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About CynicalSparrow

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  1. Update: Gym phoned me about 20 mins ago (had to answer as I didn't recognise the number, was from a mobile) saying they'd received my letter and were trying to give me a number to call (I assume the debt company) saying that I could simply tell them to cancel the membership since it's over 12 months and they'll do it now. I just told the guy what I said in the letter and nothing more as I have a feeling if I cancel through them they'll try to make me pay the other half of the membership fee due to my promotional rate. Guy on the phone seemed to think my contract was for 12 months and canceling it was fine, whereas the actual contract says 3 years. They actually used another company to do the recruiting in the promo period and they handled all the drawing up of contracts and such as the gym was just getting off the ground. Don't know if that's standard practice or if that info is useful but there we go. I'm still going to wait until the payment on the 25th and then cancel the DD mandate. I assume cease all non written (letter) contact from now then?
  2. Really appreciate this pal, much thanks. I’ll report back regarding the response. Cheers!
  3. Basic etiquette I assume? Or is there a legal reason? I appreciate your advice so far by the way, I’m drafting the letter as we speak.
  4. So just tell them I’m cancelling and leave out the “after the next payment” then? Then when it’s taken later this month, simply cancel the DD?
  5. Thanks for the reply. As far as writing a letter, anything I need to include? Or is it just a case of “I’m cancelling after the next payment, I’m letting you know as a courtesy”, something to that effect? Sorry for the questions but I’ve not done this before, obviously. Thanks.
  6. Hi guys, I've been doing some general reading of the forum and have become aware of the lack of legal powers DCA's possess and that fact that there hasn't been a court case in a long time, however, I would appreciate your advice on my particular situation. I joined a gym (One on One Fitness) on the 17/4/18 so the minimum period (12 months) is up soon. The issue I'm struggling with, however, is that I signed up on a promotional rate which required a 36 month term. This is explained to be separate from the minimum 12 months but it is stated that if the membership is cancelled then I'll be required to pay the difference between the promotion and normal prices. For example, the promotion was £12 a month instead of £24. In the minimum period I would have paid £144 but cancelling would incur a charge of another £144 to make it up to the non promotional price. This seems completely non sensical to me but I'm not 100% sure of how this works as its the first time I've come across something like this. The company handling the membership fee's is Debit Finance Collections plc (DFC) which I have seen being mentioned with increasing frequency around here lately. If there's anything Ive forgotten to add, please ask and I'll clarify. I'm somewhat prone to anxiety and stress so I'm hoping to put this behind me as quickly as possible so that I can get on with things with one less thing on my mind. Thanks.
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