Sport Direct chasing me for money! Again!
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Livolai
Posts: 1 Newbie
Hello,
I'm being chased by CRS (debt collection) for a total of £44. They were handed my case for collection of £8 for a gym membership i had two years ago and have added their £36 charge.
However two years ago i had the same situation with Harlands (CRS' previous name) where they chased me for payment owed to Sports Direct gym totalling £36.
I happily paid a total of £8 per month until the debt was cleared, however what i didn't read on their confirmation of payment plan letter, was that unless i stated otherwise they would keep my account open and continue to take the payment for membership, even though i told the man over the phone that i wanted to cancel my account.
I cancelled the direct debit from my bank account, unbeknown to me that my membership was still running. However received a number of emails after asking me to join their gym again.
So two years later they are now requesting money from me that i didn't know that i owed, even though they had my email address, which is how they found me as my address had changed.
I am totally confused as to whether i have any rights to dispute this and completely baffled as to why this has happened. I know it is a small amount to pay but they've caused a lot of stress on my part.
Any advice?
I'm being chased by CRS (debt collection) for a total of £44. They were handed my case for collection of £8 for a gym membership i had two years ago and have added their £36 charge.
However two years ago i had the same situation with Harlands (CRS' previous name) where they chased me for payment owed to Sports Direct gym totalling £36.
I happily paid a total of £8 per month until the debt was cleared, however what i didn't read on their confirmation of payment plan letter, was that unless i stated otherwise they would keep my account open and continue to take the payment for membership, even though i told the man over the phone that i wanted to cancel my account.
I cancelled the direct debit from my bank account, unbeknown to me that my membership was still running. However received a number of emails after asking me to join their gym again.
So two years later they are now requesting money from me that i didn't know that i owed, even though they had my email address, which is how they found me as my address had changed.
I am totally confused as to whether i have any rights to dispute this and completely baffled as to why this has happened. I know it is a small amount to pay but they've caused a lot of stress on my part.
Any advice?
0
Comments
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Hi,
They won’t chase it for long, and it will not appear on your credit file.
If you believe you owe the money, then pay it, if you think it’s there error, write and dispute the debt, tell them your grounds for disputing it.
Stay off the phone, do everything in writing.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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