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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Gym messed up - can I ignore Debit Finance Collection? **RESOLVED GYM MISTAKE**


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I joined a small local chain earlier this year and signed an 'agreement' that said I was locked in for 12 payments. 

At the time I knew I would be moving within the space of the year and the gym instructor said that's fine I can just cancel it and send them proof of new address. 

 

Because of illness, childcare, financial strain and moving houses, I didn't go for a month and decided I would cancel it.

I called up the gym, left a voice message and cancelled by direct debit with DFC. A DD was taken for August, I thought fair enough it was only 3 days before the membership was due but I didn't go in August and hadn't in July either (paid for both months). 

 

Today I got an email from DFC saying I owe them the £35 for September, plus a £15 late charge and if I don't pay within 7 days, I'll get an additional £15 charge on top. 

 

I contacted the gym who said that they don't accept cancellations over the phone, only email and after they have received proof of address. And that they probably didn't get the call come through because they were busy on another call. I wasn't given a contract to take home with me so didn't have this information on hand, if it's even in there and the conversation with the instructor was months ago - unjust to rely on memory of small details? I truly don't remember the instructor saying I needed to give proof BEFORE I even moved in order to cancel it. I was also told that I will have to pay the £35 for October as my 'notice period' will now be less than 30 days. 

 

So I'm being stung with an £85 charge for 2 months of the gym I'm not using (already having paid £70 for the 2 previous months I didn't go). 

 

I'm sure it will say this in tiny letters somewhere on the agreement - but I really cannot afford this now and cancelled partially because of financial strain! I have asked for the gym to send me a copy of the agreement I signed. 

 

So my question is - can I just ignore DFC? I understand they are only regulated by the FCA to 'provide payment services'. Can they legally make me pay? Can the gym send enforcement agencies/bailiffs around to collect the money owed? How should I play this? 

 

Thanks everyone  

Edited by Babamoosheep340
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Ignore them all 

Gyms don't do court 

Gym debt don't appear on credit files 

 

Not sure where you are getting the idea Bailiffs can ever be involved.. they can't 

 

A debt collection agency is not a Bailiff

and have zero legal powers on any debt . No matter what it's type

 

Dx

 

 

 

 

 

 

 

 

 

 

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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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As I said.. a dca are not Bailiffs.

There is no such animal as legal enforcement

 

Gyms don't do court

Bailiffs could only ever be involved in any consumer debt if you were to lose a court claim . And as that can't happen....

 

Forget about it all 

Go enjoy your life

 

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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Share on other sites

They lost big-time in 2012 ashbourne court case I think.

 

Gym debts don't get sold on.

 

100's of threads here to read for yourself.

 

 

 

 

 

 

 

 

 

 

 

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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Share on other sites

:pound:

 

thats what happens when you front them out..

 

well done!!

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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Share on other sites

  • dx100uk changed the title to Gym messed up - can I ignore Debit Finance Collection? **RESOLVED GYM MISTAKE**
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