ARC Debt Recovery / Virgin Active

wah1berg

Earlier this year I cancelled my direct debit to Virgin Active as I was moving flat and had not been for a few months. Perhaps I would have switched branches but the terms were not the same and I had missed the '17th of the month' cut off for cancelling.

I ignored a number of calls from VA to pay the £49 and this has been passed to ARC who are now requesting £177. They are calling, texting and e-mailing me although I have not answered or responded to any. The latest voicemail said it has been passed to their legal department

I have not received any letters as I assume they have my previous address.

Any recommendations on what to do?

Tixy

Are you in a position to repay the debt?

Do you intend to repay it?

Assuming you intend to pay and don't want to risk them obtaining a county court judgement then I would write to the debt collector and ask for a breakdown of the balance. Then I would negotiate to repay them either in a lump sum (in which case they may negotiate a reduction) or in installments.

They have probably already entered a default on your credit file which will be on file for 6 years, if by chance they haven't yet then paying them now should stop a default being entered. Even if one ois already on file at least by paying it then it will show that as a satisfied default.

wah1berg

Yes I could repay it, I just don't want to! I'd been a member for about 2 years and hadn't been for months - although this is probably not relevant.

Should I request a break down and copy of contract and state I wish to dispute it?