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    • 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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    • 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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DCA Listed Old UK Non CCA Debt as Collection on Canadian Bureau


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Before leaving the UK we tried to settle with UK creditors usually letters and statement of our finances. None were willing to frezze interest or accept a good will reduced payment arrangement until we were better able to repay debt. After trying and failing to get them to accept any affordable offer we started to surf the net and found this web site. We sent various CCA requests to creditors and only recieved application forms and incorrect T's & C's.

So as debt unenforceable we sent another template letter stating same, after this we received DCA letters saying debt has been assigned and other bull. Now three years later a British Columbia DCA has placed an amount listed as For Collection on our Canadian Credit Bureau. Firstly there is no CCA for this debt or CCJ. It is my understanding that a DCA cannot simply register a debt in a country where the debt was not originated without gaining a UK court order and then via the reciprocal agreement get it enforced in Canada if then any court ordered repayment plan was breeched an order could be sought and the debt could then be placed on the bureau.

 

Any help would be truly appreciated please don't leave this post unanswered.

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Have you actuall gained any proof that it is the same DCA ?

 

Have you compared the debt on your English credit report ?

 

It is highly unlikely that the debt is the same, especially the amount of work and cost it takes to track someone down in the UK, never mind Canada - then signing a contract with the canadian credit bureau just to register the debt - who was this company, and how much was the debt for ?

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  • 4 weeks later...

The debt was £9k in UK unsecured CC no CCA, no CCJ. Sold to various DCA's now in BC with DCA who's registered as collection against canadian credit bureau.

 

Now that's no legal.

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