CRS / EQL Gym membership debt claim

awayinchina

HandsomeJohnny wrote: »

Really?

They can just contact a CRA without a credit agreement and say you owe money and the CRA will believe them and add the info?

That sounds a bit out-of-touch to me. If that was the case then surely anyone could do it to anyone else?

DCA are registered with FSA so can reigister defaults. did a search myself on google "gym membership default on credit report" you will be interested in the results rather a lot have had it done.

HandsomeJohnny

Hi All,

I received the following response from EQL this morning:

"Dear (My name - misspelled),

Our reference: XXXX
Creditor: Credit Resolution Services (sic)
Balance Outstanding: £231.50

We write further to our previous correspondence, where it was confirmed any further contact from us would be in writing, as you requested.

In addition, on receipt of your complaint we notified our client that you were in dispute with regards to your liability to pay the balance outstanding.

Having referred this matter to our client, they notified us that you intended to transfer your membership to someone else and you had been advised that a fee of £30.00 would be required to finalise the transfer.

However, the required payment of £30 had not been paid, therefore the completion of the membership transfer had not been finalised.

Furthermore, our client has advised us that your dispute with them has been addressed and they did not find it to invalidate the debt.

Accordingly, we await your proposals for repayment of the outstanding balance of £231.50.

We are prepared to accet reasonable and realistic instalment repayment proposals. We are allowing you a period of 14 days from the date of this letter before we commence further collection activity.

It is important that you contact us to discuss repayment by dialling our FREE PHONE number 0800 032 4277.

Yours sincerely,

Kxxxx Kxxxxxx
Complaints Investigator
Compliance Department."

So, they have my name spelled incorrectly and their info regarding my dispute is entirely incorrect (I never had any intention of transferring to someone else). They have also falsely claimed that CRS "addressed" the dispute and found in their own favour! Ha!

My intention is to respond with a final statement that I do not accept liability with regard to any alleged debt to any of these companies and to formally state that I will not make any payment or offer of such and that further correspondence aimed at cajoling me into admitting liability will be reported to the FSA and relevant Police dept as harassment. I have written evidence which I have provided the DCA with and am fully prepared to issue a legal defence in county court if necessary.

Does anyone have any final pointers before I reply to EQL?

Thanks!