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Xercise 4 Less / Zinc / CRS Back after 1.5 years??

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I do not know how I should proceed

- I am quite worried as I am in the process of wanting to purchase my first home and cannot afford to have silly companies like the ones above impose court junctions against my name / affect my credit rating...


Around May 2015, I had the usual nonsense posted on here that Xercise4Less wished to claim £126 from me, for "prematurely" cancelling a DD with no notice.


So in result,

they sent the Zinc hounds after me,

to which after A LOT of harrassment,

they accepted all the proof i provided to them and closed my account.

This was the final email i received from Zinc


"Good Afternoon Mr XXXX,


Thank you for your email correspondence which contents have been noted.


This has been accepted by ourselves and no further contact will be made.


King regards,





Yesterday I received an email now from CRS


"Hello XXX


We are writing in regards to the account that has been passed to us by Xercise 4 Less.


Your file has recently been returned to us by the Zinc Group.

Your CRS reference number is ...... and your outstanding balance stands at £126.49.


We urgently need to speak to you about this matter and would be grateful if you would call us today on 01444 449165 between 08:30am and 6:00pm.


We are happy to set up a payment plan if you can not afford to settle the balance in one go.

We are also willing to consider a reduced settlement with you if this will help resolve the matter.


Alternatively, if you would prefer us to call you, please confirm a suitable number to reach you on.


Many thanks,


Rob Avery

CRS Collections Manager"


I don't want to leave this floating,

how can i tell them that this has nothing to do with me anymore,

when will this stop :(.





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you ignore them!



CRs are the fake DCA of harlands.



no DCA has any legal powers whatsoever

no matter what the debt




as for 'hurting' your credit file...

they cant, gym debts are not credit and do not show at all.




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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Ignore them, block their silly puerile emails and mark them as junk.


As Dx pointed out, gym agreements aren't credit and won't show on your CRF, so all their willy waving shows just how desperate they are.


Keep a diary of events, and if they continue then you can report them to the relevant authorities, who claim to police this industry, as well as the police for the criminal offence of harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Hi MN and welcome to CAG


When Zinc realise they're wasting their time and money they "return the a/c" to CRS.


This won't affect your Credit Rating at all so your mortgage application will not suffer from this gym matter at all.


Ignore CRS completely for now but keep us posted. They'll ignore anything you tell them and continue to pursue, which is why ignoring is the better option.


Learn more about how Harlands?CRS operate by reading similar threads here.



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