Getting myself out of debt

[debrag]

Debt 13 Trugym

Opened:	August 2012
Current Balance:	£86
Last payment:	November 2015
Last fill payment:	March 2013 maybe
Arrangement:	None
Status:	Default | March 2013
Owner:	Credit Resolution Services

2014

January - Email from Zinc "we have been instructed by our client to assist you with the resolution of your account."
March - Missed payment
April - Missed payment
June - balance update by email - £162
July - Settlement offer email - £114.33
July - Payment reminder email x 2

2015

September - Arrears email, balance now £52.44
September - Settlement offer via email £39.33
September - email regarding settlement offer
October - Missed payment email, appear I was paying till May 2015
October - Payment reminder, £2.44
November - Trying to make contact email x 2, balance now £50, did I pay the £2.44??
December - We have not received a response email x 3

2016

January - We have not received a response email x 3
Contact from CRS

2017

June - Letter received stating account sent back to CRS
July - email received:

I would first like to explain that The Zinc Group are a third party organisation working under the instruction of our clients to assist their customers.

The Zinc Group are provided limited data and are considered only to be processors, however Credit Resolution Services (CRS) remain the controllers of the data associated with your account.

In light of this, CRS have requested that you contact them directly should you wish to submit a Data Subject Access Request. You can contact them, stating the reason for your DSAR, including your account details at subjectaccessrequest@harlandsgroup.co.uk

I can confirm your account was returned to our client in March 2016. As The Zinc Group are no longer the managing agents of your account, you have not and will not receive further contact from us with regards to this matter.

August - SAR received today. Last payment made November 2015 so SB November 2021! Very detailed SAR with screen shoots of all databases, they don't have an up to date landline though Looks like it went to 'doorstep' status at an old address lol Awaiting their next move

September - Received possible legal action letter
September - Received email saying they will accept me paying by bank transfer. Maybe I should pay them £0.01 a month lol
October - Letter received say account will be passed on to Zinc if I don't reply within 10 days.

Looked like they are going the route of outsourcing - to Zinc and not legal action so far, should I do something or ignore?

[debrag]

Major Law solicitors letter received.




@Diana Mayhew

Sent SAR request to ARC who stated 'we act as data processor on behalf of our client who is the data controller......David Lloyd Leisure Limited is responsible for replying to you under the current data protection legislation'.

I then get an email from David Lloyd asking me to confirm I want the SAR information which I do.

What I get back is a 5 page pdf of pretty much nothing then am told to contact ARC for information as they don't hold any records.

[debrag]

Can anyone help at all?

[debrag]

Is that a formal Letter Before Claim with a series of boxes from A - C to tick, and an I & E to complete as part of the forms ?

Di

no no tick boxes just a letter as written above

[nightwatch]

Is that a formal Letter Before Claim with a series of boxes from A - C to tick, and an I & E to complete as part of the forms ?

Di

post updated so;-
it looks like a normal lets panic them letter DI x

[Joanna Connolly Solicitors]

Is that a formal Letter Before Claim with a series of boxes from A - C to tick, and an I & E to complete as part of the forms ?

Di

[debrag]

Debt 11 David Lloyd

Opened:	August 2016
Type:	Gym
Current Balance:	£582
Last payment:	£1.00 | July 2018
Last fill payment:	July 2016
Arrangement:	Reduced payments
Status:	Unknown
Owner:	ARC

ARC if I don't pay start phoning, can I send the do not phone letter now?
August - received email + letter agreeing on a payment plan of £1 a month, I didn't agreed to this as I told them the agreement was £0.
August - receiving calls every day/other day - ignoring - harassment letter has been sent
September - received a 'could issue a claim' letter
October - received a letter from Major Law Solicitors

Major Law solicitors letter received.

Date: 12th October 2018


Re: David Lloyd Fitness Limited

Balance £681.98


Dear Sir,


We act for David Lloyd Fitness Limited and have been instructed to contact you for recovery of the above debt which we understand

is still outstanding. We have been referred to previous correspondence sent to you by ARC (Europe) limited and are not aware of any

reason as to why payment is not due.


Unless we hear from you within 14 days we will seek our client's instructions regarding issuing a County Court Claim against you in Northampton County Court for the recovery of this amount. The following costs will be added upon issue:


Debt Balance £581.98
Court Fee £60.00
Solicitors Costs £70.00
Annual Interest (to be adjusted pro rate) £46.56
TOTAL £758.54

As you can see the issue of court proceedings will mean that the amount you owe our client will increase by £176.56

You should act now to stop further action

Please call our client's agent, ARC (Europe) Ltd, directly on 01932 251040 to agree repayment and cease all further action. ARC (Europe) Ltd will also accept your payment over the phone by debit or credit card. For full details of how to pay ARC, visit their website at www.arceuropeltd.co.uk.


You may want to seek independent legal advice or advice from a debt counsellor or Citizens advice bereau or similar organisation on this matter

@Diana Mayhew

[debrag]

Received yet another 'you have failed to make contact, you are £465 in arrears' letter from Very.

[debrag]

Debt 12 QQ

Opened:	January 2012
Type:	PDL
Current Balance:	£481
Last payment:	£1.00 | February 2016
Last fill payment:	£110 | February 2012
Arrangement:	None
Status:	Default | off credit report
Owner:	Lantern

Fell of credit report May 2018, MMF/Lantern send email January 2018, payment set up for £2 a month, last payment June 2018, SAR letter sent, received all documentation including a breakdown and CCA. Full payment was £722 as stated in the CCA but on account info in SAR letter interest is £590, so that's £368 in extra charges . Have paid Lantern £8.

2012
Email tennis - notice of overdue payment, payment plan offer, unable to afford payments
Email - notice of formal complaint, payment plan offered by QQ, ignored
Email - debt referral - ARC

2015
Back to QQ
Balance recieved via email - balance 695, 170 received from ARC - £499 in default
Overdue payment emails

2016
Overdue payment emails
Loan balance requested - nothing received

2017
Overdue payment emails - only 2 this time
Notice of sale

2018
Notice of assignment - MMF
Repayment plan confirmation
Fell off credit report
SAR sent + documents received
Repayment plan closed by me
August - Received response about my irresponsible lending claim and it was too long ago now.
September - starting to receive calls, no letters or emails

Been receiving automated phone calls which have gone to voice mail but no mail so far.

[The Tech Clerk]

Diana Mayhew

[debrag]

pay by date?

21 days from date of letter so this week.

[The Tech Clerk]

probably another new idea hoping you act to try and stop it, but the usual May/Ifs come to mind????

[Joanna Connolly Solicitors]

Recieved notice of assignment letter from JD Williams, stating that one of the following companies Lowell Group Ltd or Intrum UK Finance Limited may acquire the account, within the next 4 to 8 weeks.

That's a curious letter.

A Notice of Assignment must tell you exactly who the account has been assigned to, and on what specific date.

From what you say you've received a letter which more or less says no decision has yet been agreed as to which business will be purchasing your account sometime in the next month or so.

Thank you for clarifying that there is still an outstanding balance which suggests the account has not yet been terminated.

Di

[The Tech Clerk]

Sold Debt to Lowells no doubt so their account would show Zero, CRA default would show original default date but

[The Tech Clerk]

pay by date?