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  1. I am hoping I can get some advice on my xercise4less membership. Summary of my story: Signed up at my University campus October 2015. I thought the payments would start after an induction at the gym and I never attended. Noticed I was paying and put a cancellation request in in march 2016, as I still had not attended the gym. Cancellation was rejected as I was in a 12 month contract. Forgot about this and was reminded when I noticed a payment on the 2/1/17. Gave notice again on 3/1/17. Cancelled DD as payments are made in advance. As my notice fell into a new billing month, by 1 day, xercise4less want another full months payment. I feel this is really unfair as I never even stepped on the premises of the gym and paid them 16 months. Spoke to their finance team and they didn't want to know and advised me to speak to the branch manager of the gym. I phoned the local gym and the manager was not in, so I left my details and was advised I would be called back. This was 2 months ago and I never heard back. I now have demands from harlands and CPS for £171.47 Any advice? Thanks Craig
  2. I joined Gymetc in November 2015, cancelled my direct debit in October 2016 after phoning the gym and being told I should cancel my direct debit. 2nd November 2016 my first letter from Harlands - I phoned them explained I had cancelled, I was told to phone the gym as they hadn't cancelled my membership. When calling gymetc said I should provide written notice of cancellation, I emailed them the same day asking them to cancel my membership and also mentioning I had contacted them by telephone in October. Another letter from Harlands 30th November 2016 adding more money onto what they say I owe - I again called explaining and they said they would get in touch with Gymetc as they hadn't received notification of my cancellation. I called Harlands a week later asking if they had a reply from the gym which they hadn't. They were chasing it. 10th January letter from CRS (Harlands) adding more fees. I again called and they we're again calling Gymetc to query. 8th February another CRS letter - the one where they threaten legal action. Since cancelling I found out I didn't start paying my 12 month contract until January 2016. I therefore believe I owe two monthly amounts to complete the 12 months, £21.99 x 2 = £43.98. I found CAG and started reading similar stories, I will no longer talk over the phone and have ignored text messages and calls since. I sent a letter to Harlands/CRS using a template I found on here. I offered £43.98 and a response within 14 days. I've received a letter today declining my offer of £43.98. It starts by saying cancelling my direct debit was not adequate notice of my intention to cancel. It mentions the case of the office of fair trading versus Ashbourne Management services ltd. It waffles on about all the charges and that I owe £196.48 but they would be willing to accept a reduced sum of £146.48. What would you advise I do next? Many thanks for your help!
  3. I am seeking some advice, I signed up for a gym membership in January 2015 under a 12 month contract in GymEtc Preston, Lancashire. In May 2015 I had to move back to Northern Ireland I asked a receptionist at the gym if I could cancel my membership but they told me I couldn't as it is a contract I took their word for it. As I was moving and had no job to go to I had to cancel the direct debit. I cancelled the direct debit in May 2015, my last payment was 1st May 2015. Harlands/CRS act on behalf of the gym (which I wasn't aware of at the time of signing up) they then started sending me letters chasing me for money - a total of £410. I agreed to pay them £15 a month beginning October 2015 and because I was paying instalments they charged £2.50 per installment which then added another £100 onto the balance making it £510. It wasn't until recently I started looking into this more and reading reviews on Harlands/CRS, which aren't good as all. I had already paid 4 installments of £25 to the gym before I cancelled the direct debit. If I had of stayed with the gym at £25 a month I would a paid a total annual cost of £300. I then called Harlands/CRS to see why the amount was so high to which they said there were 9 months of payments left on the contract totalling £225. Also 2 x £25 for missed payments, a debt recovery fee of 36% which was £99 and £36 for tracing me to my new address. The only terms and conditions of the gym mentioned on their website are; - If you fail to pay any monies due under this agreement or if any Direct Debit is returned unpaid or any cheque is returned unpaid or if any other form of payment is not honoured for whatever reason , you shall pay us on demand an administration fee of £25 (which we require to cover our costs of seeking to pursue such payment from you). - If you fail to pay any amount due under this agreement for a period of more than thirty days , then we may pass the debt to a third party company for collection. The reasonable and direct costs incurred in employing the third party company will be borne by you including costs in tracing you if you have changed your address without telling us. In the terms and conditions it states: CANCELLATION •Relocation: This agreement can be cancelled in the event