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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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David Lloyd probems.


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Hi Vondoothoven,

 

Firstly, do not discuss this by phone any more and keep everything in writing only. That way, you have a clear papertrail which is important.

 

Secondly, ignore ARC for now. They are a powerless pain in the rear and there's nothing they can do to force you to pay in the way, or the amounts, that they demand. The admin fees they are trying to charge are simply penalties and they are unenforceable, despite what they'll try to tell you. If ARC call again, tell them to put anything they have to say in writing and then HANG UP !

 

Don't worry that you may have offered to pay by post-dated cheques - you've taken advice and, now you know your rights, you'll only pay them what you owe, in a manner that you can afford.

 

Thirdly, I'd like some info :-

 

1. What was the monthly m/ship fee.

 

2. When did the initial 12 month agreement expire.

 

3. When did you cancel the DD Mandate.

 

4. Did you, in fact, pay the first 12 months' fees as required, in full and on time.

 

I wouldn't worry with the local papers. The truth is that you've been caught out by the 3 month cancellation clause because you failed to read the T&C's about m/ship properly. You're not the first, nor will you be the last !! :wink:

 

:-)

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Hi Von and thanks for the info above.

 

Regarding bailiffs turning up to seize your car, that's simply NOT going to happen.

 

Ok, so you paid the fees last year in one go and there was no DD mandate.

 

Ignore ARC and write to the gym saying:-

 

I have received demands from ARC seeking payment of £723.50 which I entirely dispute.

 

As you are aware, I called the David Lloyd head office on 15th November confirming my anger at the demand and my wish to cancel membership with immediate effect.

 

I am willing to pay you one month's fee for the notice period (about £50) but I will not pay the ridiculous amount demanded by ARC.

 

I will not pay you 3 month's notice fee The initial minimum membership period expired on 31st October and 3 months notice is not reasonable according to Mr Justice Kitchin in his ruling on The OFT -v- Ashbourne Management Services Ltd last year.

 

If you confirm the amount due for one month and you agree to accept that amount in full and final settlement of all sums due from me, I will arrange payment within 7 days of your letter.

 

If you fail to accept my offer within 14 days, it will be withdrawn and I shall assume you have let the matter drop.

 

See how they respond. :wink:

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Hi Von,

 

Now my brain's hurting !!

 

I can see figures mentioned of £723.50, £602.90 and £70, but I have no idea how the amount of £241.18 comes into it all.

 

Anyway, amend my suggested letter as necessary and send it off to DL's HO address.

 

And, just to satisfy my curiosity, how does the amount of £241.18 fit into the equation ? :???:

 

Please also post up a copy of the final letter to them.

 

:wink:

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  • 2 weeks later...

Hi Von,

 

Sounds like their letter of 12th Dec'r was NOT a reply to your offer.

 

Wait for their next letter and see what they say about your offer to pay only one month's fee as cancellation notice.

 

:wink:

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Hi Von,

 

If ARC call again, tell them to put it in writing as this will always buy you a bit more time and peace !!

 

Ombudsman is not able to deal with gym matters and the OFT will only log your complaint - they can't and won't offer advice or intervention.

 

:-)

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Dear sir or madam,

 

I refer to your letter of xxdate.

 

I made an offer to pay the gym £50.24 which, so far, they have failed to acknowledge, despite the fact that my offer was for a limited period of 14 days.

 

I therefore have no reason, nor the desire, to contact you as you suggest and I will ignore further communication from you.

 

Yours faithfully,

 

:-)

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  • 2 weeks later...

Hi Von,

 

I assume they refer to your offer to pay by post-dated cheques which you mentioned in your very first post above,

 

I see no reason to respond to ARC further as you've already made your position very clear in the letter in post #18.

 

:-)

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Yes, funny how they've flipped it all around.

 

You've made your offer to the gym and they failed to accept it.

 

Tough on them, is what I say !

 

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Keep the receipt safe in case it's needed later.

