Hi @slick132 apologies for the delay responding.
Letter to the gym (1Life):
RE: Cancellation of memberships ********* & **********
I refer to the aforementioned memberships at 1Life ******* Leisure Centre.
We have cancelled our Direct Debit mandates and now realise that we did not provide 30 days’ notice needed.
I therefore offer to pay the outstanding £49.98 for the notice period, consisting of £24.99 for ********** and £24.99 for *********.
I will pay no administration or cancellation fees and no further membership amounts. I consider the third parties attempt to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contract is terminated and we will ignore any further demands.
If you confirm in writing that you will accept the amount of £49.98 in full settlement of all that I owe, I will pay you promptly.
If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.
Letter to DCA (DFC):
"Dear Debit Finance Collections Plc
RE: Notification of Unpaid Direct Debit Payment - Ref No ******** & *********
Further to receipt of emails from yourselves regarding missed payment and late payment charges, I confirm that I will pay no administration or cancellation fees and no further membership amounts. I consider these attempts to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contracts are terminated and we will ignore any further demands.
Interestingly (and more than likely irrelevant) the email response from DFC stated that they wouldn't deal with me regarding my partners membership due to data protection, but then they also named her in the email! Surely a breach of data protection in itself!
Then call them, I asked to speak to a line manager and eventually tell them that you are going to be complaining to the Ministry of Justice. Tell them that they are interfering with the prime objective which is to achieve a just outcome.
Read our customer services guide. Make sure they take proper details on the screen notes and make sure that you get the names of the people you are talking to.
Thanks for all the replies.
After talking to Northampton it seems it was payment assist.
The original payment left was £88 the rest is literally fees
The situation is now I will clear the balance and payment assist will send me confirmation of payment and will inform the court it's paid
Lesson here is always update your address as it's highly likely I would of fought this claim.
Due to me being non responsive it went into default judgement which was the ccj.
I'll not make this mistake again anytime soon
Thanks for your help!
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!