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Crs DCA and golds gym 'debt'


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Hi everyone

 

i received letter from the CRS saying i owe money to golds gym.

 

I had membership before with them

 

i cancelled and give them 1 month notice.

 

i miss one payment for the last month and now this agency ask me to pay 123 pound fee plus 45 for the payment.

 

i want to pay only what i owe.

 

I dont know what to.do

 

but i think is unlowful to pay this charges to CRS.

 

If anyone can help please ?

 

be much appreciated.

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1st

crs are a dCA

they are not bailiffs

and have

no such legal powers

 

on what date did you cancel?

 

on what date was your last DD payment?

 

what was the monthly fee?

 

dx

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 dx thank for reply.

 

I cancelled on 29 fevruary 2016 and my contract supossed to finish on 1 of march 2016.

 

I missed the DD for march by cancel it.

 

Then i move the house and i dint get any letter or phone calls from the gym.

 

The monthly payment for the gym was 35 pound.

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ok

adapt this letter to your details...

 

 

Dear sir or madam,

 

I refer to my membership at XXXXlink3.gifgymlink3.gif in [Town].

 

I cancelled my direct debitlink3.gif mandate on DDMMYYYY and this was adequate notice of my intention to cancel.

 

I now realise I should have paid a final month's fee to you for the notice period in the sum of£XXXXto you now.

I will not pay you any administration or cancellation fees - these are penalties that are unlawful and unenforceable.

 

If you confirm in writing that you'll accept the amount of £XXXX in settlement of all that I owe, I will pay you promptly.

If you fail to accept my offer within 14 days or you demand any other payment, I will pay you nothing and my offer will be withdrawn.

 

Yours faithfully,

 

Send this off to CRS and get a free Certificate Of Posting at the PO when you send it.

 

 

don't use email

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 Niz,

 

DX has given you a good letter to adapt and send.

 

Add a paragraph saying - "You should note my new address is [your new address] and you must use this for any further communication."

 

Keep us posted ...........

 

:-)

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close but no cigar for me then...:lol:

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 i just send the letter dint put this paragraph as i saw your mesage now :(

 

 

i hope it will help they ask for too much money i owe only for one month.

 

 

Can they send me to the court if i dont pay?

 

 

Is my mistake i cancel the DD and the gym couldnt get the last payment now i have to deal with this parasites.

 

 

I dont know why gym ask for 45 pound instead of 35.

 

 

Now CRS added 123 fee.

 

 

Total amount 168 pound wich is too much for one missed payment.

����

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stick to the letter

they've not done court since 2012

 

 

just remember a DCA is NOT A BAILIFF

they have

NO SUCH LEGAL POWERS.

 

 

dx

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 dx before i register in the forum and asked for advice

i sent them email because i was confuse anyway and i just get this email from them:

Dear Miss

 

Re: CRS Ref No: XXXXXXXX

 

Further to your email of 15th September 2016 we write to confirm that there is no mistake.

 

 

You yourself have admitted that you owe one month's membership fee.

One month's membership fee is £35.00,

 

 

however, the terms of your agreement allow Golds gym to apply a £10.00 administration fee for any missed payment,

and furthermore,

to pass onto you any costs in employing a third party debt recovery company if any amount due remains unpaid for a period of 30 days and any costs in tracing you should you have changed address without telling them.

 

On 7th September 2016 Gold Gyms have employed our services to recover the sum of £45.00 for them

(£35.00 membership fee and £10.00 adminsitration fee)

 

 

at that time you became responsible for our minimum fees of £87.00,

and our costs in tracing you to your current address (£36.00)

bringing your balance to the £168.00 we have asked for.

 

Payment can be made by Credit/Debit card by calling us on 01444 449165.

 

 

Alternatively, cheque/postal orders should be made payable to Credit Resolution Services and sent to CRS, 2nd Floor, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW.

 

A payment plan can also be set up if you are unable to settle in full, although we do charge a little extra for this.

 

If you are experiencing financial difficulty, there are organisations who offer free debt advice and assistance such as Step Change (0800 1381111), National Debtline (0808 8084000) and your local Citizen Advice Bureau.

 

Please ensure a payment or response is received within the next 7 days, so we can avoid further action being taken.

 

Yours sincerely,

 

David Castle

 

Collections Department

 

Credit Resolution Services and CRS are trading styles of Harlands Services Ltd. Registered Office: : 2nd Floor, Rockwood House, 9 - 17 Perrymount Road, Haywards Heath RH16 3TW. Company Registration No. 2982925. VAT Registration No. 799 7113 70.

IMPORTANT

This e-mail is intended solely for the addressee, is strictly confidential and may also be legally privileged. If you are not the addressee please do not read, print, re-transmit, store or act in reliance on it or any attachments. Instead, please e-mail it back to the sender and then immediately permanently delete it. Although efforts will have been made to ensure that this e-mail and any attachment(s) are free from software viruses you should yourself ensure that they are in fact virus-free. Please note that Harlands Services Ltd does not accept any responsibility for any loss caused by software viruses.

