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    • Hi SW02 and welcome to CAG   Please tell us what gym this involves.   The solution for you is simple - just cancel the DD mandate immediately via your bank, to avoid them taking a full or reduced fee.   Once you've done that, let us know and we'll suggest a brief letter to post to the gym (or Head Office) saying you've cancelled the DD due to their unwillingness to treat your concerns seriously or sympathetically.   They'll whinge  and whine and say you owe ever increasing amounts but they'll do nothing to cause you any serious issues.   We've been telling folk here the same thing for nearly 10 years, after The OFT took AMSL to the High Court.   Let us know when you've cancelled the mandate and we'll take it from there.
    • bottom line is do what you must.   there is no 'rule' in law which stipulates you MUST give them any notice at all.   it's just something that is mentioned in most gym T&C's (though some scam you with 3 mnts!!) and we ADVISE to OFFER by letter should people had accidently stopped a GYM DD already.   you are quite safe to totally ignore anyone that demands money should you do so. gym debts do not show on credit files as you say..gyms don't do court any DCA is a useless and powerless firm that aren't bailiffs and can do stuff all on any debt be it a gym one or otherwise..   i know what i'd do....   dx  
    • Hi.   Don't apologise, we're here to help.   Please bear with us and I'm sure the experts will be along to help you.   HB
    • yes you should be reading mostly any threads here or your own one again from post one. CAG is self help too..   as has been said at least twice now..await if/when they send a letter of claim from one of the many fake/tame paperwork only solicitors.   dx  
    • Did you pay the seller direct or amazon ?    https://pay.amazon.co.uk/help/201749690      
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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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.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      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.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      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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I had an agreement with Marston to pay off a fine due to an untaxed vehicle being on the road.


Received my student finance last week not realising it was being paid into a different account.


Agreement broke on the 13th of Jan due to the missed payment. I had made an initial payment in december.


They noted missed payment on the 15th Jan


Today (16th Jan) a Bailiff from Marston arrived. I was asleep but another family member was arriving home from work and saw them. They put a Final Notice letter through the letter box. £235 enforcement stage costs and £75 admin fee have been added. It says "Despite previous notices and attendance(s) I shall attend to take control of goods and remove for sale by public auction:




Besides trying to arrange a payment plan, is there anything else I can do? This has already caused me to have a panic attack and things are hard enough as it is. I'm currently receiving help from a psychological therapist for anxiety, low mood/depression, I am on antidepressants and also receiving counselling from my university counselling team. I did note I could inform them of possibly being a vulnerable person but I am not sure if things have escalated too far or not.

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As the case had already been with Marston when you set up an agreement, the compliance stage fee of £75 would have already been charged. What you have now been charged is an enforcement fee of £235.


Defaulting on a previously agreed payment arrangement will automatically lead to the agreement being terminated and the account passed to a bailiff (which is what has happened here). It is absolutely vital that you advise Marston of your vulnerability and it is a shame that you had not revealed this information to them sooner but we cannot change that position.


It would be wise to send a TEXT message to the bailiff to advise him that you had every intention of keeping to the agreement but you had been unaware that your STUDENT grant had gone into a different account and this has led to your account defaulting.


Most importantly, inform him that you are sending an email to Marston's TODAY with evidence of your vulnerability and this will outline that you are receiving help from a psychological therapist for anxiety, depression etc and that you are also prescribed antidepressants etc. There is a possibility that Marston may look kindly at removing the £235 enforcement fees.



PS: I would also suggest that you make payment of the amount due under your agreement.

Edited by dx100uk
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Thanks for the advice.


I contacted the bailiff directly before you messaged and told him about my circumstances.

Asked for the medication I was on etc and told them I was a student.


They've agreed to remove the £235 fee but want my last two payments up front by the weekend which I'm fine with if I'm honest, since the payments would be coming from the same lump of money anyways.


Is there anything else I should, just to make sure I'm not being lied to etc.

I did record the phone call just to be safe

Edited by dx100uk
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An EXCELLENT outcome indeed. I don't believe that there is anything else that you need to be doing other than to ensure that your payment arrangement does not default again.

Edited by Andyorch
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