Credit Resolution Services.

[djcuts]

Hi Slick.

 

Thanks for the post, I never got round to sending the letter above.

 

I have now had a new letter, looks like they are wanting to start again from square one.

 

Please take a look at the attached and let me know if I should just send what you posted above or if I should add anything else in light of this new letter.

 

Regards

 

DJC

[slick132]

Hi DJC,

 

Make sure you send this one !! Check it through to see everything is correct.

 

Dear Mr Castle,

 

I refer to your letters of 18th October and 8th November.

 

If Harlands/CRS had the desire to resolve this case, you should have done so many months back. Last contact from you was 18th February this year so you have left this for almost 9 months.

 

Furthermore, in your letter you now refer to matters that took place in December 2011, almost 2 years back.

 

Everything that Harlands ever needed was on-file and I am not now minded to assist you in any way. In fact, if you contact me once more, as Harlands, CRS or Equidebt, I will make a further report to The OFT and I will take court action myself against your client gym and yourselves. My action will be to seek damages from you for harassment and to ensure that you are not able to bother me further.

 

I trust I make my position clear.

 

Yours sincerely,

 

Edited November 11, 2013 by slick132
9 months

[djcuts]

Hi Slick.

 

Thanks. I will get this posted tonight. Do you recommend that I send this recorded delivery or just via normal post?

 

Thanks

 

DJC.

[slick132]

Normal mail is fine.

 

[djcuts]

Hi Slick.

 

The attached letter is in the outbox for today's post, thanks again for your help

 

DJC

[djcuts]

Hi Slick.

 

Not checked my personal email for a while, but when i did I found this sent from my good friends at CRS on 26 Nov:

 

==================================================

Dear Mr XXXXXX

 

Re: CRS Ref No: XXXXX/ XXXXXX Health and Fitness Ref No: XXXXXXX

 

Following your recent letter, we have again reviewed again and believe that the balance owed is fully justified.

 

However, to bring this matter to an immediate conclusion and as a gesture of goodwill we are willing to accept payment of £60.00 as full and final settlement if paid by 30 November 2013.

 

Please contact us on 01444 449165 to make payment so we can then close your file.

 

Yours sincerely,

 

Rob Avery

 

Collections Manager

 

 

==================================================

 

What do you think to this??

 

Regards

 

DJC

[slick132]

Hi DJC,

 

I think they are trying their luck and know they have nowhere to go with this.

 

If they were serious about court action, etc, I think they'd have done it by now.

 

I would completely ignore this now and not bother wasting another stamp on them. I'd not even bother sending an email response.

 

If they want to take court action, let them bring it on and you can can defend.

 

[djcuts]

Hi Slick.

 

I ignored the email. Now I have had another letter, this time saying they are going to pass on to some debt collection agency called Zinc. Please see the attached and let me know what you think?

 

Regards

 

DJC

[renegadeimp]

Tell them if they pass it on, you will be left with no choice but to complain to the regulators about their actions.

 

Also, a DCA who doesnt own the debt, saying they will pass it to another DCA ( who is part of the same company), this is in breach of OFT guidance.

 

As stated previously, they are trying their luck as they know they dont have a leg to stand on, but being a lowlife DCA, they are trying everything to get money out of you.

[slick132]

Hi DJC,

 

More waffle and no court action, as we expected.

 

I would ignore this but let us know if Zinc contact you.

 

[djcuts]

Hi Guys.

 

Thanks for the replies. I REALLY appreciate the ongoing support on this

 

Regards

 

DJC

[djcuts]

Hi Slick.

 

I have today received an email from this Zinc outfit. Please can you take a look and let me know your thoughts.

 

many thanks

 

DJC

[slick132]

Hi DJC,

 

If this wasn't so annoying, it'd make you laugh!! I see from your posts some 18 months ago that CRS sent you a Final Demand! It makes it harder to take Harlands/CRS seriously at all. They just don't know when to stop.

 

Fire a reply to Zinc saying :-

 

This matter is in clear dispute and Harlands/CRS have breached OFT Debt Collection Guidelines in passing the debt to you to pursue.

 

If you contact me again, you will be included in the Formal Complaint being made to the OFT about the actions of Harland/CRS.

 

And a letter to Harlands :-

 

Despite my warnings about you pursuing this matter and the fact that the dispute has not been resolved, you have passed this alleged debt to Zinc to recover.

 

A further formal complaint about your activities will now be sent to The OFT.

 

Thinking about how this has been going on for 18 months and more, this could be regarded as harassment and I think you should seriously consider taking court action against the gym yourself.

 

If we give you help, is this something you're willing to consider now. Or would you rather simply ignore their silly threats.

 

[djcuts]

Hi Slick.

 

Thanks for your reply. I will send these replies as soon as I can, I take it a reply to the email to Zinc should be ok, or should I put it in writing?

 

I would like to take court action, but not really with the gym, It is more the Harlands / CRS lowlifes I would like to seek retribution against. I am not sure the gym have really had anything to do with this. But i would be interested in knowing what my options are.

 

Regards, and thanks, as always, for your support

 

Regards

 

DJC

[slick132]

Hi DJC,

 

An email to Zinc will suffice.

 

Action would be against Harlands as they are administrators and your m/ship agreement is effectively with them.

 

[djcuts]

Hi Slick.

 

I sent email to Zinc last Friday and not had a reply as yet. Letter was sent to CRS on Monday so they should have had it by now.

 

So do I now need to make a formal complaint to the guys at the OFT and what are my options in term of taking action for harassment against CRS?

 

Many thanks

 

DJC

[slick132]

Hi DJ,

 

My inclination is to wait a few more days to see if either reply at all, or make any further demands.

 

Decide what action you take next when you see if, and how, they respond.

 

[djcuts]

Hi Slick.

 

Just thought I'd post to say that I have not as yet had a reply to either my email to Zinc nor my letter to CRS/Harlands.

 

 

Regards

 

DJC

[slick132]

Thanks, and I'd say no news is good news for now

 

[djcuts]

Hi Slick.

 

Still nothing from Zinc nor CRS/Harlands. Could it be that they have finally seen sense and given up??

 

Regards

 

DJC

[slick132]

Hi DJ,

With these muppets, there's really no guarantee that they've dropped it for good. However, the signs are very good for you now !

 

If Harlands come at you now, you can very reasonably say, "If you seriously thought I owed you money, you should have taken court action by now."

 

Six months of no bother is good and thanks for the update.