Hello. I do not know how I should proceed - I am quite worried as I am in the process of wanting to purchase my first home and cannot afford to have silly companies like the ones above impose court junctions against my name / affect my credit rating... Around May 2015, I had the usual nonsense posted on here that Xercise4Less wished to claim £126 from me, for "prematurely" cancelling a DD with no notice. So in result, they sent the Zinc hounds after me, to which after A LOT of harrassment, they accepted all the proof i provided to them and closed my account. This was the final email i received from Zinc "Good Afternoon Mr XXXX, Thank you for your email correspondence which contents have been noted. This has been accepted by ourselves and no further contact will be made. King regards, Amy." Great. Yesterday I received an email now from CRS "Hello XXX We are writing in regards to the account that has been passed to us by Xercise 4 Less. Your file has recently been returned to us by the Zinc Group. Your CRS reference number is ...... and your outstanding balance stands at £126.49. We urgently need to speak to you about this matter and would be grateful if you would call us today on 01444 449165 between 08:30am and 6:00pm. We are happy to set up a payment plan if you can not afford to settle the balance in one go. We are also willing to consider a reduced settlement with you if this will help resolve the matter. Alternatively, if you would prefer us to call you, please confirm a suitable number to reach you on. Many thanks, Rob Avery CRS Collections Manager" I don't want to leave this floating, how can i tell them that this has nothing to do with me anymore, when will this stop . Thanks MN

Sorry, not it was the 30th / September 2014

My first email to them regarding cancellation was 03/10/2014

Hi Slick, Thanks for the quick reply. My DD was paid on the 5th/6th of each month. My first payment was on the 5/11/2013, last payment 06/10/2014 (they offered me first month free). So does this affect my credit rating or not?? I don't know what to do, constantly being harrassed.

Hello, I signed up for a years membership with Xercise4Less Leeds branch in October 2013. After the full year had passed, I emailed X4L querying what the cancellation process was I had moved out of the area and did not wish to continue my membership. I received an email back stating that I must fill out a form and send it to them, either by post or email. I did so and sent it back to them, I asked them for confirmation of receipt however no one replied to me. I waited a month before cancelling my direct debits. Since January 15 I have been receiving numerous calls a day, and have been sent many letters from ZINC collections. I have left voicemails / emails however I am just going in roundabouts trying to explain my situation. ZINC are demanding me to pay £126.49 that I supposedly owe. I paid every month of my contract and believe I cancelled it correctly. What would you advise me to do? I have copies of all emails sent, and bank statements showing the money left my account each month. I am worried that this collection notice is going to affect my credit rating in the future, will it? Regards mn11aah