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  • FIRST POST
    • Ekul
    • By Ekul 7th Aug 18, 9:01 PM
    • 3Posts
    • 0Thanks
    Ekul
    CRS - Gymbug
    • #1
    • 7th Aug 18, 9:01 PM
    CRS - Gymbug 7th Aug 18 at 9:01 PM
    Hello all,
    I have recently recieved an email from Credit Resolution Services (CRS) regarding a membership at Gymbug from January 2013 when I was 17.
    Long story short, this membership was supposed to be a Christmas gift from my mum, however she decided not to pay it after a month and since then I have moved houses quite a bit.
    Fast towards to 19th July this year and I get an email from CRS saying I owe 377.22 with the usual contact us within 7 days message. I have requested a copy of said contract with the Gym as I don't remember it being 16 A month but I could be wrong as it wasn't myself dealing with the payments.
    Anyone any advice on what I can do?
Page 1
    • zx81
    • By zx81 7th Aug 18, 9:10 PM
    • 18,012 Posts
    • 19,217 Thanks
    zx81
    • #2
    • 7th Aug 18, 9:10 PM
    • #2
    • 7th Aug 18, 9:10 PM
    See what contract evidence they provide.
    • CakeCrusader
    • By CakeCrusader 7th Aug 18, 9:12 PM
    • 485 Posts
    • 244 Thanks
    CakeCrusader
    • #3
    • 7th Aug 18, 9:12 PM
    • #3
    • 7th Aug 18, 9:12 PM
    You're not able to sign a legally binding contract if you're under the age of 18 (unless it's for education or for employment or 'necessities') as you were legally a minor (so it wouldn't be legally binding even if you did sign it). Have you sent them a 'prove it' letter or have you just asked for a copy of the contract?
    Last edited by CakeCrusader; 07-08-2018 at 9:13 PM. Reason: typo
    • Ekul
    • By Ekul 7th Aug 18, 9:38 PM
    • 3 Posts
    • 0 Thanks
    Ekul
    • #4
    • 7th Aug 18, 9:38 PM
    • #4
    • 7th Aug 18, 9:38 PM
    I initially asked Gymbug themselves for a copy, and surprisingly they have gotten back to me within minutes.
    The man I was taking to over email had told me that CRS is not them and it is a scam and provided me with a link to 'dontpaywonga'website to an article saying not to to lay CRS.
    I woud post the link bt as I'm new I cannot.
    • sourcrates
    • By sourcrates 7th Aug 18, 11:37 PM
    • 14,867 Posts
    • 13,958 Thanks
    sourcrates
    • #5
    • 7th Aug 18, 11:37 PM
    • #5
    • 7th Aug 18, 11:37 PM
    I initially asked Gymbug themselves for a copy, and surprisingly they have gotten back to me within minutes.
    The man I was taking to over email had told me that CRS is not them and it is a scam and provided me with a link to 'dontpaywonga'website to an article saying not to to lay CRS.
    I woud post the link bt as I'm new I cannot.
    Originally posted by Ekul
    Credit Resource Solutions are a UK Debt Recovery Agency, if they are contacting you they will have been asked to do so on behalf of one of their clients, in this case the gym you mentioned.

    You should keep all correspondence in writing and send the provit letter to accertain your liability.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Ekul
    • By Ekul 8th Aug 18, 5:46 PM
    • 3 Posts
    • 0 Thanks
    Ekul
    • #6
    • 8th Aug 18, 5:46 PM
    • #6
    • 8th Aug 18, 5:46 PM
    I have set to them a 'prove it's letter as to which their reply was:

    "Further to our previous correspondence, if you have valid grounds for dispute, please advise us of these in your own words.

    The text you have sent to us, which we have seen many times previously, is predicated on the notion that we have ignored and failed to investigate or respond to your dispute of the debt made on valid grounds. It is, however, one of only three items of correspondence we have ever received from you in more than five years of dealing with this matter and none present any grounds for dispute.

    There has been and remains, therefore, no valid grounds for dispute, and nothing for us to investigate, and thus no reason to suspend action against you."
    • sourcrates
    • By sourcrates 8th Aug 18, 8:26 PM
    • 14,867 Posts
    • 13,958 Thanks
    sourcrates
    • #7
    • 8th Aug 18, 8:26 PM
    • #7
    • 8th Aug 18, 8:26 PM
    I have set to them a 'prove it's letter as to which their reply was:

    "Further to our previous correspondence, if you have valid grounds for dispute, please advise us of these in your own words.

    The text you have sent to us, which we have seen many times previously, is predicated on the notion that we have ignored and failed to investigate or respond to your dispute of the debt made on valid grounds. It is, however, one of only three items of correspondence we have ever received from you in more than five years of dealing with this matter and none present any grounds for dispute.

    There has been and remains, therefore, no valid grounds for dispute, and nothing for us to investigate, and thus no reason to suspend action against you."
    Originally posted by Ekul
    Utter rubbish,

    Write back telling them that you do have a dispute, that they are obliged to either provide evidence of your liability when asked, or to never contact you again about the matter.

    Remind them of what the FCA handbook says :

    CONC 7.5.3R01/04/2014

    A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

    Tell them your next call will be to the financial ombudsman if they do not comply with your request.
    Last edited by sourcrates; 09-08-2018 at 12:04 AM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
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