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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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Lowell chasing old Vanquis CC Debt

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I wonder if someone could point me in the right direction.


I have a vanquis credit card (heaven forbid!) and I have always paid more than the monthly minimum amount.


Upon checking my credit file on Equifax the other day I see that they have put me into an arrangement to pay since February 2012! This is obviously having an impact on my credit card.


I have sent them a secured email but surprise surprise they have not replied and I have also raised this issue with Equifax and they are investigating.


Is there a standard letter that I could send getting them to amend my credit file and not provide inaccurate information?


I can happily put one together, but I just thought I would ask if there was a standard letter.


Thanks in advance :-)

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I had a reminder to pay an old Vanquis CC debt from Lowell


I sent them a CCA request, which has now been received. 

I recall doing this back in 2017 and because they didn't send me a credit card agreement I disputed the balance owed. 

Ever since then I just receive the standard "you owe money", "we have reduced it by 40% blah blah blah" to get me to pay up.  I have just ignored them until recently. 


Reason being is because they hit me with a claim form for another old debt and I didn't want to be in the same situation with this given the Default is due to drop off my credit file next month.


So.........attached is their reply dated 25th October 2019, along with a print out of my so say online application. 

There is also a letter from Vanquis confirming the opening of my account,

however, this was clearly a photocopy that was sent to me which anyone could have made!

Attached also is the "application" form which has been printed off, no signature no nothing.


Looking at the statement, the last payment made was on the 30th May 2013, according to Equifax the date of Default was 29th November 2013. 

There is no previous information during 2013 or before on Equifax. 

I have checked Credit Karma, there is nothing showing pre October 2014.


Now unless I am mistaken, this account is Statute Barred and there is nothing that Low Lifes can do about this? 

They have given me until the 22nd November 2019 to respond.


I have only added the last page of the transaction statement so you can see the date.  


If someone could let me know that would be great and if I am able to send the relevant SB letter, do I get and send it now or wait until their deadline date?


Thanks :-)




cca return.pdf

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that's not a CCA return

ignore them until/unless you get a letter of claim.



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Cant believe they are still using that template and trying to pass it off as a Consumer Credit Agreement.:roll:

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


If you want advice on your thread please PM me a link to your thread

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I know, I thought that too :-)


Shall I just leave it and fight it as and when they try it on again?

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Case now closed, Default fell off CRA and I have received a letter from Lowell to say that they can no longer pursue the debt due to it being Statute Barred :-)

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