Am surprised - no one have any idea?

Hi, I joined my local gym just over a year ago and signed 12 month contract, which I was happy to do at the time. But during the year my attendance was curtailed due lack of motivation at times and injuries: 1. Mechanical back problem. 2. Spurring in my left shoulder which needed injections. Towards the end of my contract my wife insisted I cancel it as there had been months that I didnt attend at all and still paid for it. I contacted the gym explaining I was going to have to quit at the end of my contract, which was fine. So i went ahead and cancelled my direct debit after final payment. I kept nagging at my wife to allow me to continue and after a couple of weeks she gave in on the understanding that if any of my injuries played up or I lost motivation I was to give it up then. I went to the gym, explained the situation to the gym owners husband, who is also a trainer there, and asked for a new direct debit form to fill in so I could continue my membership. He gave me the form, I quickly filled it in and left. I got a letter this week from the company that deals with their direct debits saying it was set up and I was now on a 12 mont contract! None of which I wanted or was told was happening. I emailed the gym: Hi *******, I emailed you back in December saying that due to injuries etc I was going to have to cancel my gym membership when it expired beginning of this year. After agreeing a termination I went ahead and cancelled my direct debit. But after moaning at my wife constantly to get another chance, she finally agreed to let my membership continue provided I kept going and my injuries never flared up excessively - if they did i was just to cancel my membership then, which I agreed to. I popped into the gym on the 3rd and explained to your husband the situation and said I need to set up a new direct debit to continue my membership - he gave me a direct debit form which I filled in and handed back. I received a letter today from the company you hire saying the direct debit was set up and I had 12 payments to make before I could cancel. I never agreed to a 12 month contract and your husband never said I was signing up for a new 12 month contract - I was just looking to fill in a direct debit form to keep my membership going as long as I kept attending as per arrangement with my wife. Am hoping it's just a misunderstanding as I'm not prepared to sign up for a new 12 month contract I'm afraid. Regards Her reply was: Hi ******* I am sorry but we have moved over to Direct Debit now and this is managed by a third party. I am afraid it is a 12 month contract however this also guarantees that you will maintain the same membership amount for a year even if the membership goes up. The only other option is an 8 month contract. Let me know what you want to do. I am sorry for any misunderstanding. Thanks I have always paid by direct debit so dont get what she means "we have moved over to Direct Debit". I want to continue at the gym but not on a 12 month contract, all I wanted was a continuation of my current membership. My membership was due to finish about the 6th and I signed the new direct debit on the 3rd, still within my membership year to keep it rolling. There obviously was something on the direct debit form which said it was a new contract or something but it was not pointed out to me or explained and I failed to notice it. Is there anything I can do? Thanks!

Which bank was this? - Clydesdale Bank Did you agree to take out a new loan????? No chance Although a DCA is involved I take it I send my CCA & S.A.R - (Subject Access Request) to the Clydesdale? I'll extend the dates by a couple of weeks or send them after New Year?

Morning, Wondering if someone could give me a bit of advice. I took a loan out in Feb 01 and was told by the bank I had to take PPI to "ensure" i got the deal I was given. A couple of years ago I got into a bit of financial mess and approached the bank to remove the PPI so I could afford to keep the payments up - the bank refused but offered to give me a new loan without the PPI but when quoting me the new deal it was only a few pound less than I was paying back anyways. I ended up being defaulted and handed over to a DCA (Jeremy Sutcliffe) and I agreed to a new repayment figure, but a few months down the line they insisted I pay the full payments or get taken to court etc which I have managed to maintain thus far but is a real struggle. I am currently paying a few £ over my agreed repayments than the original loan agreement. 1 - My repayments still include the PPI which is approx £82 a month - should I still be paying this on a defaulted loan? 2 - Also I'm not use to this but if i'm defaulted is the interest still added from the original agreement or should I just be paying back the loan amount - have already paid back over £22000 on a £15000 loan. 3 -I made a claim on my PPI (resulted in them paying my loan for 2 months) can I still claim back my PPI minus the money they paid out? If I could somehow settle or get these payments down (£260 a month) it would take a lot of strain away from my finances & stress from me. 4 - I have a CCA & S.A.R - (Subject Access Request) here ready to go, but am also wondering if it's worth sending a letter regarding the PPI? If so any templates I could send? Thanks for any advice

Morning, A quick question for you, i have had my loan passed to these people and am wondering if these people bought my debt or are working on behalf of Clydesdale bank? Thanks

Morning all, Am looking for some advice regarding PPI but will need to give you a quick history. I borrowed £15000 from the bank and was told to take PPI out to ensure I got the loan I was looking for, over a period of 10 years. (think i'm into year 7 of repayments now). I was paying £256 a month including £86 PPI per month. Unfortunately I took ill 5 years into my loan and the PPI paid my loan repayments for a period of 5 months but I ended up losing my job through ill health. During this illneess/unemployed period I ended up in financial difficulties and started missing some payments on other credit cards/loans. I did manage to regain employment quickly. My new jobs pay is a lot less than my previous employment & i approached the bank asking them to cancel my PPI as i could no longer afford to keep up my repayments - they insisted I would have to do a new loan at a higher interest rate and it worked out at the same payments as i was currently on but I refused to do this. I struggled on and ended up being defaulted on this loan and it was passed to a Debt Collection Agency. I remorgaged and paid off a lot of my loans/credit cards but not this one as the DCA asked for a huge settlement figure. I am still currently repaying £260 a month the the DCA for this loan, more than my original agreement as the DCA insisted I had to do - this still includes the PPI protection. I have roughly paid around £21,500 back to this loan and still have a few more years to go, of which £7000+ has been to PPI. I have been unable to to find my credit agreement and am wondering how I go about getting a copy - is it worth asking for a S.A.R - (Subject Access Request) & CA copy? Also who do I approach, the bank or the DCA over this. Any advice or help would be appreciated. Thanks