that your new permanent address I s more than 15 miles away from the facility upon receipt of a copy utility bill or bank statement showing the new address. I have since spoken to the gym and they have waived all their fees and said they would backdate any debt agency fees for my relocation to the month I moved (May 2015). I have already paid Harlands/CRS £105 and they are still wanting £99 for their fees. Are the fees they are charging enforcable by law from what is mentioned in the contract terms and conditions? I contacted the FCA to see what they could do and it turns out that Harlands/CRS are no longer regulated by the FCA so they can't do anything about it, however they were regulated by the FCA at the time I became a member of the gym. They said any rules would only apply if the agreement with the gym was a consumer credit agreement, which I emailed the gym and they have replied saying it is a consumer credit agreement. I then complained to the Financial Ombudsman as stated in my terms and conditions that I could do so: "CONSUMER CREDIT ACT 1974 (”THE ACT”) You have a right to complain in relation to consumer credit matters to The Financial Ombudsman Service. CRS sent me a letter to confirm the receipt of the complaint to the Financial Ombudsman. They also added, Please be aware that the contract you entered into is not a credit agreement and therefore outside of their jurisdiction to deal with. We can confirm the administration fees of £25 are stated in your contract. It is also stated you would be liable for our debt recovery costs and trace fees. In view of this we maintain that all fees are valid and legal." They have attached a copy of terms and conditions which are Harlands terms and conditions and not the gyms, which is not what I signed up to originally. Then they have also increased the balance from the agreed £99 to £212.50. The issue is no longer regarding the gym as they have waived their fees from the month i moved back home to Northern Ireland. The gym have told me it is a credit agreement, Harlands/CRS have told me it's not. I have already paid them £105 and they are still wanting £99, plus for paying that back by instalments another £2.50 per instalment charge would be added!!! I don't want anything going on my credit file and definitely not a CCJ/DEFAULT. What should I do? ***PLEASE NOTE: ANY PHONE CALLS I HAVE MADE TO HARLANDS/CRS HAVE BEEN RECORDED ON MY PHONE SO I HAVE PROOF OF CONVERSATIONS MENTIONED*** I would be so grateful of any help I can get. Thank you in advance
  4. Hi all Me and my partner both joined a Harlands gym in October 2016 and it has been the worst decision we ever made. When signing up we weren't given a tour round to see the facilities or offered any free-day passes or anything like that and was told me needed to sign a 6 month contract which was £22 via DD before we were even allowed in the gym. We reluctantly agreed because the gym is our local was disappointed to find that there was a severe lack of equipment in the gym and was very unsuitable for our fitness needs. For example it didn't have a squat rack, a bench press, and the dumbbells only went up to 30kg and there was only a single pair of each weight available. Some of the equipment machines were also unusable as a few of the tread mills and cross trainers were constantly out of order, and to top it all off they were constantly redecorating the gym so it stunk of paint/solvents and there were always painters and decorators walking around when you were walking off. Considering the size of the gym was also very very small, it was constantly overcrowded and the paints sometimes bumped in to you when you were working out! After three months of disappointment and telling the gym staff our concerns, me and my partner informed a member of staff on the reception that we would be cancelling our DDs because of the above reasons and the fact I had also been made redundant so we couldn't afford the memberships anymore as well as running a household. The member of staff agreed and said that was fine so I thought that would be the end of the case. A month after this the letters and harassment from Harlands began. They said that we had cancelled our DDs before the contract was up and demanded all monies owed to be paid as well as admin fees. After reading this forum quite a bit, I decided to heed other users advice of completely ignoring them which worked for a while. After a few months of this, Harlands passed the debt onto CRS who are calling me and my partner every single day and sending us sham letters saying that if we don't pay the debt they will send bailiffs round to our house to collect it! I know these guys are chancers and bank on people getting scared and paying, but I am determined to not let them win. The amounts both me and my partner owe are roughly £180ish each after 4 months of £22 membership fee and then the same on top in admin fees. We last paid our memberships in January 2017. Has anyone got any advice for me on what to do or should I just keep ignoring them? I really don't mind sending a strongly worded letter to their head office or the manager of the gym but don't know how to word it or what to include apart from the obvious. Ideally I just want them to bugger off and leave us alone! Thanks in advance for all your help!
