We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Passed to a Debt Collector after 12 months of no contact, with no warning!!

Hi. Sorry if I've posted in the wrong place, I didn't know where else to put it :o

Are a company allowed to pass on your account to a debt collector after 12 months of no contact and no warning?

I joined a gym last year and cancelled my membership due to relocating. The staff member I spoke to at the gym was very helpful and said that they would close my account with a zero cancellation cost due to my circumstances. I never heard from the gym again.

I received a letter from a debt collection agency claiming I owe the gym £340 and they gave me 3 days to pay it. I contacted the gym and explained what the staff member had said to me, but I have no proof so that’s fair enough. They said they would send me copies of the letters they had sent to me with regard to the money I owe (I never received any letters)

They have now sent me a “copy” of 2 letters they sent me over 12 months ago, saying that I have to pay a £100 cancellation charge. There is no mention of the debt being passed on in any of the letters, just that I should contact them to make payment. I received these “copies” late last week, and the debt collectors were on the phone again today saying that my case has been reopened by the gym and I’ve got 7 days to pay the £340.

Does anyone have any ideas how I can sort this? Are they allowed to pass it over to a debt collector without warning me first?

I’d be grateful for any help that you can provide. I feel sick with worry over it all.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.