Credit Resolution Services - Where do I stand?

[Duckers]

Hi there.

 

In 2009 I got a 12 month membership at my local gym, however because I soon was made unemployed I couldn't keep up the monthly payments of £28 and so the outstanding balance of £325 was passed to CRS. I then set up a £10 a month direct debit payment with them for which these highway men put an additional bunch of charges on which the outstanding balance then became £627!

 

Now to the present time I have been paying these direct debits of £10 regularly each month however last month my bank delayed the direct debit to a day when there wasn't enough money in my account to cover the direct debit. I then got a nice letter from CRS saying they were putting an additional £25 admin charge and will reschedule that months direct debit for £35. Now I refuse to pay that as I cannot see how they can justify such a charge considering how much the bumped the balance on the debt up anyway so cancelled the direct debit.

 

My question is this. the orignal debt was £325 and I have now paid CRS a total of £320 which is nearly what the original debt was. Where do I stand by just paying them the £5 and then telling them where to stick the additional amount of money they bumped on the original debt?

 

Thank you in advance!

 

Duckers

[PGH7447]

go for it, what they going to do take you to court for their nefarious charges, doubtful, alternatively send them a letter and demand that they supply a statement of accounts and then get them to "explain" the added charges, see what pathetic excuse they come up with. and Cancel that Direct debit

[Duckers]

Ok thank you thats just the good news I wanted. The direct debit is already cancelled so that's not a problem. Is there a link anywhere for a template for such a letter and would I be wise settling the last £5 with a postal order with the letter and sending it recorded delivery?

 

Duckers

[BRIGADIER2JCS]

Yes go ahead and send the last £5 but make it clear that you accept no liability of the added charges, no doubt though imo they will pursue them.

[Bazooka Boo]

And once you have paid the final £5, you MUST ensure that even though you cancel your DD with the bank, that under no circumstances are they to allow CRS to take any more money from your account.