  5. Hi Morning all, Decided to join Exercise4less 4ish years ago,Went 3 times cancelled my DD Nov 2015 I know I didn't read small print regarding membership,recieved letter demanding £9.99 + £25.00 admin fee,So i called them up was told I would need to fill in an online cancellation form which I did, Ive heard nothing since until yesterday when letter arrived demanding £171 inc fees of £66.50 , Any advice appreiciated, Many thanks, Paul.
  6. Hi everyone, It seems I'm not the only one being hounded by CRS on a daily basis. I was bought a gym membership in my own name (without my knowledge initially) last year as a Christmas present. It was my local gym at the time. I went to the gym for around 10 months before the gym were given notice that I was moving away from the area. They had a couple of months notice. My parents didn't send this recorded delivery as they never thought this would happen. A couple of months passed and I got a letter from the gym saying that I hadn't given notice - I had already moved at this point and my parents (who started the contract) received it. They were given notice once again saying that I had moved out etc. My "debt" was then passed to CRS who are phoning me several times a day. I have explained to Harlands that they have passed my details to a third party without my consent - I did not start the contract and I never paid a penny for anything in my name. My parents started it and paid it for me as a present. Harlands refuse to talk to my parents on the phone. Harlands also refuse to discuss anything with me as it "has been passed downstairs to CRS". From where I'm sat I'm being chased for a debt I don't owe. I didn't start the contract, I didn't sign anything and they were given notice (by my parents). CRS tell me that they will be sending letters to me if I refuse to speak on the phone. I've explained I don't live there anymore - so they tell me they will give the debt to their solicitor who will trace me and I'll be charged for it. Any thoughts guys? The original debt was about £75 I think and now we're at £280 ish...all "admin charges" and "penalties" of course. Thanks, LittleFanta
  7. Hi, Having an issue with these people not rush fitness anymore because apparently they have nothing to do with it now. So my story is, i signed up to rush gym in October 2016 and as i am told this is a 12 month contract which i didn't really understand at first because when i signed up online i saw something about no contracts but anyway. In January 2017 i wanted to cancel my gym membership as i could no longer afford the fee's as i was unemployed and the direct debit was coming from my mums account who is also unemployed and is claiming benefits as she was diagnosed with breast cancer and she stopped working. I then called my gym (rush fitness) and was answered by a women whos name i do not know now because its been a while anyway i explained the situation to her and she said yeah thats fine i will get that cancelled for you and you can cancelled your direct debit too. Got silence and peace of mind for a while now, until around the 20th feb when i recieved a letter from harlands saying they were unable to collect my installment and they added a £25 pound admin charge...(17.99+25.00=42.99 arreas) i called harlands and told them that i had cancelled my membership in jan and was told to cancel my DD. They replied with not their issue and i should contact the gym and i should re-instate the DD and pay the admin charge which i just cut the phone on him as he was very blunt! I called my gym and spoke to another rep and this time it was a male, i explained the situation to him and he then went on to saying that i couldnt cancel over the phone and he doesnt know who i spoke to and i couldnt remember her name either. He told me the only way to cancel was online so i should re-instate my DD for the time being but i dont have the money so he said i should contact harlands about that. i went online and again went through a cancellation process and recieved an email saying that i ahve to provide proof in which i did reply that i was not currently working and my mums medical issues and how we couldnt afford it. On the 18th of march now i recieved a phonecall which i missed on my phone but still have the voicemail of from connor from rush gym who contacted my to say that i hope everything has gone well and my membership is cancelled and if i wanted to leave feedback.(i heard this voicemail late). On the 23rd of march 2017 i then received another letter from harlands saying that they refer to me from their previous letter and my arreas have doubled to £85.98.... now im getting annoyed as hell! in the same letter it says and i quote word for word 'if you do not contact us by the 6th of april 2017 your balance of £193.92 will be passed on to a debt recovery company who will add their fees to your account. So somehow the charges jumped from £85.98 to £193.92 if i didnt contact them. i tried calling a few times but no answer so again i got advice from other people and they said to just ignore them they cant do anything to you and all these charges are not enforceable by law! Then the letter from CRS came on 25th april 2017 saying that they have been employed by rush fitness as my membership remains in arreas despite previous letter being sent to me and now they have are charging me £263.73. Where do i stand now? Any help is much appreciated and slick132 if your reading this i see you are the genie in these situations! can post pics of letter in a PDF format if needed!
