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    • And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused. It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want
    • A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.   Please don't be vague about any details that you give us if you want help. Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently
    • regardless to whomever have been involved and what happened ... police, court, bloke that collects the trolleys in the carpark   ..you TOTALLY ignore the likes of DWF and RLP no matter what   dx  
    • pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason. they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.   cut the DCA of totally ring up the VETS and set up an affordable repayment schedule with THEM directly but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.   dx  
    • Thanks for responses.   The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider   The answer provided in respect of the income form is great.   The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.   Thanks again 
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Advance gym - Harlands/CRS/Spratt Endicott


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Hi all! Great job what you do here.

 

On February i became a member of Advance Gym, it was a monthly pay membership so i paid the first membership on cash in advance when i started at the gym and i took the introductory session. I didn't like the gym and i cancel the DD and never came back.

While after started the letters telling me that i owe 1 month, and after Harlans and CRS, now Spratt Endicott in asking for 156.49.

I sent on June a mail to the gym through the web web page and the told me that i breached terms and conditions as i did't gave one month notice.

 

Should i get an agreement and finish this? Or just ignore them?

 

Thanks in advance for your help guys!

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welcome aboard.

 

 

well you've been doing good by reading around

so you probably know to ignore all the silly threat-o-grams

 

 

they cant hurt you or your credit rating.

 

 

I'd simply write them a letter

like the ones you've seen by slick132

offer 1 month payment

and debunk the unlawful penalty charges.

 

 

see what they say

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi North and welcome to CAG

 

Have you looked at the T&C's for this gym's m/ships to see what's said about cancelling after your first visit.

 

1. Where is this gym located.

 

2. Where did you actually sign up, in the gym or online.

 

3. Were you given any T&C's when you signed up.

 

Ignore Spratts for now until we know more. Stay OFF the phone completely.

 

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The gym is in Reading. I sign up on the gym, i cant remember about T@C signed but probably i did. T@c say that you can cancel a suscription in the first 14 days, but i dint, anyway was not a minimum of payments stated as was a monthly membership

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Hi North,

 

I sign up on the gym

 

I assume you meant you signed up IN the gym but please confirm. Whether you meant IN or ON in your sentence could make a big difference.

 

Are you sure you signed up to a monthly membership with no minimum 6, 11 or 12 month agreement ?

 

If you were definitely in a month-by-month agreement with no minimum term, then use one of my letters to offer Harlands 1 months fee for the notice that you should have given. As DX says above, there are many examples you can find here.

 

If you can find the T&C's, copy agreement or copy Bank DD Mandate, these will help you determine if you were committed to a minimum period of m/ship or not.

 

:-)

We could do with some help from you

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                                            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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Hi North,

 

You could adapt this letter - http://www.consumeractiongroup.co.uk/forum/showthread.php?464998-Xercise4less-crs-spratt-edicott-once-again&p=4815303&viewfull=1#post4815303

 

Change it to reflect that your case is about a month by month agreement.

 

Post a draft here for checking before you send it, if you want. And get a free Certificate of Posting from the PO when you post the letter.

 

:-)

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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