hey guys I received a phone call from the dean character from crs he said to me that he will be proceeding with a final letter and ask me how i would like to repay the debt i said to him i have contacted you by email twice which he responded that the information within my emails where irrelevant which i responded that i would like to deal with everything by email. he then said to me he will be sending out a final letter and proceeded to hang up the phone. They have completely ignored my emails. This is the letter they have written to me. Extremely important - Final Demand Your account balance of 337.33 due to gym4all remains unpaid. If you fail to respond to us by 18th october 2012 we will proceed in one of the following ways: 1. Legal Action You have willingly signed a legally binding contract. We therefore believe the court will order you to repay the balance plus costs and interest. The affect of this could include: -A county court judgement (ccj) being publicly logged -A court hearing in front of a judge -Direct monthly payments being deducted from your wages -Seizure and sale of your goods and property by bailiffs -Removal of the balance from your bank account -Balance deducted from sale proceeds of your home via a charging order 2. A field collector will be asked to visit your premises to collect your account balance. YOU CAN AVOID THIS HAPPENING IF WITHIN THE NEXT 10 DAYS: 1. you contact us on 01444 449 165 to either settle 33.44 by direct debit or credit card, set up an acceptable instalement plan, or discuss why you can not pay. 2. You send us a check/postal order/ bank draft for 337.44, payable to credit resolution services and sent to 1st floor stuart house, 41-43 perrymount road, haywards heath, west sussx, rh16 3bn. Guys they have completely ignored the 2 emails i have sent. Im quite worried. Thanks for all the help in advance.

Hey guys just to update anyone who is checking this thread still no replay back ..... Maybe things are going good

Wow slick you made me realise there are still good people out there i can not believe you took your time out to write me that letter I really appreciate I will be sending the email out today. Sorry for the late reply i have been busy with university ... I will 100% be checking out the rest of the forums for similar cases. Thank you. Ill be keeping this thread updated with their responses.

Slick i Love you i joined the gym about 1 year and a half ago i cant remember the exact date it was a 12 month membership the monthly membership fee was 14.99 a month my stupidity i did not contct the gym i think i paid around 30 pounds to the gym before moving i have paid 10 pounds per month for the last 9 months so 90 pounds thanks for your reply slick and thank you everyone else who has replied. ill make sure i tell them to put everything in writing. Thank you again.

i owed originally 180 when crs first contacted me i think they told me around 240.... im really confused to be honest....

Hi guys im in need of dire help. Extremely stressed i have no real idea of what to do. I had a gym membership with gym4all which i could not attend as i moved to Manchester for a year. The total debt i had with them was for 180 pounds. What happened was that this debt was sent to CRS Credit Resolution services i agreed to pay 10 pounds per month as im a student i really can not afford to pay any more. I paid this for a total of 9 months and on the 10 month i missed a payment. I then received a letter stating than i was to be charged a 25 pound administration fee and the next payment was for 35 pounds and on the letter it stated that the account balance to be paid is still remaining of £312.44. At this stage i was stressed and confused thinking how can a debt of 180 pounds raise to £402.44 as i have been paying 10 pounds a month for the last 9 months. So in my stress i called to talk to them 5 days prier to the date that the 35 pounds was to be taken form my account. I called 5 days before because it stated on the letter that i needed to contact them at least 3 days before payment was to be taken from my account. I was then told that someone will be in contact with me soon as the person "DEAN" was not at the office however i told them that i will be cancelling the direct debit on the account until i can talk to "DEAN". I was then contacted 1 week later by "DEAN" I was contacted after receiving another letter saying that i have encored a further 25 pound charge as they were not able to take the 35 pound out of my account so now the next direct debit will be for 60 pounds. When i talked to dean he stated to me that only £7.50 of the 10 pounds per month i have been paying was to pay my debt and the £2.50 was for my admin charges. I then asked dean for the following: True copy of the original credit agreement The statement of the account Copy of the executed deed of assignment from Gym4All to Credit Resolution Services which he replied by laughing at me and saying that they dont apply to my account and i should not be using information from the internet and i should get some real legal advice. I have no real idea of what to do. I sent the following email from information i managed to find on the internet. Dear Sir/Madam Re: CRS Ref No: / Gym4all Ref No: I am writing this email on the advice of my legal aid. I am disputing the charges that have been added to my account. I would like a copy of your complaints procedures and information on who you regulators are as well as the following: True copy of the original credit agreement The statement of the account Copy of the executed deed of assignment from Gym4All to Credit Resolution Services I have paid 10 pounds per month for the past 9 months which comes to the sum of 90 pounds. I am willing to come to an agreement to settle this account which was for the 180 pounds that I owed gym4all however i am not willing to pay the current account balance of 312 pounds and 44 pence. Or the balance which was quoted for me of 264 pounds and 64 pence. At this stage any legal action you may contemplate will be both vigorously defended and contested and consider this matter to be “in dispute”. I look forward to hearing from you. Yours faithfully, I am now waiting for a reply. Thanks in advance for every ones help. I know it may not seem like a huge amount of money but it is when you cant afford to pay it. Thank you KRezaie