  8. Hi all, Receiving the usual CRS monetary demands after they're claiming that I am in arrears. I have looked for advise as a lurker on this forum before and have sent one letter to them but it's gotten to the point where I would like personal advise on what to say (if anything at all) to Harlands. The second letter I received from them is a bunch of waffle that seems to want to scare me into paying but I am not sure what to reply with - hence me coming here. Some background - I joined Xerise4less (Hull branch) on a 12 month contract in September 2015. I fulfilled the contract and e-mailed Xerise4less requesting cancellation on to two separate occasions: on 29th October 2016, and 12th November. I only received an e-mail back on 15th November telling me that my cancellation was being processed. Worth noting that I didn't attend during the last 6 or so months of the contract. Due to monetary concerns and the fear that I would be charged another £9.99 (one month according to the contract), a fear that I felt was founded to their lackluster response time, I cancelled my direct debit with them a day or two after receiving the e-mail. This triggered the CRS dispute and now they want £207.47. Fast forward to 7th February 2017 and I receive a letter stating the following: -------------------------------------------------------------------------------------------- Letter no.1 from CRS Dear Mr.XXX, We've been employed by Xercise4less as your membership remains in arrears despite previous letters being sent to you (NB - I did not receive a prior letter). As a result of this, our fees totalling £102.50 have been added. Therefore, your account balance now stands at £207.47. We want to reach an amicable resolution with you! (NB - What followed was the usual giving of options for me to pay or continue with my membership) -------------------------------------------------------------------------------------------- Receiving this was quite the shocker so I went online and stumbled upon people experiencing the same issues on this forum. After reading the countless threads and following the advice of mst notably slick132, I sent them the following letter back: -------------------------------------------------------------------------------------------- Letter from me Dear sir or madam, I refer to your letter of 7 February 2017, referencing: CRS Ref No. xxx, xercise4less Ref No:xxx. This is the first letter I have received regarding this matter. For clarification my current address is: xxx I joined on minimum 12 month agreement in September 2015 and paid the full 12 months as well as an additional month. I sent an e-mail requesting that xercise4less cancel my membership on 29 October 2016. I received an e-mail back on 15 November 2016, notifying me that my cancellation would be processed. Because of this late reply and my current financial hardships I cancelled my direct debit mandate soon after to ensure that no further money would be taken. This was also adequate notice of my cancellation of the xercise4less agreement, as per the case of The OFT v Ashbourne Mgt Services Ltd in 2011. However, I now realise I should have given Harlands or the gym a month's notice before cancelling the direct debit. I now offer to pay one final month's fee of £9.99 to end this matter. I will not pay any unlawful admin fees added by Harlands/CRS. Before I pay, I need you to confirm in writing that my payment will be accepted in settlement of all that I owe. My offer is valid for 14 days and, if you make demands for any higher amount, I will pay you nothing. I look forward to your reply. ----------------------------------------------------------------------- After reading the multiple threads I knew I was in for a fight. The second letter I received is the one that caused a bit of concern - my mum is worried about bailiffs although I've assured her that they won't come. This is it (warning long post): ---------------------------------------------------------------------- Letter no. 2 from CRS (8th March) We wish to advise that cancelling your direct debit