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    • well you could go down the covid route and ask for a payment break etc etc but thats really only delaying the inevitable. but if you did that would only p'haps be worthy to lloyds when ws this A/C opened and has the allowed OD amount slowly crept up when they've given more and more to you?   as for everything else..you seem to have my ideas correct.   i've moved your thread to the debt self help forum. there are numerous like threads here to read.   dx      
    • Hi Consumer Action Group,   First time posting here because I don't know where else to go.   I've cancelled my gym membership with gym in February 2020 because of Coronavirus and my financial situation. This is done within my terms in contract, gave them 1 month notice in writing and everything went smoothly with the gym. They told me from their side it's cancelled and I didn't hear from them since then. They told me (face to face and on email) to contact DFC - Debit Finance Collection plc., company who collects debits for them to cancel my debit collection contract with them. I contacted them and explained situation (on the phone and via email). Everything was sorted and I got confirmation that debit collection is cancelled.   Recently I got the email that I'm due a payment for a September for gym that I haven't attended from February 2020. Then they sent an email that they couldn't take a payment. That's because I removed that debit payment from my bank account. I called them again to cancel that, that I won't pay anything because my contract is already cancelled but they told me that my gym membership is still running and that I need to pay termination fee. They are now contacting me with emails and SMS to pay the amount for September and extra charge of £15 for missing a payment within 7 days.    Weird thing is, DFC never contacted me for any payments from March to August and they now asking for monthly payment.   Reading other threads on this forum on Gym and Health Clubs membership cancellation and issue with DD, I get the feeling that I should just ignore them.  Can you help/confirm what are my next steps, should I just keep ignoring them? I'm getting angry with DFC because they don't want remove my details. I asked them to cancel and remove everything because of GDPR.   Thank you for reading my case.
    • Thanks - thread titled amended to show this.   UKCPS certainly confused me with their non-address.  The thickos haven't clearly shown where you parked which is in your favour.
    • Just to fully understand. : I should stop paying : HSBC credit card and Overdraft Ask for CCA from cabot   How about very recent LLOYDS overdraft debt.  Just got the letter today stating that they defaulted this account and collection depart. will contact soon to arrange repayments.   I guess I just need to wait to see what they will come up with.    But before any of that I should write to all creditors to inform them that I will stop paying them? Due to my bad financial situation?    I know I'm asking a lot but appreciate your help Sir.  E. 
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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.
       
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      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.
       
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RBoS reply to Prelim....any advice, please?


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Hi,

 

Received a paltry offer from RBoS in reply to my Prelim letter (I'd already SAR and sent them the Spreadsheet etc). The balance is only a few hundred and the Charges etc in a refund would wipe it out...

 

I was looking at the Template letter but I was wondering if anybody can link me to any rejection letters that they can remember seeing on any of the threads, please?....I've read a few crackers over the past few months but can't remember where....

 

Thanks in advance....

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Thanks again for the support...

 

Slick, I started a thread in the relevant forum but nothing doing response wise....I realise this is the wrong place but is this letter ok to send in response to their pitiful offer? Can you advise, please? (it's just that I want to get it away asap....sorry if I'm out of order posting it here...I'll delete / edit it as soon as...)

 

Response to settlement offer.

 

Account Number.

 

Dear Sir

 

Thank you for your letter dated xxxxxxxxx. I respectfully decline your offer of £xxxxx as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxxxx

 

I wrote to you on xxxxx making the original request for a payment in full settlement of my claim. As I have not received a satisfactory response, I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the court.

 

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the court will rule in my favour. As I am sure you are aware, the Office of Fair Trading also stated in its April 2006 statement into credit card charges that it considers charges are at a higher level than is legally fair.

 

I have, again, attached a full schedule of the charges with this document.

 

I would also bring to your attention that you have admitted in your letter dated xxxxxxx that you were unable to find a true copy of the original agreement. I find it difficult to believe that you have mislaid such an important document as the copy of the credit agreement.

 

It would appear that you have failed in your obligations to comply with the various anti money laundering regulations in not keeping such documents. This, as I’m sure you are aware, is a very serious offence.

 

I look forward to a full response to this letter within 14 days, otherwise I will commence court proceedings to reclaim my money.

 

For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

I trust this clarifies my position.

 

Yours faithfully

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Hi BL,

 

I've moved your post into this forum where it belongs. :)

 

I think the two paragraphs about them not having the credit agreement are irrelevant to your claim for refund of penalty charges.

 

If they repay the charges and this wipes out the debt, the enforceability of the debt will not matter.

Edited by slick132
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No problem....thanks for the advice....I thought it might be useful as a tool to use against them....I'll take them out....

 

Regards....

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