking legal action...

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I've just received two letters from ARC, both dated yesterday.

 

It starts with:

 

"Dear Mr ****

 

We refer to your recent offer to pay and confirm we are willing to accept £550.00 to short settle this debt..."

 

This must be some kind of joke? I haven't made any offers!

 

I have also had two phone calls from them this morning that I have logged, despite me telling them yesterday that I would only deal with them in writing.

 

Tossers!

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I have just had this same problem with my sisters next gen membership. The contract was a pile of poo and I told them to get knotted on this basis. Feel free to pm me if you need anything, but get a copy of your contract sharpish chances are the same error applies.

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  • 4 months later...

I joined my local DL club in Chorley in March and within a week i noticed that the changing rooms were often filthy, but put it down to a one off. After another couple of visits i thought i must bring this up with a Manager. He was sympathetic and said he would address it. The very next day i thought i would give it a go and to my amazement it was just as bad. I complained again to be told i must put it in writing and send it to the General Manager. I went one better and presented the General Manger with my letter of disgust also saying if it isnt sorted i will be cancelling. He informed me the cleaners are contractors and they have staffing problems, I told him i dont care and that i'm not happy. He wasn't intrested and told me to escalate it to Sally Hillman (Regional Manager) so i did. Explaining the treatment and service i have recieved was disgusting and that i will not be continuing my membership, she didn't even respond. Next thing ARC wrote to me demanding i pay the full year's membership and i would be charged a further £50 for each direct debit i missed. I forwarded all my letters of complaint to them and explained i will not be paying.

 

I recieved a letter this morning from their solicitor Trevor Munn, he has demanded i pay or i will be issued with a C,C summons in Northhampton, furthermore i will be charged intrest and will incure all court cost's.

 

For those of you who are in the same postion, i have had advice from a reliable source saying, write to them stating that, contract or no contract, it's down to the judge on the day and if you have acted resonably and they have not, you will win. Also if you get a summons you can request the case to be heard in your home town (Fact)

 

So dont be bullied, stand and fight.

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  • 2 months later...

Hi,

Interesting to hear of your treatment by David Lloyd Chorley.

My partner and I have been members there for three and a half years but when we recently tried to leave we received calls from ARC debt recovery.

 

We explained that we had given notice and left but they insisted that we owe £281 each as no notice had been given! We had given it in person to the girl on reception but David Lloyd's poorly trained (and constantly changing) staff at this branch had lost it, AND failed to issue a receipt.

 

I have written to the general manager a Mr. McNicholas who has written back saying that he refuses to speak further on the matter!

Not only this, but it has come to light that we were mis-sold the original contracts back in Feb 2006, having been given separate contracts despite joining together as a couple!

The single contract [problem] has cost us several hundred pounds more than a joint membership would over this period, and now we are being pursued for two lots of £281 for 'failure to give notice".

 

McNicholas refuses to look into this, stating that there is 'No proof' that we asked for a joint membership at the time!! I mean, why wouldn't a couple, attending together at the same time not require joint membership?...it stinks!

Meanwhile ARC continue to hound us despite letters asking them to communicate in writing only. I am thinking of picketing the gym and leafleting the members to make them aware of the unjust way that this branch is being run.

Edited by Old-Nail
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I would write to the Managing Director of the business, state that Mr McNicholas is refusing to investigate this, and under probability why would you take out single (more expensive) membership as opposed to a more cost effective couple membership. I can't understand why once you leave these companies they seem to throw out the toys....it should be seen as an opportunity to try and get you to rejoin in the future ?

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The problem is that I have written to David Lloyd's head office once regarding this matter and they simply passed it straight back to Paul McNichols to deal with!

 

I suspect that he and Sally Hillman are friends, or at least familiar, and therefore no action is taken, as is confirmed by the chap who has written above.

One David Lloyd employee responsible for collections actually told me that the only way they would not continue to harass me for money was...and I quote "If you were dead!"

 

I took her name and reported her but again I got nothing but a 'reassurance' that she had been spoken to.

 

On another occasion while explaining by telephone to Angela Hill who is the recruiting officer at the Chorley branch that we would neither pay, nor could afford three more months charges she said;

 

"I am a single mother, if I got in trouble with my mortgage no one would help me, so why do you think David Lloyd should help you?"

 

It appears to be lost on these people that we don't actually owe them anything!

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Thanks for the name + info, I will write. Do you happen to have where he can be contacted or do I address the letter to him via the David Lloyd head office?

I also wish I had their remarks recorded, I do have the letter from McNichols though in which he assures me that both of them have been reprimanded, however he states that "because of confidentiality and data protection I cannot reveal what steps were taken"

 

Pity he didn't take such good care when issuing my data incorrectly to ARC collections!