was not adequate notice of your intention to cancel. The terms of your agreement specifically state that you must give notice in writing. We have received similar claims before. You are mistaken with regards to Mr. Justice Kitchin's ruling. Such a statement does not appear anywhere in Mr. Justice Kitchin's judgement. A legal precedent can only be drawn from a ruling but the statement you rely upon appears in the Penal Notice issued specifically to Ashbourne Management Services Limited, advising them what they must and must not do. This only applies to Ashbourne Management Services Limited because contracts 1-13 examined in this case were found to be unfair and thus unenforceable. Xercise4less contracts have not been supplied by Ashbourne Management Services Limited and have never been deemed unfair by a judge. There is, therefore, no reason to believe that the terms regarding how a member may terminate their agreement will not be enforceable in other instances. We are unable to accept your offer of £9.99 as sufficient to settle this debt because more than one month has passed without payment. As you did not complete the cancellation procedure, the club were bound by the contract to hold your membership open for you. A service has been provided during this time, at cost to the club, whether you attended or not. With regards to your comments that our charges are penalties, it is our position that all charges applied to this balance are to over actual and necessary costs and thus are not penalties. Lord Dunedin, when considering whether charges stipulated at the outset of the agreement were penalties, set out in Dunlop Pneumatic Tyre Co Ltd v Motor Co Ltd (1914) that: 'It is no obstacle to the sum stipulated being a genuine pre-estimate of damage, that the consequences of the breach are such as to make precise pre-estimation almost an impossibility. On the contrary, that is just the situation when it is probable that pre-estimated damage was the true bargain between the parties (Clydebank Case, Lord Haisbury; Webster v. Bosanquet, Lord Mersey).' The above applies to the charges of £25.00 applied by Harlands and also in regards to our own collection fees of £66.50 both of which are pre-estimates of the average costs incurred from defaulted agreements, but which vary from case to case and cannot be precisely calculated in advance. We believe, therefore, that these charges do not constitute a penalty and are this fully enforceable. For the above reasons it must remain our position that the balance of £207.47 is correct and due. We may be able to negotiate on this sum, but would require you to contact one of our telephone negotiators on 01444 449 165 in order to do so. Payment can be made (NB - Address, no. etc. they give with intent for me to pay) Please ensure a payment or response is received within the next 7 days, so we can avoid further action being taken. Yours sincerely, David Castle -------------------------------------------------------------- I guess my request is - Was my first letter sufficient? What should I respond with? Should I respond? Help is greatly appreciated Thank your for your time!
  9. Hello, I have the following issue and was wondering if someone could help me figure out what I should do: CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans. They only text, never call and I never received any letters via post, I think they don't know my address as I have moved. They are threatening with court actions and CCJs. And told me that they have sent me a letter but I never received anything apart from regular texts. Is there anything they can really do, can they really take me to court if I have not received any official letters via post? I was thinking of sending them a letter and asking to do everything only in writing but at the same time if they do not know my address and my email address - I do not want to give them that information. And sending a letter without a return address doesn't seem to make sense... Not sure what to do in this case. Are these texts enough to get me a CCJ? should I reply?
