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Hello,

I have a problem with Esporta. I signed a contract with them in June 2005 and only attended the gym for three months. Each month i paid £63 membership. I then accepted that i had got myself into a mess financially and was un able to keep payments up. I was unbale to use the from September onwards and i kept no contact with them as i was keeping my head in the sand!

About two months ago i recieved a letter from a debt collectors asking for the remianing £591 on the account.

Obviously as i only attended for three months i felt this to be a little harsh. I have contacted them and asked for them to give me a fair settlement fee which they refuse to do. I have made a payment of £100 bringing it to £491. In total i have paid them £289. Not bad fro three months!

I have sent a letter to the head office asking them to write the debt off but just got a standard letter back saying " Tough Luck, we want our money".

I know i signed Terms and conditions agreeing to the contract and its length but i think £780(which is the final combined total) is a bit steep for three months use.

 

Just wondering if there is anybody else out there with a bit of experience in this sort of matter that can offer me any advice.

 

Cheers,

Sean Whittaker

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hi sean try some of the template letters in the debt and baliffs section follow this thread

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

and start a thread in this section too they have a lot of knowledge of that sort of thing there

best of luck

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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  • 2 weeks later...

Hey,

 

Firts of all a big thank you to Countrybake for your reply.

 

I had a look at the letters you attcahed to me and used them. To be fair i had just about given up when i offered Esporta a token offer of £100 for full and final settlemant of the account and they accepted. Taking into account the fact that i had already paid £289 plus the latest £100 to them they still did ok out of me. The people who dealt with me did very little other than send standard letters. In my last letter i explained that i was near personal bankrupcy and if they did not accept the offer i would set up a direct debit for £5 per month. They have decided not to take a risk on me and accept. I also offered them a copy of my personal budget sheet which i think helps let them know that you do have money problems and have some sort of organisation or system in place for all bills.

 

Many Thanks

 

Sean W

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Good for you :)

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thats it get on top of it before it gets on top of you

well sorted

 

sean did you not start your own thread in the debt section their are a lot of experienced people there that know thier stuff with law and they may advise how you could claim something back

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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