The Zinc Group and CRS Contact and "confirming" details.

[The Teacher]

Good evening one and all.

 

I have, over the past several weeks received several emails from these companies chasing a debt. As I have never heard of these companies, nor received any letters, etc. from the original creditor I have told them that I will not deal with them as I have never signed anything with them, no contract, nothing, indeed until the emails started arriving I had never even heard of them.

 

The Zinc Group emails are pretty straight forward, however the CRS ones come with an envelope in the email to click, like opening an attachment. I do not open attachments from anyone I do not know.

 

Can any of you give me chapter and verse on where I stand with these companies legally as I will not provide personal details to anyone I do not know. I appreciate that these two companies have been mentioned in the Health and Fitness forum but that doesn't really cover my issue.

 

On another note, when a company rings me up and asks me to confirm details I tell them to tell me what they have, and if correct I will confirm. This usually results in "data protection" getting mentioned by the call centre operative, and an ending of the call. Where do I, indeed any of us, stand in such a situation? Do we have to provide details and what can happen if we refuse? Again chapter and verse if you have it please.

 

Apologies for the long post.

 

Best regards

 

The Teacher.

[dx100uk]

gym debt

 

 

tell us the story

 

 

.

[slick132]

Hi Teach,

 

As DX says, Harlands, CRS, The Zinc group - they all tend to be involved in gym fee collection but they also like to add on extortionate admin fees whenever they think they have a chance of scaring you into paying such fees.

 

Have you been a member of Xercise4Less or any other gym or health club in the pst 2 years - maybe you left, cancelled the DD mandate, etc.

 

Let us know.

 

[The Teacher]

No, none of these are to do with gym membership.

 

The Teacher

[dx100uk]

ok

whats the debt then.

but the same MO applies whatever it is

[The Teacher]

They are for a couple of loans that I couldn't keep repayments up on. I am not disputing the loan but I am not going to provide any details to companies I have no knowledge of so need to know where I stand when dealing with these.

 

Regards

 

The Teacher

[dx100uk]

what payday loans?

[slick132]

Hi Teach,

 

Unless you give more info we can't help much.

 

Can you name the loan companies, date taken out, date you failed to pay what was due, date of default, amount of loan, amount now due.

 

Rough dates and amounts will be fine.

 

Otherwise, you can refuse to respond or reply, or give any info for their Data Protection questions. And don't open any email or attachment from an unknown source. Harlands/ CRS and The Zinc Group have no power or authority at all and we nearly always advise ignoring them in gym cases.

 

But for loans, it may be slightly different.