  10. Hey Guys, It hasn't taken me long on this site to realise that you have dealt with a lot of situations regarding Xercise4Less and Harlands/CRS so, whilst that is comforting, I am still rather nervous as they continue to demand extortionate amounts! I'll keep it as brief as possible: Currently I am working abroad in Valencia, therefore I wished to cancel my Xercise4Less membership (I had membership for over 12 months.) I used their website for cancellation on the 19th December and received an automated email, saying I would receive official confirmation within 30 days. On the 9th January, this email arrived, mentioning that my account had now been cancelled. It further mentions that my 30 day notice started from the day of initial cancellation (19th December), and a direct debit payment went out on that very day (9.99 monthly rate). Therefore, when I received the second (and more official) cancellation email, I decided to cancel my direct debit, as I believed that the December 19th payment would be my notice payment. This however was not the case, and I received a letter from CRS to my parents' home address in the UK, demanding 207.47! am aware that it is absolutely pointless contacting them via phone, so I am only emailing them. I responded to their letter, mentioning how I received an official confirmation letter. However, yesterday they replied with this: On 18 November 2015 you entered into a Membership Agreement with Xercise 4 Less. You agreed to pay £9.99 a month and give a months written notice when you wished to cancel. As your payments were not honoured and you failed to rectify your breach of Agreement charges were applied to your account and your file was referred to ourselves. Xercise 4 Less have not received the relevant notice from you to cancel your Membership. If notice had been given correctly in December 2016, as per your correspondence, you would have still been liable to pay your January 2017 instalment as your notice period, this was not received. What I think has happened, is that I fell short of the 30 day notice by only a number of days, as I cancelled my direct debit a few days after I received the email of cancellation on the 9th January. I am willing to admit to them that I made this mistake and that I will pay 9.99, but the 207.47 payment is outrageous. ny help you guys can give would be hugely appreciated, and if I have missed anything out then let me know! Thanks!
  11. Hi All, I am new to CAG, and I just lost the previous message I wrote So starting again, I read previous post about Xercise 4 less and their customer policy. Just like to say, what you are doing is amazing. Getting to my story: We (me and my boyfriend) signed for Xercise 4 less membership in August 2015, before they opened on 28th August 2015. We knew it was 12 month contract, so we kept it for a year, even we didn't use it much. But we wanted to cancel as soon as contract came to the end. We went to the gym on beginning of September to cancel our membership, receptionist mentioned something about Website. we get on the website, I am really sorry I looked everywhere for cancelation link , but I couldn't find it. My boyfriend went to the gym to ask they referred him to the Website. I logged on my profile again with same effect. And the story goes on for a while. Finally we've gave up, gone to the bank to cancel our DD. And everything was fine till yesterday, we received two debt collection letters from CRS, with no previous communication. (we changed the address, so that may be the reason). Each letter asking for payment of over £200, for both of us is over £400. Obviously we called CRS start saying our story, guy just stopped me in the middle said I need to pay minimum of £76 per person, and I have "let say a month" to pay after which they will take a court action against me. We went to the gym requested to talk with the manager, I thing everyone knows what happened there :/ We are not willing to pay as we don't believe we owe them anything. As far as I got the point from previous posts We should ignore any form of communication and write them a letter informing we don't accept any charges as we find them unlawful. I would appreciate any help or advise, as after reading the forum I expect to be harassed by the company for next few years and I would rather not. Many thanks Kasia
  12. Hello, I am really hoping you can help. March 2016 I joined Lifestyle Fitness gym in my home town. My boyfriend got a job as a personal trainer there and we split in October 2016 and November 2016 I cancelled my DD. I sent via their online web form that I am cancelling and my reasons were due to a breakdown of an abusive relationship I no longer feel comfortable going into my gym. I didn't receive any correspondence back. Now, every few weeks I'm receiving threatening letters from CRS which seem to be getting increasingly more threatening. I have tried to call and explain why I've left which they were initially quite helpful and said they're going to contact Harlands to see what they could do. As of half an hour ago I received a phone call from them. I answered and the man on the phone couldn't care less.. . Just kept saying my reasons for leaving are not within the terms and conditions so therefore pay up. The call got quite heated, he wasn't professional at all! I got upset and told him to do one (not so politely) and hung up. I'm not looking for sympathy from them. Unfortunately, my reason for leaving (to me at least) feels like an exceptional circumstance. I'm reading a lot that states don't pay them anything as they're not legitimate. Is anyone able to offer some advice? What can I do to get them to stop and leave me alone!? It's at the point I'm scared to check the post to see more red letters. Thanks.
