Urgent-advice Needed-please

[smudge123]

I have appeared to get myself into a mess here and really dont know where to turn!

 

Ive got three people who are threatening to take court action against me and I really dont know what to do. I noticed from here you can request documents from creditors etc but need some help.

 

I'll outline my problems below!

 

Revenue Collection Services Debt Collectors:

 

I had a membership to a boxing club. I paid by direct debit but had to stop for personal reasons. When I completed the D/D form I was not told I was entering into a contract I merely thought it was just a D/D mandate. These people are now demanding £491.00 or they will take me to court and instuct baliffs to call.

 

Capital One:

 

Again threats to take me to court unless payment is made.

 

Vanquis:

 

Same as above.

 

Is there any templates I can use to send to these people? any help would be appreciated.

 

Thanks

 

Chris:-(

[PGH7447]

I have appeared to get myself into a mess here and really dont know where to turn!

 

Ive got three people who are threatening to take court action against me and I really dont know what to do. I noticed from here you can request documents from creditors etc but need some help.

 

I'll outline my problems below!

 

Revenue Collection Services Debt Collectors:

 

I had a membership to a boxing club. I paid by direct debit but had to stop for personal reasons. When I completed the D/D form I was not told I was entering into a contract I merely thought it was just a D/D mandate. These people are now demanding £491.00 or they will take me to court and instuct baliffs to call.

 

If this is a gym membership then you must hace signed an agreement, if not then they dont have a leg to stand on, send them a cca request in the first instance.

 

Capital One:

 

Again threats to take me to court unless payment is made. Credit Card? if yes then same as above

 

Vanquis:

 

Same as above. ditto

 

Is there any templates I can use to send to these people? any help would be appreciated.

 

Thanks

 

Chris:-(

 

The Consumer Forums - Debt collectors

 

template 8

 

costs £1 postal order, send recorded do not sign the letter.

 

they have 12+2 days to reply