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    • its a 12mts contract else why would it say till 2021 and first month..   simply states they don't charge a joining fee clever marketing ploy as people don't read things. it IS a monthly payment, that runs for 12mts.   but anyway there is stuff and all anyone can do to you.   dx        
    • Hi Slick,   Amazingly fast reply, thank you!   According to the reference on the payment it says "ON 24 SEP BCC" and the payment cleared 25th September at 11:26   I was simply told to sign up on the website by a staff member in the gym, no further information was given to me by them. The website stated that it's a rolling monthly membership that could be cancelled at any time "No contract membership JUST £14.99 a month, until 2021*" As far as I am aware there was absolutely no minimum membership length, unless there's some small print I've missed somewhere. But Harlands haven't mentioned anything about me being obliged to pay for a certain length of time so... I've attached a picture to this post of what I signed up for.   Also, I'm not sure if this has any relevance at all but the building is plastered with £9.99/month signs EVERYWHERE yet it costs £14.99 when you go on the website. False advertising 🙄 Could perhaps use that as leverage in a letter if it comes to it, I dunno? 😂
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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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      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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advice in what to put in letter to debt collector


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I'm slowly sorting out my debts and am in the process of writing afew letters to numerous debt collectors offering small token payments can anybody offer me some advice in what i should put as i don't want to get it wrong.

Thanks

I've tried looking in the letter templates but can't find anything.:confused:

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Why are you involved with "Debt collectors"? silly question I know but have you CCAd them and what kind of debts are they? Are they harassing you, visiting you or phoning you?

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Its for a debt with bt,long story i changed supplier was told by bt that my contract was up in afew weeks so went ahead with switch.Then found out that my fone line rental was for 12 mths but my broadband was a 18 mth contract and this debt is for ending broadband contract early,contacted bt and was told that as it had been passed onto dc that there was nothing they could do.Even though this is all there fault.i thought i was doing the right thing by phoning them to check first but obviously i was wrong.

I'm only owning up to pay this debt because they've threatened to add on almost £70 in charges etc and can't afford to allow this debt to get any bigger.I've only ever spoken to them once on the phone to dispute this debt.But i can't see anyway of getting out of it.

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Why don't you send all your debtors a CCA letter.

 

Then the one's that can't produce a CCA don't pay them, the one's that do send one check the CCA first to make sure it is what they say it is and was signed/dated by you, and if it is the real thing then offer only small payments.

 

Chances are that if you have 10 debts to pay off 7 of them will not have a CCA or one that can be produced in court.

 

Will save you loads of money in the long run.

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No sorry I replied before I saw your other reply about what debt it was!

 

Not sure about utility bills but someone will come along any minute than can help you.

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OK

 

Don't ring them anymore... make sure everything is in writing. How has the DCA been communicating with you?

 

Do you have a contract for the account? Who is threatening to add on the charges and on what basis? Are these charges set out in a contract?

 

Before you write any letters, make sure you are in full command of all the facts about what you owe and what they can do. Don't give in to being bullied:)

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Thanks anyway,I've steered well clear of credit cards and the one credit company i do owe i'm on top of my debts with them.

Its debts from other addresses i've lived at over the last five years which are coming back to haunt me most i don't even owe them the money they say i do.

One more thing i've noticed recently that i've severne trent water have applied a debt on my credit file which is for an old address,i wasn't living there at the time they say the debt is for so i'm in the process of disputing are they allowed to do this,they put this on my file in 2006.Can i do anything about this to get it off?

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I phoned them because the letter they sent me stated it was for bt and as i wasn't aware of a debt with them i wanted to know what the hell it was for.

Had a very quick conversation with them disputed this debt and told them i'd be contacting bt myself.i did and was told by bt they would contact the dc for me to arrange a payment plan.Didn't hear anything for afew weeks then got a letter off a solicitor saying if i didn't pay with'n 7 days they would seek further costs and would take me to court.

Not sure on what to do next.

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ok lets try and get a lid on this.

 

no dca can add charges or interest fullstop!

 

can you give a full breakdown/story on this debt with BT,

you indicate its by default because you cancelled BT BB early?

thats not true either.

 

if its wescott and their in house sol, they take it with a pinch of salt.

please remember that NO DCA, nor their 'in-house' solicitor HAVE ANY LEGAL POWERS!!

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I have no idea what the full brekdown of this debt is.

I got a final bill from bt for about 39.00 for calls made.Paid this.

Then heard nothing for about 3 months

Then got a letter from wescott saying i owed bt just under £200.So i phoned bt and the told me it was for bb rental for ending contract early,which worked out at around £30.00 a month.I ended the contract in feb,and the contract wasn't due to end until august so i've been charged 6 mths rental charges.

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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