  13. Hi, Ill try to keep it brief. I was a member of xercise for less Milton Keynes on a rolling contract paying £19.99 a month, never failed a payment but realised i wasn't using it, i called them up to ask what the cancellation policy was and they said cancel your DD, simple as that! I later got a letter from CRS saying i had not paid and there was a admin charges on there, i discovered i had to do it online which i immediately did, as i had no DD in place i called the gym explained what happened and that i wanted to pay my notice period. The girl their that answered the phone said no don't worry about it as you were given the wrong information by us and even said this was the 3rd time it had happened this week that she knew about so she would pass on all the information to the manager and would write to head office and get the debt wiped out. I thought nothing of it until 4 weeks later i got a letter to say my fees had gone up. I called CRS who were rather rude and aggressive and said there would be court action if i did not pay even though i explained the gym were contacting the head office to get it wiped off. I then called the gym again and got Sarah, again i explained what happened and she informed me that the manager had since left and has no way of tracing my case but insisted after taking everything down that she would contact the head office and ask them to recall the debt and thanked me for being so understanding, this was in January! Last month i got yet another letter from CRS my debt had risen to £201 I must of got about 4 calls, voicemail's and texts a day from them i contacted them and they agreed to put the case on hold for 30 days i contacted the gym and i spoke to Sarah and told her after sending an email to customer services they replied saying i had to pay, i argued the case again with Sarah who then became rude and said there is nothing further she could do i had to go by that email. I asked her if she could send me a copy of the email she sent to head office so i could argue the case and she said she would do it when she had time. I have since emailed her 2-3 times requesting this email and she is not replying or giving me the information. I have now been sent a final 10 day letter from CRS saying they would pass my case to Zinc if not paid I contacted them and they have agreed to put it on hold for a further 30 days. I have been emailing customer services and they are flat out refusing to wipe the debt out. GIve said the them and the gym i have no issue to pay the cancellation fee but this has been going on 5 months and i feel the unlawful fees being added on were not my fault as the gym was acting on my behalf and advising me all along. Im so annoyed if they had just accepted the cancellation fee i would not be in this position!
  14. Hi All, Like many others on this forum, I've been having a lot of trouble with Harlands/CRS/X4L and wish for it to stop. I've been putting off posting here for a while and simply been following the advice given to everyone else by ignoring the threats from CRS and Harlands and replying in writing. I signed up for a 12-month contract on the 3rd November 2015, and after 12 months decided to cancel my direct debit on the 22nd November 2016 after fulfilling my 12-month obligation. Initially I ignored the letters from Harlands demanding payment, however after they threatened to pass my 'debt' of £171 onto CRS, I decided to reply with a letter to them explaining that I'd fulfilled my 12-month obligation but offered to pay the £9.99 to cover the cancellation period which I had missed, and to stop further demands otherwise they'd be reported to TS etc, etc. In the meantime, my 'debt' was passed onto CRS, and Harlands replied with a letter simply stating that they could not cancel the agreement as they were simply the direct debit company acting on their behalf and to get in touch with X4L directly. So I did just that, basically sending the same letter to X4L head offices, offering to pay the £9.99 but nothing more, and again to stop CRS/Harlands contacting my otherwise I'd report them to TS and the CMA. However, on Tuesday I received this response via email: I'm a bit confused by all of this as they just seem to be passing the buck onto one another, and I'm a bit confused as to what steps I should take next, as CRS have since begun Texting me and sending me Emails demanding I ring them. Anything I should say to X4L in response to this? Any advice would be GREATLY appreciated. Many thanks
  15. Took out a £300 loan with SwiftSterling and they have handed it to CRS for collection, they are telling me they are legally entitled to ask for 50% of the outstanding balance which is now £637. I have offered £70 per month but they say I must pay £212 minimum. My offer is a good one I think. Any help, much appreciated, thank you.
