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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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Arc Europe chasing virgin active debt - Threatening Court Action


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Jeepers !! They're not making this any easier !!

 

Email back asking them to give you a detailed breakdown of the demand for £318 as you're unable to reconcile their demands, based on the gyms' monthly fees.

 

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Ok, Just sent that off.

 

How is the £318 relevant anymore as they have already reduced it and have admitted to adding on admin fees. Can I not get this scratched off entirely now?

 

Kind Regards

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Hi Lolo,

 

I get what you're saying but I want to see how the £318 was made up, and how they justify it.

 

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Hello,

 

So they replied stating that they have never held an account for me for a balance of £318 and proceeded to say I have 14 days to provide evidence so they can investigate.

 

I have attached the initial letter I linked at the start of this thread and sent it to them. So we'll see what they say. I am pretty baffled at the way they are handling this, They are either playing dumb or are not on top of things at all...

 

Regards

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Great - keep us posted.

 

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Hi all,

 

So they replied and I am completely baffled at what my position is right now or what to do as what they are saying makes 0 sense to me.

 

I will attach the letter as well but they are basically saying their first letter was in relation to David Lloyds Membership whereas this is in relation to Virgin Active... I was under the impression it was within the same bracket...

 

Let me know what you guys think

 

http://imgur.com/a/cjh7D

 

Kind Regards

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Hi Lolo,

 

They refer to "proof you have supplied" being about a David Lloyd gym m/ship. Have you checked the ref. no. they use in each of the demands to see if they've confused your a/c with someone else's DL m/ship.

 

Maybe this explains the different amounts they've been demanding.

 

Or have you been a member of both gyms ?

 

Did you send them some form of "proof" ?

 

:-)

Edited by slick132

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Morning,

 

Well I've linked all the letters and from the very first which stated £318 had a different reference number to these recent ones demanding £114 but they was the ones who changed this themselves in addition to the amount they was asking for whilst they was replying to my initial letter regarding the £318... So to me it seems as if they messed up by demanding this amount and are trying to weasel out of it...

 

And yes the proof I sent them was the initial letter from ARC Europe themselves demanding £318 that I linked at the start of the thread

 

Kind Regards

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Hi Lolo,

 

Can you email back saying :-

 

I refer to your email of xxdate.

 

The copy letter I sent you dated xxxxxxxx was sent by you to me. It is YOU that are making demands for different amounts regarding different gyms.

 

My membership was with Virgin active and I require that you tell me what amount you are demanding, what gym it's about and how exactly the amount is made up.

 

If you fail to resolve this matter quickly, I will make formal complaints about your collection activity.

 

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Hi Lolo,

 

I don't think they're up to anything, apart from getting themselves confused between 2 accounts.

 

Once they confirm the amount they say you owe and how it's made up, we can decide exactly what you need to do, or not do.

 

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Hi,

 

Sthey replied saying that the proof I provided was in the name of Lois xxx and they can't discuss it with anyone else unless she has given authorization.

 

I am her brother and I'm handling this for her just on her CAG account and sorting this out via email for her as well with ARC.

 

I replied telling them this and asking how she can authorize me to continue to handle the matter.

 

To me it sounds like they are looking for any excuse to prolong this so we can just pay them and be done with it as they have never asked for authorization thus far whilst discussing all of these financial matters with me and It has all been from my email since the start...

 

What do you think ?

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If you don't provide ARC with her authority for you to act on her behalf, ARC will simply continue to evade answers and issue demands.

 

Either :-

 

1. Get YS to sign a letter of authority addressed to ARC allowing you to act on her behalf in connections and then get them to answer your latest email.

 

OR

 

2. Ignore them from now on.

 

Of the 2 options, #1 is the better and send by post with free Certificate of Posting. Once you've got them to confirm they're charging admin fees, you have better grounds to ignore and/or argue.

 

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Hey all,

 

Me again. So my sister rang them and gave me authorization to continue to handle the case for her.

 

I stated who I was once again and referred them to the original email I had sent demanding how the amounts they were requesting was made up and if I did not receive clarification that I would then make formal complaints. I will let you know what their reply is.

 

Hope you are all well nonetheless.

 

Regards

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Hi all,

the update is they are now proceeding to charge her not only for her Virgin Active Membership but also David Lloyds as she had a membership with them too which she also cancelled via DD and not the appropriate way.

 

 

They are requesting £452 for Virgin Active & £117 for David Lloyds.

 

 

Even I'm in a state of panic at the moment as I am unsure what to do at this point for her as they are continously threatening for court proceedings.

 

 

They once again didnt really answer the question of how the Virgin Active balance was made up only how the David Lloyd balance was and once again the price has changed from £114 to £117.

 

I will link all the letters they proceeded to email me once they realised my sister had granted me permission to handle the case for her. Any help at all would be much appreciated.

 

Letters -

 

Virgin Active: http://imgur.com/a/ax2MV

 

David Lloyd: Edited as personal data left showing

 

Thanks again

 

Kind Regards

Edited by slick132
slick :-)
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ignore they are powerless

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 Lolo,

 

If there is an earlier issue with a David Lloyd m/ship, you need to start a separate thread to deal with it separately. Otherwise the 2 issues will become confused.

 

Use this thread solely for the Virgin case.

 

Reply to Virgin saying unless, they tell you exactly how they've arrived at the total they're demanding for the Virgin account, you cannot pay them anything.

 

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Hi Lolo and thread re-opened.

 

Someone probably closed thread thinking you'd open the new one for the DL case and not need this one for the Virgin case.

 

Continue to post here for the Virgin case.

 

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  • 2 weeks later...

Hey all

 

Just came back to say they gave the debt account back to David Lloyd and I messaged the same last message regarding reporting them to the FCA if they do not break down the virgin debt either

 

 

I haven't had a reply in weeks so I take it they backed off from that side too.

 

Thanks to everyone for the help, You do not understand how appreciative I am

 

All the best

 

Regards

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that's good news.

 

 

.dx

 

 

 

 

 

 

 

 

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Please help.

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 Lolo,

 

Sorry to rain on your parade but I'd be surprised if that's the last you here of these isues.

 

The FCA really has nothing to do with gym m/ships so I doubt anyone would back off due to the risk of their involvement.

 

ARC may have backed off but the gym(s) may continue to harass.

 

As said before, if anything further needs to be discussed re the DL gym m/ship, start a new thread so it's not confused with this Virgin gym thread.

 

:-)

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