Left leisure leagues, now want money from me

[dx100uk]

stop using google!!

you must remember that the internet is full of people that LIE, simply to gander free money out of people. most of them are employees of the said scammers!

 

post a link to what you found and we'll debunk it if you like.

 

dx

 

[Andyorch]

A County Court Judgment will damage your credit rating if it did go to court and they won and you got a CCJ on your credit file but that isnt going to happen as per Slicks post.

[gg123]

i just googled this 'can debt collectors affect your credit score' and if you do the same you can see a few things about it, on equifax etc.

 

https://www.experian.com/blogs/ask-experian/credit-education/report-basics/how-and-when-collections-are-removed-from-a-credit-report/

[dx100uk]

they dont own the debt and gym debts are never sold.

AND 

just because a debt collector is 'used' it doesn't mean a debt magically appears on your file.

 

 

a DCa is NOT A BAILIFF

and has

ZERO powers on ANY debt - no matter what its type!!

 

dx

 

[gg123]

I'm reading that gym debts are sold, and can effect your credit. Even though this isn't a gym and is stupid but I'm just worried cause I'm trying to improve my credit and this would set me back. Some websites say it can effect your credit rating as the agency can report it. even tho this isnt a  debt

 

[slick132]

Hi GG,

 

I've been helping here on CAG since 2007 and I've dealt with pretty much every scenario that can occur with gyms, health clubs, etc.

 

Trust us and stop scaring yourself reading rubbish elsewhere. As DX said earlier, the rubbish you're reading is probably put there by DCA's.

 

This will NOT affect your credit rating - end of !!

 

 

[gg123]

Okay, thanks for all the responses I'm just tryna put my mind at ease like you said. I'll report back in a few weeks or so thanks for all the help and responses will ignore everything

[dx100uk]

gym debts are not sold nor can these soccer league ones be,

its a contract not a credit agreement.

 

just like private parking speculative invoice parking charge notices.

they are under contract law.

 

and can never show.

 

as i said, just 'because' a dca is involved in a debt, they have no more legal power than you or i.

we cant put a debt on someone elses credit file, neither can a dca.

 

stop reading BS!!..

 

dx

[dx100uk]

1 hour ago, gg123 said:

I'm just worried cause I'm trying to improve my credit

another urban myth

you cant do anything like that even by paying debts off, or taking out new credit to show payment history is good...absolute rubbish portrayed by these card providers nad the credit ref agencies that promote them and get funded by them

 

 

stop getting conned!!

[gg123]

ok bro thank you, ill report again in a few weeks or so thanks for the advice mr dx

[gg123]

just curious, if something like this or whatever else. they sent of a court app and it was sucessful, could the court ever look at it and see ive ignored the dca and then just assume the decision or would they have to send me a court date for example and allow me to defend myself or could they just make a decision without contacting me as ive ignored the dca

[dx100uk]

Ignore them. Please.

 

Dx

[slick132]

GG you really need to relax about this but perhaps the following will help. 

 

We've made it very clear that gyms or similar m/ships do NOT end up in court.

 

However, if yours was the first case we've seen here on CAG that ended up as a Small Claim court case :-

 

1. You can defend any such claim and have a decent chance of winning. 

 

2. The judge wouldn't care less that you ignored the demands or chose not to pay.

 

3. If you lost and a judge found you owed some money, you can pay in full within 30 days and have the CCJ removed from the Register. This would avoid the matter affecting your credit rating.

 

So even in the worst case scenario, you can easily avoid this matter spoiling your credit score.

[gg123]

ok man thanks i appreciate it i really do!

[gg123]

another email today, a copy of last week i suppose i have another 7days, just shows they are desperate i think. but will continue to ignore

[dx100uk]

there IS no BUT.

 

dx

 

[gg123]

ok mr dx forgive me master i WILL ignore

[gg123]

update no emails this week for the first time, since the issue, hopefully the [edited - HB] have given up. will update soon again for those who need assurance

[gg123]

Heard nothing, no emails no letters. Looking back you realise how stupid it was, and how you shouldn't worry. Anyone referring to this in the future they have no legal rights, they are wrong and can do nothing to you. It's all just a bother to get money out of people. ignore it all

[dx100uk]

10 minutes ago, gg123 said:

they have no legal rights

never say never....

they do for 6yrs from the date of the 'offence'. dont take you eye off the ball for a letter of claim. do not move without informing them in writing.

 

10 minutes ago, gg123 said:

they are wrong and can do nothing to you.

 

thats for a judge to decide not you.

 

and as above - they COULD do something for upto 6yrs

 

but all indications to date we've never seen it happen, not once, in numerous years.

[gg123]

For a whole month or two you've been telling me they in the wrong, they won't take legal action.

They are just trying to get money from me, but now you say I need to write to them about moving, and that a judge is needed to realise they are wrong by moral and law probably,

 

i suppose they have 6 years to get 64 pound from me for leaving a league 5 days from signing up.

 

a judge isnt needed to decide whats right and wrong,

 

i just worried but now i realise how silly it is

 

thanks for the help though everyone

[dx100uk]

it wont happen, it never has, but never say never..

 

its always better to be clear, even remotely what could happen in the worst case scenario.

 

but ofcourse it wont.