 

Otherwise, ignore them.

 

:wink:

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  • 2 weeks later...

Although I'm inclined to ignore ARC's letter, I think a brief reply should be sent :-

 

Dear sir,

 

I refer to your letter of xxdate.

 

In my previous letter to you of xxdate, I made it very clear that this matter was in dispute with the David Lloyd gym, who failed to acknowledge my offer to them.

 

I look forward to receiving the Court Claim which I will vigorously defend. I have already told the gym I will rely upon the precedents set in the High Court by Mr Justice Kitchin in his ruling and Penal Order made against Ashbourne Management Services Ltd in 2011.

 

If you choose not to issue proceedings but, instead, continue to made demands for payment, I will make a formal complaint about your actions to the OFT without further warning.

 

Your faithfully,

 

No need for Rec'd Del'y on this.

 

:wink:

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No, I'd just send the letter on it's own.

 

You have no need to deal with ARC or prove anything to them.

 

If they are serious about preparing a court claim, let them do it and we'll deal with that as necessary.

 

If they fail to take the action they have threatened, that will speak volumes in itself.

 

:wink:

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  • 2 weeks later...

Hi Von,

 

And there was us, expecting them to confirm court action was being taken because it's over 10 days from their last threat.

 

Ignore this completely - there's nothing you need add to what you've already told the gym and ARC.

 

Maybe the amounts differ because they are adding admin fees. :?:

 

You made a reasonable offer and the gym failed to accept it. If they want to take this to court, you have every chance of success.

 

Let them stew .............. :-D

Edited by slick132
typo

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Thanks for replying to my PM.

 

You no longer have the m/ship agree't which I wanted to check.

 

If they persist with demands, I may ask you to request the agree't from the gym.

 

:-D

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Hi Von,

 

Re your PM, you're absolutely right to ignore DL's text asking you to call a number urgently.

 

If they have anything to tell you, they'll have to write !!

 

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  • 2 weeks later...

Yawn...........

 

Issue court proceedings (which will be properly defended) or shut up !!

 

Just ignore............ :-)

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I drew a blank when I used the link.

 

Can you check it and link again, thanks.

 

:wink:

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Write to the gym and copy to ARC saying:-

 

If you continue to plague me with repeated phone calls, a formal complaint for harassment will be lodged with the OFT.

 

ARC have already said that court proceedings will follow and I will defend such proceedings as necessary.

 

In the meantime, you must cease your campaign of calling.

 

I also reserve the right to take court action against DL seeking damages and costs for harassment.

 

:-)

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If you want details of the OFT contact that I've been liaising with, let me know and I'll fwd to you by PM.

 

:wink:

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If it's already gone, leave it at that for now.

 

If they fail to acknowledge within 3 weeks, let me know and I'll send you the contact info to resend.

 

:wink:

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Hi Von,

 

In response to your PM, I've sent you the OFT contact details to file a complaint against DL and ARC for continued phone harassment when the matter remains in dispute.

 

Good to hear you're logging time and dates of all calls.

 

:-)

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  • 2 weeks later...

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Hi Von,

 

It's not really a second complaint - just an update of further action by the gym and/or admin company which you feel is unfair to you and that the OFT can note for their own purposes.

 

:-)

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  • 3 weeks later...

Hi Von,

 

In my opinion, no reply is required to this.

 

See what the delightful ARC come up with next ..................

 

:wink:

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Hi Von,

 

Are you certain this is about the DL m/ship.

 

I only ask because Scotcall are not normally used for gym debts.

 

Also, where would they have the old address from. How long ago did you move.

 

Depending on your replies, I'll advise on a response.

 

:wink:

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Reply to Scotcall saying :-

 

I refer to your letter of xxdate.

 

DL are aware of my new address as shown here above.

 

This matter is in clear dispute and, unless you want to be included in an official complaint to the OFT, you should cease making demands immediately.

 

If they turn up on your doorstep (unlikely), read this - http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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