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About Applefat

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  1. Does the signing of the contract not mean I agreed to the T+Cs?
  2. Just called trading standards and they advised that I get a copy of my contract and also proof of where the amount owed has come from. They also recommended that I pay the fees as if it went to court I would be in a breach of contract as it does state in the contract that there is a £25 administration fee.
  3. Received yet another letter of threat on 9th March 2017: "Following our initial letter, we are disappointed that your account with Xercise 4 Less is still in arrears and our fee has not been paid. We would still like to reach amicable (lol) resolution to this, however, if you fail to respond to this letter, we will have no option but to commence further action to recover the monies owed. The options available to us are: 1. Legal action We believe you are in breach of a legally binding contract with Xercise 4 Less because you have not paid your membership and our fees. We may p
  4. Small update as I have received a few letters in between my last post. The most recent letter is from CRS, which I can see at the bottom of the letter, and from reading other threads, is a trading title of Harlands. The letter says: "We have been advised by Harlands that you have stopped making payments under your membership agreement with Xercise 4 Less. Your balance of £129.97 is now due to be paid no later than 2 February 17. Call Harlands etc etc and pay the balance Harlands would like to resolve this matter before further action is needed. However, under your agre
  5. So I e-mailed them what I showed you all previously and this is the reply I got: "Dear XXXXXX We write in relation to your membership with Xercise 4 Less. Your account is currently in arrears for the month of December 2016. These arrears stand at £59.99. Your next instalment falls due on: 4th January 2017. We can confirm your arrears include £9.99 for your monthly instalment plus 2 x £25 administration charges for the missed payment. It does state in our terms and conditions, which you have agreed to be bound by, is that "If you fail to pay any monies due under th
  6. I have drafted the following e-mail but haven't sent it yet. To whom it may concern, I was unable to pay the direct debit on 4/12/16 due to personal circumstances. However, Harlands have tried to charge an unlawful £25 penalty on top of the gym fee. Because of this I hereby cancel my gym agreement effective immediately. As these administration fees are unlawful by FCA regulations, I will not be paying the £25 administration fee, but I am more than happy to pay the £9.99 payment from 4/12/16, and the £9.99 payment due on 04/01/17 in order to cancel my membership. If you allow Harlands
  7. Thanks everyone, I'll get a letter drafted up to send to them and post it here. Thought there was a bit of daylight robbery going on here haha.
  8. Hey, thanks for your response. I called Xercise 4 Less earlier today and was told that the £25 fee was enforceable by law due to the contract I filled out when I signed up. However, I do not have a copy of this contract either in paper form or by e-mail, but was told that they would have it on file. Specifically they said that "you giving us your bank details implies an agreement". To me, this doesn't sound very legal and if it is not enforceable then I definitely won't be paying them. Kind of a nightmare and I'd advise anyone who is thinking of signing up to Xercise 4 Less to reconsider.
  9. Hi everyone, I missed a payment due to insufficient funds in my account on the 4th of December 2016 for £9.99. I have been reading a number of the threads in this forum detailing similar issues of having a £25 "administration fee" placed on top of that £9.99 I owe them for a total of £34.99 to come out of my account today. I have since contacted my bank and cancelled my direct debit with Harlands. I am happy to pay the £9.99 that I owe them, but I am not happy to pay a penalty charge of £25 (which I have read in other threads is unenforceable). I have cancelled my Xercise
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