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    • A mobile phone mine while I was out watching the football with all the lads.
    • Hi,   Stumbled upon this website and I see the general advice is ignore CRS and that they can't do anything but thought I'd make my own post as I'm still anxious and don't want debt collectors to turn up at my parents home.   Facts: - Joined Xercise4less in June, 2017. I paid £11.99/m - Finished uni in July 2019, so I wanted to cancel membership as I was moving back home and the closest X4less gym would be 50miles away.  - I initially put in a freeze request (thinking it's to cancel). When I told my friend he said I need to fill in a different form to cancel the contract. - I was confused so I confirmed this with someone working at the gym. They explained even though my 12m contract has finished, in order to cancel the contract I would have to give 30 days notice using a form online and cancel my DD. - So I completed this online form that same week and canceled my DD a few days later.   * Fast-forward to 20th January 2020 *   - Received a letter (to my parents address) from CSR yesterday (20th). Asking me to pay £213.47 including their fee of £102.50. - I was at work when my parents send a pic of letter. Return address said HGC - a quick google search shows them as Hutchison Global Communications aka Three.  - What did I do next?  Since I didn't have the letter in front of me I asked my parents for the number & reference on the letter. - Then stupidly called CRS thinking its Three and it's regarding my recently cancelled phone contract.   What I told CRS on the phone: - When I found out it was about my cancelled gym contract I explained in detail several times how I correctly cancelled my contract back in July 2019 and I will not be paying the outstanding amount. I didn't even use the gym. I did say I may be open to paying the monthly fee. - Advisor said Harland got my freeze request but nothing else, no proof = you must pay or they will continue to purse me. He also said outstanding amount is not negotiable and me not using the gym is irrelevant. - I asked for Harlands contact details, CRS refused to give it to me because Harlands will not discuss this matter with me.   After 15mins of going around in circles, me explaining what happened and advisor saying I must pay, I finally I said I am not in the wrong here. I filled the form correctly, and it said 'submitted. If their system didn't receive my request it is not my fault and I cannot be held accountable for an error on their part. So I don't agree with the charges and will not pay it and ended the call.   Other info: - CRS said the charge of £213.47 is for membership from October 2019 - Dec 2019 + late fees + CRS fees. - Told the advisor I no longer live at the address they sent the letter to. He asked for new address and I refused to give this out, so they will add an additional £36ish for tracing my new address. - Apparently they sent several letter to my old address but I know they didn't because I still have friends living at that address who would have told me if anything addressed to me came through. - I believe the system didn't acknowledge my cancellation request since a freeze request was in place but that doesn't mean I owe them any money and definitely not £213.47.       Thanks in advance!      
    • Here are the above letters vanquis.compressed.pdf
    • This got me thinking. There are only 4 parking bays on the site. They charge 50p for 1 hour, £1.00 for 2 hours, £1.50 for  3 hours and £2.00 for 24 hours. Yes, £2 for 24 hours! How is this site profitable? Do parking companies run these types of sites with a business model that is focussed more on issuing PCNs that intimidate motorists who lack knowledge of the law into paying up?
    • Hearing of Boris' problems ringing Big Ben,  Jeremy K. Hunt; in an effort to ingratiate his way back into government; offered his services ....         He said he would offer to run the injured parties to hospital, as long as they had medical insurance  
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jimjam800

Stevens Drake chasing AU debt in the UK that I am unable to repay

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Hi,

 

I have been reading lots of different opinions on here regarding debt from Australian companies being chased in the UK.

 

I had a fairly large credit card, plus some other unsecured loan debt in Australia where I lived for some years. Due to illness I ended up back in the UK and out of work for 4 years. As a result I defaulted on the debt and had not made a payment on any in about 2 years.

 

About a year ago I received a letter from Stevens Drake regarding on of the debts and threatening generic legal action if I did not pay. As I was still unwell at the time I did not have the energy to research my options as what best to do, as a result I started making £xx per month payments.

 

The debt in this time has gone from about $18,000 to over $23,000 as the payment I have been making are fairly small.

 

Long story short, I asked if they would accept a few thousand pounds to settle the debt in total as that is all I can scrape together from family and friends but they refused it.

 

I cannot go bankrupt in Australia as I am not there, I also cannot go bankrupt in the UK as I do not have any debt and that debt is not even located here yet - so I feel in a catch 22 situation.

 

I feel like I should just stop paying and force them to issue proceedings here so I can then go bankrupt but I am not sure how bad an idea this is.

 

I will not be able to go back to earning the sort of money I did previously which means in reality I cannot repay this debt.

 

If anyone can give any advice I would be extremely grateful.

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read other similar threads :) youll be happy


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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read other similar threads :) youll be happy

 

I hope so :)

 

It has been quite a stressful time with it.

 

I have a long list of posts open on here that I have started to go through. Most so far seem to have made it to the point of a UK hearing but only read a small amount.

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Keep reading


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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shame you got spoofed into paying them....

as far as I know you CAN got BK in AUS from the UK

someone has already done it here successfully. .hint hint.


..

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I know, I feel pretty stupid now but at the time I wasn't well enough to take things on properly.

 

I don't suppose you could share any specific threads that would help? I have dozens of tabs open and trying to work it all out!

 

I emailed a debt charity in AU but they said I would need to be present and that you then need to apply for permission to leave the country again

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Thank you so much.

 

As I have been an utter fool and been paying off a small amount each month is there any advice as to what to do?

 

Stop paying and wait for them to bring action so I can dispute jurisdiction or try to do that whilst paying? Sorry to be asking so much. I did even speak to a couple of debt lawyers and nobody could give a good answer.

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well the first bit yes

as for bringing action...I very much doubt that

 

a dca or their fake/tame solicitor

are NOT BAILIFFS

and have

ZERO legal powers

go read those threads.


..

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Thanks again!

 

I will be reading everything I can. I really appreciate everyone on here helping - it can be pretty intimidating when you receive all of the threats of court etc.

 

Unless anyone else thinks there is a better route to resolve this I guess I will just stop paying.

 

I just hope in 5 years time or something to have been able to start a mortgage but I guess I will be better waiting for the 6 years to expire...Oh well some landlord will be happy :)

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why have you UK defaults then too?


..

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I don't have any UK defaults or debts. I stopped using credit when I stopped earning an income.

 

Sorry if I was unclear on this.

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then you don't need to await any 6yrs

but id get a couple of lines of credit running and pay them in full each month

a blank credit fil is as bad as a CCJ!/default to mortgage lenders

and kame sure you are on voters!!


..

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The reciprocal laws in most commonwealth countires mena they can start proceedings in a UK court but they cant get blood out of a stone. Offering to pay a nominal fiver a month will kill a court claim but drag things out for ever. If you made the settlement offer in writing then that is called mitigation and a court will really frown upon anyone who sues after turning down a settlement offer that isnt frivolous

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