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Old-Nail, Sorry to hear of your plight, but sadly it comes as no suprise. Just to give you all an update on where i'm upto-After the barrage of calls, letters from ARC and letters from Trevor Munn Solicitors, It seemed to go quiet for a few weeks. Then came a call from a mobile number, it was ARC "oh, a change in tactics" I said. The caller quickly said" are you going to pay" "No" I said, "Then we will take you to court and you will incure further charges" "Good" I said. I went on to explain, ARC are only acting on behalf of there client who has not followed correct procedure and with further cost's being added you are only making my case stronger, as it will be seen as unfair, The call quickly ended.

 

Then out of the blue i recieve a letter from a company called ScotCall Debt Collecting Services explaining that they would send doorstep collectors round. This seemed a little more serious. I checked there website out and the way they come across i was right to be alarmed. I took a little advice and emailed them straight away. I wrote-

 

In reference to the debt you have been allocated, may i point out this

debt is in DISPUTE and therefore i will not deal with your company or

representatives on the phone or the doorstep and any door step calls will

be deemed as an act of aggression and or intimidation and will be dealt

with accordingly.

 

I have asked on every accation i have been contacted by ARC that this be

settled in court, to no avail. The client you are acting on behalf,may it

be David Lloyd, ARC or Trevor Munn Solicitors are acting in a

unprofessional, unfair and unlawful manner and this will be deemed so by

the courts. So i urge you not to go down this route because it would be a

waste of your company's time and money.

 

This email will be recorded and produced as evidence along with all

previous corrispondace relating to this matter.

 

And to my suprise they responded saying, thanks for my email and it will be passed back to there client. WOW! at least one company can act in a professional manner.

 

Old-Nail, dont give in and in regards to the picket, let me know when and i would be glad to join you. All the best.

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Old-Nail, dont give in and in regards to the picket, let me know when and i would be glad to join you. All the best.

 

Great stuff. I will be writing to Mike Tye first as advised above.

Ironically, the day after posting my last post on here I did receive a reply from Paul McNichols, a very short one that simply stated that I had 'exhausted' the grievance procedure at club level.

 

He then gives me Sally Hillman's details and adds that;

 

"The regional director is the final level of our company escalation process and will confirm the company's position"

 

This final comment appears to pre-judge Sally Hillmans decision somewhat don't you think? He's hardly expecting an impartial investigation then, which is why I'll be writing to Mike Tye! :)

 

I shall have some leaflets made up should I get no satisfaction and fully intent to picket and leaflet members at the nearest convenient public place outside the gym, which is the entrance to the approach road. All are welcome!

If I can get enough volunteer support for the picketing days I will ring the newspapers to attend as well, publicity is death to little tyrants like McNichols.

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I would be suprised if Sally Hillman even knew who you were. Best of luck with the letter to Mr Tye, but i would'nt hold my breath. The thing is i work in the sale's and service sector and if i acted in this manner i would be fast out of business. It seems this kind of behavior inherent throughout the company and the only way to deal with it is to bring it to the public domain and hit them where it hurts, in the pocket. Marketing will cost them around £500.000 a year, so adverse marketing will cost them the same plus 25% approx, So bring on the publicity and expose them for what they are, a money making machine that does'nt give a stuff about there customer base.

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My thoughts exactly.

When reading through this excellent website I was amazed at how many others had suffered a similar fate at the hands of the fitness industry and ARC collections. Why hasn't a concerted effort against them been organised before now I wonder?

 

I've had three letters from Trevor Munn so far, each one huffing and puffing a little harder than the last. I 'Googled' him, obtained his actual address and not the 'via ARC' one that his letters give, and sent the reply there!

 

I'm also wondering if writing to a national newspaper, or my local MP might do any good? My experience so far isn't promising, I have already written to the BBC, who recently asked for relevant stories to be sent in for an

upcoming new series called 'Rip off Britain", I received no reply.

 

The main obstacle as I see it, is that many of the big directorships are, to coin a phrase, "All Pi**ing in the same pot" and therefore don't like to upset each other by investigating malpractice.

This is why I would like to picket and leaflet gym members personally to raise awareness of the treatment they can also expect should they decide to leave.

 

Finally, with regard Trevor Munn/ARC I believe that unless ARC actually take me to court and win, then they cannot place me on a credit blacklist as I have not defaulted on a credit agreement. They can pursue me only under contractual law which has nothing to do with credit.

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Update on this.

Despite my receiving a begrudging note containing the details of Sally Hillman from Paul McNicholas for my appeal, I received a phone call yet again from ARC demanding money.

I told them of the situation, and the fact that any appeal I had made has not yet been heard or answered and was told that Angela Hill the membership manager has emailed the details through this morning for pursuance.

 

Does this mean the appeals process that I requested as part of the company grievance procedure has been breached?

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I have now written to ARC giving full details of the situation between myself and David lloyd, they were left in no doubt that this so called 'debt' is disputed, and that I require written contact only from them.

 

Their written reply was that their client has confirmed once again that the 'debt' must be recovered, and as such they will continue to use all methods necessary to recover the debt.

