I've lost count of the number of calls, texts and automated messages left by EQL - Not just me but my girlfriends parents as well.. This is despite the following letter sent in 2007 and despite the alleged debt now being statue barred (assuming this letter didn't "re-set the clock" - I've made no payments, and never accepted this as a genuine debt). What's my next course of action? Further letters, complaint to OFT? Find their head offices and go on a kill-crazy rampage? Seriously, it's getting ridiculous now! Help much appreciated, as always.. Equidebt ltd Equity House Ettington Road Wellesbourne Warwickshire CV35 9GA Ref: 54601 6303 4766 111 20th June, 2007 Verification required of Alleged Debt I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true and original copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number 08358149. I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested and consider this matter to be “in dispute”. Yours Sincerely, xxxxxxxxxxxxxx

Hi guys I am being hounded by EQL/Equidebt on behalf of Aktiv Kapital UK Ltd which on research is another debt collection company,the money they are chasing was fully pain in june 2006 and now this company is hounding me for payment, have read a few forums and from what I can gather need a statute barred letter but am unable to find the template, please help new member, regards

Hi All, I'm brand new to this forum so apologies if I've posted this in the wrong forum but this looked to be the most relevant section. I took out a gym membership with Bodyzone in Newcastle upon Tyne and initially agreed a 12 month contract at approx £32 per month. However, during my contract, the gym changed their membership packages, removed the 12 month contract element and dropped their monthly subscription to approx £15 with no contract. I enquired as to whether I could change to this new arrangement and was advised (in writing, via email) that as I had completed 6 months of a 12 month contract I could be changed over immediately and should contact the receptionist at the gym to arrange. I did so (in person) and was advised to cancel my existing direct debit and the gym would take care of the rest. Due to an injury (sustained at the gym) I did not attend the gym again and assumed as I had written confirmation that I would be moved to the new arrangement (no contract) that I was under no obligation to make any further payments as long as I did not attend the gym. Over the following months I received no further correspondence from the gym, but received a letter from a company called Credit Resolution Services who claimed that I was in debt to them to the sum of £231.50. I contacted CRS and advised that I did not accept their claim nor acknowledge any debt to either CRS or Bodyzone gym. I explained the situation and forwarded the email confirmation I had received in writing from the gym manager. I advised that I would not correspond by telephone and that all contact should be in writing. I was contacted again by CRS some months later advising; "Further to the above matter, we have spoken to (Receptionist) @ the Gym, whom has confirmed, that as you did not pay the required Transfer Fee in the sum of £30.00, your Membership was never changed. In view of the above, this debt is valid and due." The confirmation email that I received did not mention a "transfer fee" nor was this mentioned when I visited the gym in person. I responded to CRS advising that their actions in no way validated their claim and that the written confirmation I received contained no mention of a £30 transfer fee. See below: "Hi (Name removed), Please call into the club and see (Receptionist), so long as you have completed 6 months of a 12 month contract we can change immediately, (Receptionist) will explain the rest. Kind Regards (Name removed)" I have advised CRS numerous times that I dispute their claim entirely and acknowledge no liability to themselves or the company that they act on behalf of. However, this morning I have received 2 emails from a company called Equidebt Ltd (EQL) who have advised that they are acting on behalf of CRS. See below: "Dear (Name removed), Creditor: Credit Resolutions Services Reference: (Removed) We have been instructed by Credit Resolutions Services to collect your unpaid Gym Membership Direct Debit. It is important that you contact us immediately to resolve this outstanding debt of of £231.50 Call us after 8am on 0800 032 4280 or visit (website) to make your payment in full. Our hours of business are: 8.00am and 8.00pm Mon - Thurs, 8.00am - 6.00pm Friday or 8.00am - 1.00pm on Saturday. Yours sincerely, Equidebt Limited" I hoped that one of you guys may be able to help with my understanding of my legal position here. I did sign an agreement at the beginning of my membership, but then received written confirmation from the manager that this would be changed (immediately). I at no point signed any agreement with CRS therefore am unsure as to why they have been named as "creditor" by EQL. I've had dealings with EQL previously regarding intimidating letters referencing statute barred debts, so I understand that they aren't an ethical company, however the last thing I want to do is ignore their letters / emails if I have reason to stand my ground. As far as I'm concerned, the most they could claim from me would be a months membership under the new arrangement (therefore approx £15) but I'm also aware that if I state this or make an offer to pay then I am effectively accepting liability. Any help / advice would be greatly appreciated. Thanks guys!