 

 

On 15/09/2016 10:39, Nin wrote:

>

> Dear Sir/ Madam

>

> Re: CRS Ref No: 8411587

> Golds Gym Ref.No :HOU06822

>

> The payment is incorrect and I only owe for one month as per cancellation shedule but will reply with a more comprehesive letter on the weekend.

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total bowlarks.

 

 

send that letter

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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I sent by post this morning the letter you sent to me. And i think i messed up the dates instead february i put march.i Was in hurry. Should i send another one or just wait for respond from them? I am Sorry i am litle worried because first time in such sutuation:(((((

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no need to worry

theres nowt they can do to you.

 

 

dx

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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Harlands took court action against a CAGger in 2015 and they made an absolute hash of it. See here - http://www.consumeractiongroup.co.uk/forum/showthread.php?431240-Harlands-CRS-**WITHDRAW-COURT-CLAIM**&p=4710039&viewfull=1#post4710039

 

This is the only case I've seen here in the last 5+ years so it was good to see them withdraw the claim.

 

You need to read other threads here and learn for yourself how unlikely it is for any court action or damage to your CRA files to happen.

 

Will you definitely get any reply that Harlands send to you at the old address. If you're not sure, you need to write a 2nd letter just saying what I put in post #6 above.

 

:-)

We could do with some help from you

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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

i will send another one letter next week and i will tell them to comunicate only at this adress.

 

 

But i made mistake with the dates as i cancelled the membership on 29 or 30 february 2016 i dont remember ...

..and then i cancel the DD on march 2016

 

 

I just missed one payment for march.

 

 

The letter i send to them today i put 30.03.2016.

Can i correct it on second letter or too late :?)

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cause you can

 

 

so just to be clear....

 

 

you cancelled 30 feb

 

 

you did not let the next DD AFTER feb 30 get taken?

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 Niz,

 

There's no 30th Feb, not even on a LEAP year !! :wink:

 

I suggest you send a second letter immediately to :-

 

1. Confirm that your letter should have said you cancelled at Golds Gym on 29th Feb, not March.

 

2. Confirm that Harlands/CRS must communicate with you at your new address.

 

When you cancelled at the gym, did you do this in person, by phone, by letter or email.

 

Were you on a 12 month m/ship and, if so, when did you join the gym.

 

:-)

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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Hi Niz,

 

There's no 30th Feb, not even on a LEAP year !! :wink:

 

I suggest you send a second letter immediately to :-

 

1. Confirm that your letter should have said you cancelled at Golds Gym on 29th Feb, not March.

 

2. Confirm that Harlands/CRS must communicate with you at your new address.

 

When you cancelled at the gym, did you do this in person, by phone, by letter or email.

 

Were you on a 12 month m/ship and, if so, when did you join the gym.

 

:-)

 

Hi i.cancelled in person at the gym .on 29 fevruary 2016 and my membership supposed to end on 1 march 2016 My contract was for 12 months. my mistake was to cancel DD so i missed last payment. I can send letter on monday :(((((

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Hi Niz,

 

If you cancelled on 29th Feb, the m/ship would not end on 1st March.

 

If it had been done correctly, after giving notice on 29th Feb, the next DD would be paid and the m/ship and access to the gym would end following month.

 

For example, you gave notice on 29th Feb, Let's say the final DD was taken on 15th March - your m/ship and access to the gym would end on 14th April.

 

Please confirm :-

 

1. Date you joined the gym.

 

2. Day of the month your DD was normally paid.

 

Send nothing more to Harlands until we've sorted this out properly.

 

:-)

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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Hi Niz,

 

If you cancelled on 29th Feb, the m/ship would not end on 1st March.

 

If it had been done correctly, after giving notice on 29th Feb, the next DD would be paid and the m/ship and access to the gym would end following month.

 

For example, you gave notice on 29th Feb, Let's say the final DD was taken on 15th March - your m/ship and access to the gym would end on 14th April.

 

Please confirm :-

 

1. Date you joined the gym.

 

2. Day of the month your DD was normally paid.

 

Send nothing more to Harlands until we've sorted this out properly.

 

:-)

hi slick 123 thank for your reply. I dont remember when i join the gym. The DD they took every 1 of the month. Last one was on 1 march. They gave me cancelation form when i cancelled but i bin it long ago. So just one payment i owe to the gym. :)

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Hi Niz,

 

Can you look back through your bank statements to see if you have paid 12 or more monthly fees up to and including the one paid on 1st March. Let us know as this is crucial to your case.

 

In your circumstances, because you gave notice on 29th Feb and you DID pay a further fee (on 1st March), I think you owe nothing more. But this is only IF you've now paid a total of 12 or more payments.

 

As a guide for the future, for a gym or any other m/ship, have a look here about how to cancel properly and avoid problems - http://www.consumeractiongroup.co.uk/forum/showthread.php?452671-Cancelling-your-Gym-Agreement-Get-it-right-!(1-Viewing)-nbsp

 

;-)

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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