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    • From the Guardian on Operation Moonsh*t and the quick tests.   https://www.theguardian.com/society/2020/oct/19/operation-moonshot-pilot-of-rapid-covid-tests-under-way-in-nhs-hospitals
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
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      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Xercise4Less/Harlands/CRS/Spratt endicott

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I am currently experiencing problems regarding a £207.47 debt I supposedly owe to Harlands/Xercise4less despite having terminated my 12 month contract back in April this year!!


I joined Xercise4less in Leeds in February 2015 - I signed up to a 12 month membership (the minimum duration) £9.99 p/m. Despite having used the gym a total of less than 10 times in the whole year, I held up my end of the contract and paid for the full year.


Due to payments having not been taken for January and February 2016 (as the gym was shut due to flood damage) I was unsure whether this meant my contract would be extended to make up for those two months... Once the gym reopened, I rang the gym 3 times:


1) The first time I was told by a member of staff that he would send me a cancellation form. I never received this.


2) The second time i was told i had been misinformed and that the only was was to cancel online.


3) The third time was to seek advice as i had been experiencing problems with their cancellation page, but they told me to try again at a later time.


In the end I had definitely submitted something online but whether it was done correctly i dont know.


To be honest, i was so fed up with the hassle of trying to terminate a simple gym membership that i hadn't even used yet fully paid for (and continued to pay for until april!) that I resulted to seeking advice from my bank and they advised me to just cancel the DD.


In short, the 2 month flooding that they had experienced was not my fault, yet to be on the safe side I ensured I made 12 full payments (Feb 2015 - April 2016 ) before terminating my DD .


I heard nothing from them for almost 4 months,

then suddenly received a letter from CRS saying I owed £207.47.


I genuinely thought this was some sort of mistake and therefore rang up and said I would not be paying it.


I received 2 more letters over the following weeks - both of which i ignored.


GI have returned from holiday today to find another letter

-this time from Spratt endicott

- threatening that failure to pay within 7 days (tomorrow being the 7th day!) will 'result in legal proceedings' ?!?!?!


Please help!!

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Read the letter carefully

Doesn't say will anything..

Any DCA or their fake/tame solicitors are not bailiff s so have no legal powers whatsoever

Safe to ignore


What you might owe is one month of £9.99 to cover the payment for the month after you cancelled


And certainly not any bogus fees


Read a few threads in this gym forum

You'll soon get the idea

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 Ml and welcome to CAG


As the gym closure was NOT your fault, we've advised others that the closed months DO form part of your minimum m/ship period.


1. When was your DD paid each month.


2. When did you first tell the gym you wanted to join.


3. When was the last DD taken from you.


Don't worry at all about demands from Harlands/CRS, Zinc or Spratts.



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