Jump to content


  • Tweets

  • Posts

    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lifestyle/Gymgroup cancellation nightmare!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2022 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Good morning, first of all this is the first time i’ve Used a forum so pardon my ignorance.

 

I was a member at lifestyle fitness on Hagley road, Birmingham. I paid for a 12 months membership and only went twice. I cancelled my membership and received a “Sorry you’re leaving” email.

 

Maybe a year later I rejoined. The building having changed Hands to “TheGymGroup”.

 

I was paying by the month and I was using the gym. I got really fed up with the gym and the lack of equipment

 

. I quit my membership through the members app.

Again I received a “Sorry you’re leaving” email. That was maybe 4 months ago.

 

My lifestyle membership i think ended sometime in 2016.

 

I realised to my Horror last week that the Gymgroup are still taking my £18.99 a month!

 

I have contacted them and they said because I no longer have the email, there is nothing they can do.

 

To make matters worse, she said that my lifestyle membership was still running!

 

Now i’m Terrified that they have also been charging me for 2 years without me realising!

 

I don’t even know how to contact lifestyle as they no longer run the gym

 

. I have now cancelled my direct debits, which I will do in the future. I feel such an idiot. I just trusted the companies were professional!

 

I feel so upset and totally powerless. It’s such a mess and I don’t know what to do

Edited by Andyorch
Paras
Link to post
Share on other sites

Go get them back from your bank under the dd guarantee scheme

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

No do it by their phone banking line

Tell them they have never sent notification each month as requir

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi TL and welcome to CAG

 

First off, please read the following guide about cancelling your m/ship properly - https://www.consumeractiongroup.co.uk/forum/showthread.php?452671-Cancelling-your-Gym-Agreement-Get-it-right-!(1-Viewing)-nbsp

 

You shouldn't simply cancel the DD without first checking what you've signed up to, and what notice you need to give.

 

Check with your bank first to see if :-

 

1. The more recent m/ship with the Gym Group is still being paid by DD. You should reclaim all DD's paid EXCEPT 1 for the month you failed to give notice to cancel. So if you quit, for instance, using the gym's App on 1st Feb, reclaim all DD's paid after the next DD was paid, ie all DD's from 1st March onwards.

 

2. The Lifestyle DD's were being paid despite you having cancelled. If so, again reclaim all DD's paid from 30 days after you gave notice to quit.

 

The bank may argue or question your request but it is NOT for them to argue with you about this- they're obliged to refund what you request but just make sure you ONLY reclaim what you're entitled to.

 

Let us know what you find has been paid before contacting Harlands further. Don't contact the gym either for now.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Use whatever you can to guess as accurately as possible.

 

Just be as fair and reasonable as you can and let us know what you think has been paid and when you think the m/ships were cancelled.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

I have called Barclays and asked for my Direct Debit refund.

They have apparently refunded the money and logged a claim.

 

He did say however that if the claim is disputed and they call me for more information, they may need evidence to prove the cancellation of my gym membership.

 

I do not have the cancellation emails anymore. I’ve done everything I can think of to try and retrieve them.

 

I’ll keep you updated.

 

Thanks again for the support, it means so much!

Edited by dx100uk
spacing
Link to post
Share on other sites

Hi TL,

 

The claim will almost certainly be disputed but Harlands will usually just write threatening letters to you telling you they needed paying back.

 

You should not be compromised (with the bank) for not having proof of the cancellation as long as your dates leading to the refunds are reasonable.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 4 weeks later...

I have received a letter from Harlands group today.

 

They said they have received an indemnity claim from my bank to refund the sum of £139.93.

I was under a membership agreement and they received no notice to cancel my agreement.

 

The agreement also states that such payments are non-refundable and ask that I request my bank to withdraw it’s claim immediately.

 

Should I not withdraw the claim and rectify this breach of my agreement within 14 working day I will incur a £25 admin charge and the matter with be referred to a debt recovery company to pursue the full amount and cost incurred.

Link to post
Share on other sites

tough ignore them!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Worried about what??

Get reading other threads

Cant see youve read any..unless done when not logged in

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Dca's are NOT BAILIFFS

And have ZERO legal powers

 

The charges are a PENALTY and are unlawful

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi TL,

 

Their current threats are no different to their previous ones - desperate please to get money from you as per my post #9 above.

 

Ignore their letter!

 

Keep us posted and let us know if the bank writes to you any further about your reclaiming your money.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 1 month later...

Hi all, today I have received an email from “Credit resolution services”.

It states they have been employed by Lifestyle Fitness so another £66.50 has been added to my account balance which now stands at £231.43.

They want me to call and discuss payments. I’m not well and these people are causing so my stress i’m Considering paying the money so they leave me alone. It’s just so much money! I wish they was a method of retrieving old emails so I could prove to these people that I cancelled the memberships

Link to post
Share on other sites

well don't!!

 

block and bounce their emails

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

bailiff...where the hell did you get that idea from?

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...