Debt Collection

Zee · 21-04-2011, 11:31

I had canceled my fitness first membership a few months ago before the contract had finished, i told them in person and the woman agreed to cancel it.

But now im receiving letters from the debt collection agency saying they may put my name on the register of country court judgement if they make a claim in a county court.

The balance is £239.20, what can they actually do or are these just baseless threats?

LSainsbury · 21-04-2011, 12:03

I bet the official documentation states that any cancellations should be put in writing and there may be an early-termination fee. Any verbal agreement will probably be null and void.

BTW - Passing mod wish to spell check the subject ?

Zee · 21-04-2011, 12:07

yeah thats what i was thinking, but what about the debt collection agency?

LSainsbury · 21-04-2011, 12:32

Quote:

Originally Posted by Zee

yeah thats what i was thinking, but what about the debt collection agency?

Have you told them you cancelled it and what did they say?

Zee · 21-04-2011, 12:34

Quote:

Originally Posted by LSainsbury

Have you told them you cancelled it and what did they say?

i didn't speak to the debt collection agency yet, its been about 1 month of lame text messages and silent calls so im just ignoring them. I don't know if that is a good idea.

superbiatch · 21-04-2011, 12:41

Gyms memberships are notoriously hard to get out of, I read about it all the time on moneysavingexpert.com forum. You should post it on there really.

Unless you are happy about having your credit rating knackered for the next 6 years as a default will be issued (if not already), you need to pay it off pronto

And yes, they can take you to court with a view to issuing you with a CCJ.

LSainsbury · 21-04-2011, 12:42

Quote:

Originally Posted by superbiatch

Gyms memberships are notoriously hard to get out of, I read about it all the time on moneysavingexpert.com forum. You should post it on there really.

Unless you are happy about having your credit rating knackered for the next 6 years as a default will be issued (if not already), you need to pay it off pronto

....by canceling that nice new PC you just got from Dell - and don't come back here claiming that you are broke!

Zee · 21-04-2011, 13:23

that dell was bought on credit... :P

well i contacted fitness first who said i owe about £92 so i paid 50% now and then 50% in about 3 weeks. dont know what this collection agency is on about though.

superbiatch · 21-04-2011, 14:44

Quote:

Originally Posted by Zee

that dell was bought on credit... :P

well i contacted fitness first who said i owe about £92 so i paid 50% now and then 50% in about 3 weeks. dont know what this collection agency is on about though.

They add their own charges on for sending you letters and attempting to call you (even if they haven't!), so you've had a lucky escape.

Let this be a lesson to you, I'm 33 with a knackered credit rating due to a broken marriage and being in debt over my head. Save up before you buy anything

Zee · 21-04-2011, 14:50

Quote:

Originally Posted by superbiatch

They add their own charges on for sending you letters and attempting to call you (even if they haven't!), so you've had a lucky escape.

Let this be a lesson to you, I'm 33 with a knackered credit rating due to a broken marriage and being in debt over my head. Save up before you buy anything

great advice, well i've improved my credit rating so much in the past year still got some way to go though.

21-04-2011, 14:59

Quote:

Originally Posted by Zee

that dell was bought on credit... :P

well i contacted fitness first who said i owe about £92 so i paid 50% now and then 50% in about 3 weeks. dont know what this collection agency is on about though.

well thats a mistake the dca will still be on your case as it was passed to them

---------- Post added at 14:59 ---------- Previous post was at 14:54 ----------

Quote:

Originally Posted by Zee

I had canceled my fitness first membership a few months ago before the contract had finished, i told them in person and the woman agreed to cancel it.

But now im receiving letters from the debt collection agency saying they may put my name on the register of country court judgement if they make a claim in a county court.

The balance is £239.20, what can they actually do or are these just baseless threats?

They can not just put your name on the register it does not work like that. Judgement has to be made against you.

First thing you should always do is demand written evidence that thay have rights to collect this debt. If they can not or will not supply this information blank em

Also do you have any sort of access to equifax or experian? My credit card gives me reports of changes to my file. If they have not done anything to your file they most likely would never take you to court

Zee · 21-04-2011, 15:04

well fitness first said they will contact C.A.R.S and cancel it with them. So fitness first lied?
By the way, they have done nothing to my file so far.

21-04-2011, 15:19

Quote:

Originally Posted by Zee

well fitness first said they will contact C.A.R.S and cancel it with them. So fitness first lied?
By the way, they have done nothing to my file so far.

I wouldnt have made an agreement with them until I had it in writing saying the dca were going to be called off. I do not trust any debt collection service

Zee · 21-04-2011, 15:21

Quote:

Originally Posted by Zing

I wouldnt have made an agreement with them until I had it in writing saying the dca were going to be called off. I do not trust any debt collection service

im going to contact fitness first now and see what they say.

haydnwalker · 21-04-2011, 15:23

Things like this are the main reason I don't pay a monthly membership to a gym...

---------- Post added at 15:23 ---------- Previous post was at 15:23 ----------

Quote:

Originally Posted by Zee

im going to contact fitness first now and see what they say.

You need to ask them to send it in writing (via letter or email)!!!