D.B.M.E., INC Debt Collection Complaint

D.B.M.E., INC Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid New Jersey

Consumer 's geographic cancellation was effective on - -, - ; and ( ii ) Consumer does not owe a balance to -, because Consumer paid beyond membership dues up until and beyond the effective cancellation date. Consumer was not notified of debt collection through current contact credentials and - did not respond to disputes relating the the debt. As a result, the debt collection method, as well as the debt validity, is invalid. I. Consumer Properly Cancelled Her Gym Membership at -, Because She Gave Forty-Five ( " 45 '' ) Days ' Notice of a Geographic Move Greater than - ( " - '' ) Miles Away from -. Under the - Membership Agreement Terms and Conditions Section 2 ( C ), " [ y ] ou may cancel [ the Membership ] Agreement by providing forty five ( 45 ) days ' written notice in person at the - or by certified or registered mail for any of


Consumer 's residence being over - miles as indicated in the - Membership Agreement Terms and Conditions. As stated in - -, Consumer resided in - -, New Jersey, more than - miles away ( - miles to be exact ) from -, a destination - location. Forty-five ( " 45 '' ) days from - -, -, would be - -, -. Consumer paid dues for membership rights through - -, -. Therefore, Consumer 's cancellation was effective on - -, -, and Consumer does not owe membership fees past - -, -, although Consumer paid for membership through - -, -. II. Consumer Does Not Owe a Balance To -, Because Consumer Paid Beyond The Date The Cancellation Became Effective. Under the Equinox Membership Agreement Terms and Conditions Section 2 ( E ), all monies, except initiation fee, paid pursuant to the contract cancelled for a reason stated in the contract, such as Section 2 ( B ), shall be refunded. As previously stated, Consumer 's contract cancellation was effective on - -, -. Consumer paid final membership dues of $180.00 on - -, -, for membership through - -, -. Thus, Consumer paid at least one month of additional membership, despite not using the - facilities since - -. III. Consumer Did Not Receive Response from - Relating to Debt Dispute, Nor Did - Confirm Current Contact Information Prior to Initiating Collection Proceedings. - refused to update Consumer 's records with current address and contact information where Consumer could receive mail following the move. Instead, Consumer was informed of the balance through a third party startup, - in - -. Consumer did not receive written notice through any current contact information from the debt collection agency and - did not confirm Consumer 's changed contact credentials after Consumer informed them of the move. Conclusion Therefore, Consumer does not owe a balance to -, and its collection agency affiliates ( including Dutchess Adjustment Bureau ), because ( i ) Consumer 's geographic cancellation was effective on - -, - ; ( ii ) Consumer paid membership dues up until and beyond the effective cancellation date ; and ( iii ) because Consumer did not have adequate written notice of debt from the debt collection agency since - refused to obtain Consumer 's current contact information and refused to address Consumer 's dispute of the debt.