Jump to content
  • Tweets

  • Posts

    • 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. 
    • hey no sweat any defaulted accounts vanish from your file on the defaulted dates 6th birthday paid or not, paying or not. doesn't mean the debt is not still owed mind.   as you've been paying for 6yrs+ pers i think i'd simply stop payments on that one too. ignore everyone, and of course abide by the golden rules   never ever talk on the phone about your debts, esp to a powerless DCA they ARE NOT BAILIFFS and have  ZERO legal powers on ANY debt no matter what it's type.   they'll eventually, like the OD debt, they'll sell it on.   if either of those happen and you get a Notice Of Assignment pop back here and we'll advise further.   in the meantime don't move without informing creditors.  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 3171 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Not sure if anyone can help but


just had a hand delivered letter posted through my letter box for A liability order against me for none payment of council tax to the value of £4129.05 plus £24.50 costs.


It is demanding full payment by 19.02.12 (today is the 14th ) or an agreement of £379.05 up front followed by 10 weekly payments of £375.00.


Nobody has spoken to me to find out what my income is or my situation, I honestly don't think it's worth phoning them to explain.


I have just been made redundant from my job and i am in receipt of contribution based Job Seekers @ £67.00 a week,

my husband has just been put on short time and only bringing home £145.00 a week and I am not being offered any help towards my rent due to my son earning £120.00 on an apprenticeship.


I appreciate that I owe this money and it does have to be paid but I have never spoken to anyone from this company

and the Council Tax are not willing to take the debt back.


What rights do these bailiffs have can they come in.


My neighbour has informed they popped round the back of my house is that legal..


Please help. Thank You :sad:

Link to post
Share on other sites

DO NOT PHONE THEM.....Right they have no right to enter property unless you let them in or you leave a door or ground floor window open. there is two ways to deal with it one is to pay council direct using the councils online system, but keep them regular. You may be classed as vulnerable (others will know better if you are then the council have to take it back) Right lets deal with bailiffs threats

1 They can not force entry or get a locksmith to let them in

2 Dont let them in at all keep curtains downstairs shut (normal trick is can I come in to set up payment plan they then do a levy on goods) so keep them on the door step.

3 They can not get you sent to prison

4 They dont have a van round the corner to get the goods if you dont make a payment

Keep door locked and speak to them through letterbox if you have to speak to them however you dont have to speak to them, if you have a vehicles park them away from property and get back garden secured. I would start paying council via online (what you can afford dont pay what you cant afford) once bailiff realises his threats arent working they will send debt back to council then you can show council you have made payments on a regular basis and they should allow that to continue. but DONT RING THEM that is what they want you to do they are experts at scaring you with all sorts of threats.

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

Link to post
Share on other sites

just look around here on forum theres loads of advice about bailiffs/vulnerable status

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

Link to post
Share on other sites

I'm not judging by saying this but to owe that much must mean this has gone on for 2/3 years or more and you will have more than 1 Liability Order against you. You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement


The Council can take things further if it appears they think you are wilfully refusing to pay. The ultimate sanction is for them to ask for a Committal Hearing where you can be asked to explain why payments have not been made and this can result in a term of imprisonment as a last resort. They can also make you bankrupt and if the house is your own can be made to sell it and saddle you with all the costs which could run to £30k or more.


Now the bad bit is out of the way there is a way to move forward and that is to pay the Council direct using online banking, Council website or automated phone. You may have to budget extra for lawful bailiff fees. If you do this it shows a willingness on your behalf and would make it hard for the Council to go ahead with further action. If you do do this then pay a regular amount at set intervals - £10 every Thursday for example.


You must remember that Council Tax is a priority debt which must be paid ahead of bank loans & credit cards. The 1 April is fast approaching when the new CT year starts and the worst you can do is to ignore that as it will only compound your problems.



Please consider making a small donation to help keep this site running




Link to post
Share on other sites

If a bailiff were to come into your house he would need to levy upon goods for approx £30,000 or more (auction value) to cover a debt for this much. There is no point at all in allowing the bailiff to have entry into your home as this will make your situation much worse and the fees would be simply unaffordable.


Given the size of this debt, it is very important indeed that you are able to demonstrate to the council that you are willing to make monthly payments against this debt as otherwise, there is a serious risk that you could be taken to court on that basis that you have "willfully refused" to pay your council tax. I am very surprised indeed that the council have issued Liability Orders for previous years any sooner. They should not have allowed the position to get this serious.


Please ensure that you put a payment proposal in WRITING to the council and I assume that you have applied for council tax relief following the recent job loss.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...