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    • Hi Consumer Action Group,   First time posting here because I don't know where else to go.   I've cancelled my gym membership with gym in February 2020 because of Coronavirus and my financial situation. This is done within my terms in contract, gave them 1 month notice in writing and everything went smoothly with the gym. They told me from their side it's cancelled and I didn't hear from them since then. They told me (face to face and on email) to contact DFC - Debit Finance Collection plc., company who collects debits for them to cancel my debit collection contract with them. I contacted them and explained situation (on the phone and via email). Everything was sorted and I got confirmation that debit collection is cancelled.   Recently I got the email that I'm due a payment for a September for gym that I haven't attended from February 2020. Then they sent an email that they couldn't take a payment. That's because I removed that debit payment from my bank account. I called them again to cancel that, that I won't pay anything because my contract is already cancelled but they told me that my gym membership is still running and that I need to pay termination fee. They are now contacting me with emails and SMS to pay the amount for September and extra charge of £15 for missing a payment within 7 days.    Weird thing is, DFC never contacted me for any payments from March to August and they now asking for monthly payment.   Reading other threads on this forum on Gym and Health Clubs membership cancellation and issue with DD, I get the feeling that I should just ignore them.  Can you help/confirm what are my next steps, should I just keep ignoring them? I'm getting angry with DFC because they don't want remove my details. I asked them to cancel and remove everything because of GDPR.   Thank you for reading my case.
    • Thanks - thread titled amended to show this.   UKCPS certainly confused me with their non-address.  The thickos haven't clearly shown where you parked which is in your favour.
    • Just to fully understand. : I should stop paying : HSBC credit card and Overdraft Ask for CCA from cabot   How about very recent LLOYDS overdraft debt.  Just got the letter today stating that they defaulted this account and collection depart. will contact soon to arrange repayments.   I guess I just need to wait to see what they will come up with.    But before any of that I should write to all creditors to inform them that I will stop paying them? Due to my bad financial situation?    I know I'm asking a lot but appreciate your help Sir.  E. 
    • hey no sweat any defaulted accounts vanish from your file on the defaulted dates 6th birthday paid or not, paying or not. doesn't mean the debt is not still owed mind.   as you've been paying for 6yrs+ pers i think i'd simply stop payments on that one too. ignore everyone, and of course abide by the golden rules   never ever talk on the phone about your debts, esp to a powerless DCA they ARE NOT BAILIFFS and have  ZERO legal powers on ANY debt no matter what it's type.   they'll eventually, like the OD debt, they'll sell it on.   if either of those happen and you get a Notice Of Assignment pop back here and we'll advise further.   in the meantime don't move without informing creditors.  
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Arrows/Watch Portfolio/ TTI SPC. EGG loan Debt - wont accept PO


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Hi All

 

I've received a letter today saying that Egg are assigning the loan account I have with them to Britannica Recoveries to be serviced by Arrow Global and the transfer is to take place in about 10 days time.

 

To date I have been making regular token payments to Egg and have not missed a payment.

 

My original agreement appears to be a Multiple Part Agreement with both the Loan Principal and PPI payment covered by just one set of terms and conditions rather than one for each separate part of the agreement. I think this could be a s18 agreement

 

I have tried reading the forums but have to confess to be being rather confused as to how the judgement in "Heath" might affect me.

 

Could someone please advise me and also suggest if it would be worthwhile or not writing to Egg to put the account into dispute. If the account is in dispute am I right in thinking that the account should not be transferred to Arrow?

 

Many thanks in advance from a very confused Cagger!

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Yes you could put the account into dispute to buy a little time.

The account can be sold or assigned to a debt purchase company

or a debt collection agency of their choice, you will see a section on

this in the agreement.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks very much for the quick response.

 

I think the bit whereby I am getting confused is that if the agreement is improperly executed (as it is a multiple part agreement) then do Egg have the right to transfer the debt to anyone?

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Can you post up the agreement after removing personal details and any bar codes leave in dates and amounts?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi stagparty it's a bit small but just readable I'm going to bump this so

others get a look and advise as I'm not to sure about the two part

agreement so don't want to give the wrong advice.

BUMP

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 8 years later...

Hi 

 

I have a debt which has recently been transferred to Watch Portfolio to administer on behalf of TTI SPC. 

The original debt was with Egg for a loan.

I think I received a Notice of Assignment years ago from Arrow Global but I might be mistaken but I don’t recall anything telling me it was assigned to TTI SPC.

 

Watch Portfolio have accepted my offer of token payments but will not accept payment by Postal Order. However they will accept a cheque or BACS payment.

All my other depts are paid by postal order each month.

My mental health is not good and the routine of sending a postal order works for me.

 

As far as I am aware postal orders are cashed at a bank in the same way a cheque is so I am unsure why postal orders aren’t accepted by Watch.

 

Can they legitimately refuse to accept postal orders?

 

Many thanks in advance!

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Write to them with a formal letter of complaint and tell them that you want the complaint escalated to the financial ombudsman.

Include the postal order in the letter of complaint.

Every month send them the postal order again plus the one for the next month.

They are entrenched in their own systems and you need to give them a little bit of a hand to leverage them out

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I can't see any reason why they should refuse or why they would be allowed to refuse. Put it to the ombudsman to get a more authoritative decision. Frankly I doubt whether it will go to the ombudsman – I would expect they will put their hands up instead of making trouble for a silly point of principle

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look up mitigation of debt before you contact them again.

By refusing the payment they may well  have decided they dont want the money and  the debt is settled as far as they are concerned and the courts will accept that as being true by their actions.

Basically they have disabled themselves from performing their side of an agreement

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Thread title amended 

 

why are you blindly paying these people anyway?

 

how old is this debt?

have you ever sebt them a CCA request to prove they hold the legally enforceable paperwork to even demand money from you??

 

same for any other debt you are blindly paying too!!

 

 

dx

 

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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  • dx100uk changed the title to arrows/Watch Portfolio/ TTI SPC. EGG loan Debt - wont accept PO

@dx100uk Thanks for the comment. The debt is around 10 years old and I’ve been making payments monthly after verifying it was valid courtesy of some other kind folk on here many years ago.

I have sent the CCA request and it was correct.  

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  • Andyorch changed the title to Arrows/Watch Portfolio/ TTI SPC. EGG loan Debt - wont accept PO

that was 8yrs ago!!

and going by the posts ive found and merged here above

it wasn't deemed enforceable.

you should have comeback here when it was sold on too

 

 

send a new CCA request to arrows

stop paying now 

you are being cash cowed blind.

 

 

 

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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