Getting myself out of debt

[debrag]

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

[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

[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

[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

[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

[debrag]

Can anyone help at all?

[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]

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?

[Roger]

Silence is golden!

[debrag]

Recieving loads of phonecalls from CRS so will send the harassment letter when I get back

[debrag]

Not sure why crs are still chashing me as I received their letter on 29th October saying account would be passed to Zinc within 10 days.

[Roger]

Not sure why crs are still chashing me as I received their letter on 29th October saying account would be passed to Zinc within 10 days.

Which confusion is evidence harassment because it should be Zinc Not CRS chasing you! File that away very carefully!!

[cymruambyth]

Not sure why crs are still chashing me as I received their letter on 29th October saying account would be passed to Zinc within 10 days.

Their timing doesn’t always match that of the rest of the human race! Any delay on their part on helps you.

[debrag]

Which confusion is evidence harassment because it should be Zinc Not CRS chasing you! File that away very carefully!!

Well it's only missed calls no letters as yet.

[debrag]

Debt 1 Natwest Loan

Opened:	August 2016
Type:	Loan
Current Balance:	£4889
Last payment:	£1.00 | June 2018
Last fill payment:	December 2017
Arrangement:	DMP till May 2018
Status:	Defaulted August 2018

2018
March - Collections letter, i+e attached, ignored
April - closing of accounts letter, payment proposal form attached, ignored
May - Formal notice of intention to file a default
June - Notice of arrears in compliance with CCA 1974
June - Notice of refund of interest (£468
June - You have fail to comply letter received
July - changes to ongoing management of repayment plan, partnered with Wescot, in touch within 14 days to management provider (no longer with them)
August - yearly statement received
September - credit report updated and loan is closed. Account defaulted August 2018

At what point should I be hearing from Westcot? Received letter in July and account closed & defaulted the same month.