Are we in the wrong?

[ALIBOBSY]

If they attempt court action don't worry-its extremely unlikely for anything under 4 figures tbh, you defend in full as you have you evidence and they haven't a leg to stand on. They should be sueing BADGYM, but these companies see individuals as a softer touch. Don't worry about them at all.

Don't pay them a penny.

Ali x

I would expect letters back and forth a few times then they may well sell the "debt" onto another debt collector who again you tell to jog on.

I would print physical copies of all your evidence and back up the electronic stuff as well and stash it away somewhere safe.

[mrmajika]

The other thing to consider is whether or not the debt collection company have issued a default against your credit file with the credit reference agencies. If so, this will affect you being able to obtain any form of credit whilst you get the issue resolved.

It might be wise to check.

Best of luck.

[Hazzanet]

Originally Posted by macman

Only the account holder can cancel a DD-not the payee.

The payee can send an 0C transaction down via BACS that will cancel the mandate. The reason the bank will see is 'Instruction cancelled by Service User'.

Also sending a collection request with a '19' transaction code will close off the DD instruction after the successful collection.

[VexedandConfused]

Still heard nothing. Can't quite bring myself to celebrate though.....just incase!

[matttye]

Originally Posted by VexedandConfused

Thanks simplydevine05.

Yesterday I received a letter from a debt collection agency bolting on an extra £200 in fees for their trouble. (I notice from the address on the letter that they are based on the same floor of the same building as MIDDLEMAN)

I have sent copies of the letters that I have sent to BADGYM and MIDDLEMAN to the debt collectors, stating that they need to resolve it between themselves. Gulp. Hope it's enough!

Regulation 54 of the Payment Services Regulations 2009 says that charges imposed by creditors must reasonably reflect their actual costs.

Passing a file from one desk to another does not cost £200.

Tell them to !!!!!! off

[Jules2012]

Good for you for standing your ground. I hope that's the last of it, I would keep a check on my credit report though just incase they play sneaky and out a default on.