Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21
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    Default Re: CRS help please!?

    Just give us simple answers as best you can to my Q's 1 to 6 please. Give short numbered replies thanks.

    We don't need to see the whole of any Harlandsicon/CRS letters.



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  2. #22
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    Default Re: CRS help please!?

    1. Was this a 12 month or a rolling monthly agreement.12 month.

    2. How long were you a member. Roughly 6 months.

    3. Did you give notice to leave the gymicon, either to the gymicon or to Harlandsicon. Not sure, possibly not.

    4. If so, what date did you give notice.

    5. When was the last NORMAL monthly gym fee paid by you. Early last year at some point i believe

    6. How much have you paid since in adminicon fees. Ive gave about 150-200 to them in total not sure about adminicon fee’s.


  3. #23
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    Default Re: CRS help please!?

    pers i'd go reclaim all the unlawful payments to Harlandsicon, whatever they are for.

    reset the whole thing back to the 1st DDicon failure then write and offer 1 months normal membership only with no fees

    they've had you for a fool.

    they cant do anything to you anyway.

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  4. #24
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    Default Re: CRS help please!?

    What do i say to the bank? Am i claiming back because of fraud? Or have i just been taken advantage of through legal loop holes?


  5. #25
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    Default Re: CRS help please!?

    already told you read my replies in this thread from post 1

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  6. #26
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    Default Re: CRS help please!?

    Hi LM, with your answers so vague about dates and amounts, it's harder to give specific advice.

    But here are some basics :-

    * You signed up for 12 months and were committed to that in the absence of a cancellation on acceptable grounds (unemployment, illness, injury, etc).

    * So you owe in total 12 months m/ship fees as a minimum, possibly plus an extra month's fee for the notice you failed to give.

    * You should not have allowed the DDicon to be used to pay any adminicon fees.

    Can you confirm :-

    1. The normal monthly gymicon fee.

    2. The amount you paid in total by DD's (not anything paid after by phone, etc by debit card).

    3. The amount you paid other than by DD's.



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  7. #27
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    Default Re: CRS help please!?

    I have emailed them 3 times and asked them on the phone
    For a breakdown of what i have paid them and the fee’s they have added. They have just ignored me, i assume they know there fee’s are unfair and know im obviously looking in to it.


  8. #28
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    Default Re: CRS help please!?

    Then go to your bank in the morning and invoke the DDicon guarantee and reclaim the full amount of all DD's paid to them. The bank cannot refuse to do it.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  9. #29
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    Default Re: CRS help please!?

    Sorry but I disagree. The DDicon Guarantee Scheme should really only be used to seek a refund of amounts that are known to have been taken improperly.

    LM, Harlandsicon/CRS aren't going to help you at all so forget emailing them about anything for now.

    Using your bank statements or online bank data, please answer my Q's above.



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  10. #30
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    Default Re: CRS help please!?

    My point was get all the DDicon's back then pay what is owed directly to the gymicon. Keep Harlandsicon out of the picture.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  11. #31
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    Default Re: CRS help please!?

    That's an option but I think any DDicon's taken properly, and in accordance with the initial agreement to pay the monthly gymicon fees, should NOT be reclaimed.

    I would suggest LM only reclaims DD's that were used to take adminicon fees on top of the agreed monthly gymicon fee.

    Let's see when LM provides the info requested.



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  12. #32
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    Default Re: CRS help please!?

    yes correct that's what we have been saying
    reclaim the sums back to the first payment after the last successful payment of membership to the gymicon directly.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
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