 

I have now used and modified the OFT letter template from this site, I have made a claim of harassment, and have included copies of my correspondence with ARC, and the log of names, dates, and times of the phone calls.

 

Let's see what becomes of this then....

 

If I win this case I intend to make a donation to this site out of the money saved, some very helpful info on here, and thanks for your support! :)

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  • 8 months later...

i hate david lloyd they suck. Theyve done the same thing to me, wouldnt let me cancel my membership, let me join when i was a student and shouldnt have been allowed to join.i didnt have any money so asked to cancel my membership they wouldnt let me so i asked to suspend my membership but they wouldnt let me do that either, saying i think 30 or 60 days notice, and they may or may not let me suspend it. i told them that i dont have the money to pay for it, but they wernt having it. Now they (arc)keep calling asking for 837 quid :S. Im a student and already in enough debt im not going to pay for something that im not using.`

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  • 3 weeks later...

I was pursued twice by David Lloyd debt collectors over 10 years of membership. First time David Lloyd had to pay me £500 compensation and second time £2000! Their administration is clearly a mess, the debt collection companies must know that and I believe have a duty of care to ensure they establish whether their client has cocked up again before pursuing wrongful claims.

 

I have now left them as they are more like a factory than a club and have also written to the OFT about their consumer practices and the issue of the duty of care owed by their debt collectors. I would encourage anyone else with complaints against them also to contact the Office of Fair Trading and your local trading standards office and to consider suing both them and the debt collection company through the small claims court as I did.

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Hi, This is very interesting.

Having the exact same problems with David Lloyd, Arc Europe and Munn Solicitors. I paid 12 months cash upfront (no direct debitlink3.gif) for what I was lead to believe was a 12 month fixed term. Then after 12 months they try to bill me for 3 months notice! An Outrageous underhand practice!

The Office of Fair Trading states that “rolling terms” are unfair and they have told David Lloyd before they need to reduce their notice period too. Most UK gyms are 1 month which they deem reasonable.

 

Can anyone whome has been through Closure on the David Lloyd Chapter please clarify a number of points;

1. If you dont pay to Munn actually file a Court claim and try and enforce the 3 month notice contract?

2. How did the comenter in the above actually get a payment form DL? Was it for harrasement? what is the best process for this?

 

I have already written to Watchdog, Time Troubleshooter & OFT. Any others?

Thanks

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  • 2 weeks later...

In answer to the above questions I can confirm that;

 

1/ The Trevor Munn letters are simply a bluff by ARC to frighten you into paying. Looking back, I now see that they are simply an amateurish and feeble attempt to intimidate. I ignored them all with no ill effect.

 

2/ ARC will 'play' you right to the wire, using telephone harassment, threatening letters, and repudiating any claim you might make that you are not liable for the so called debt. They only stopped when they saw that I had contacted the OFT regarding their methods, having first methodically logged all their calls, and sent appropriate letters (by registered post) requiring them to submit all further contact in writing only.

 

Don't waste any time (or your breath) trying to reason with them, they're just not interested. Keep a copy of all your letters to them, and force them to write (not call) to you, as telephone harassment will be denied by them. Remember to log all telephone calls, note the time, date, and ask the name of the caller - then hang up. Don't feel ignorant, they are!

 

Send all your letters by registered post or ARC will also deny ever having received them. Keep your post office receipts too which are used as proof of letter delivery.

 

The best way to quieten them is to write to them, and allocate a named person to handle any future claims from ARC/ David Lloyd on your behalf. (Much as you would a solicitor, and any name real or otherwise will do) I made a nice name up, and then used c/o my own address.

 

That 'person' will then be the third party responsible for handling all future claims against you, which must be in the form of written correspondence. This means that you personally are not dealing with the claim, which in turn means any subsequent phone calls to you personally are contrary to the OFT guidelines. :)

 

Having delegated the matter to your selected person, and notified them of his or her name, and a valid postal address (Only! - No phone numbers!) for them to contact him/her strictly in writing only, then they are no longer allowed to contact the original person directly, either by telephone or by letter. If they do not comply with this you then have grounds for a harassment claim and can inform the OFT.

 

By using this method all further correspondence is done through a possibly very lazy third party that doesn't even bother to call round much to open his mail, let alone reply to it,;) and of course it's nothing to do with you.

 

ARC love making nuisance telephone calls, but hate writing letters. Especially when those letters cost them more to write and send than the phone calls do, and often go straight into the bin. There are laws, and OFT guidelines which must be followed by any debt collection agency, be aware of them, and of your rights, and use them to protect yourself.

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  • 2 weeks later...

My tactic is to just ignore their calls into eternity, it doesn't bother to delete a voicemail once or twice a week. Having read up on the subject, I have no intention to ever speak to them.

 

They may have sent letters, but to my old address so I haven't seen them. This is also due to a David Lloyd cancellation (the one in Kensington, London) because I moved house.

 

Ignoring a good tactic?

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