  16. Hi there, I was first contacted by The Zinc Group on 24/02/2017 asking me for £171.47 for their client 'CRS on behalf of Xercise 4 Less'. I was a member of the Nottingham branch of this gym during my final year of university, and I paid the minimum of 11 monthly instalments of £9.99 between 26/10/16 and 25/08/2016. After this point, I had already moved away from nottingham I just cancelled my direct debit and assumed that would be the end of it. I now realise I made a mistake and should have notified the gym that I wanted to cancel. Since the first email from Zinc, I have received two others, the first offering a reduced one-off payment of £128.60, and then another asking for the full amount around a week later. I have not yet responded to any of the emails. Having read numerous other threads on this topic I realise I should not pay the full amount, although I do accept that I made a mistake so would be willing to pay something, just not the extortionate fee that they are demanding. Do you have any advice as to what (if any) move I should make? Any help would be greatly appreciated. N.B. The address they have for me is my old uni address, so I think the only correct information they have on me is my email address.
  17. Hi all First time poster but like a lot of people on here I have started to receive emails/ phone calls from CRS with regards to my Xercise4less membership cancelling- sorry in advance for the long post, wanted to give as much background as possible! Any help on how to approach this situation would be welcome!!! I moved out the area of my X4L after finishing uni , and admittedly didn't cancel the membership for a few months, I was switching from a graduate account to a different bank account I was looking through my DD and saw that £9.99 had still going out of my account to Harlands. i sent a cancellation request on 28.11.16 giving my most up to date address, and citing that my reason for cancelling the membership was moving out of the area. I had no correspondence about this membership, apart from a confirmation email from the gym about my cancellation, until my parents received a letter at my home address on the 8th February saying " Your membership remains in arrears despite previous letters being sent to you, and as a result our fees totally £102.50 have been added. Therefore your account balance now stands at £207.47" Obviously alarmed at this, I rung the number on the letter and said that I have confirmation of my cancellation of my membership, and was asked to forward this over. I did so, and heard nothing back until February 16th when I received an email from CRS. In this email they said that they had thought I had not given notice, but now that they have proof that I did they had knocked off £9.99 from my account and that I now only owed £197... They said I should have made a final payment on 25th December, but that payment had not been made as my account was in arrears. Now following this, I looked in to the bank account ( one that I no longer use but was paying in to monthly to clear my overdraft) and I can see that at the time the DD was refused. I get that I am at fault here, but still not happy with the additional £197 fees or the lack of correspondence before the initial letter. If I had received anything before this I would have sorted straight away, especially if all I owed was two months of membership fees! I replied explaining that firstly this was the first correspondence I had received from CRS or Harlands about my account and also that I did not understand where these additional fees have come from. Since then I have received a breakdown of fees on my account that included x2 membership fees, x3 admin fees, recovery fees and trace fees! All in line with various clauses in my 'agreement' ( Assuming this is the gym contract) As well as this they told me they sent letters to my previous address in Newcastle Under Lyme ( even though when I cancelled my membership I provided my most up to date address) I have since replied to the email asking for a copy of the contract where these clauses have come from, and have also forwarded the cancellation confirmation from the gym with my reasons for leaving and my updated address on there- waiting for a reply- will update when this comes through. Just wondering what I should do for the next step. I don't want my credit score to be affected, and don't want any action taken against me. I am now getting daily phone calls or texts from CRS. I'll happy pay the x2 months membership fee I am owed, but not happy to pay for the remaining fees- especially the 'trace' fee when I have provided the correct address to contact me, but not sure what the legal implications would be Any help really appreciated here!
  18. Good evening one and all. I have, over the past several weeks received several emails from these companies chasing a debt. As I have never heard of these companies, nor received any letters, etc. from the original creditor I have told them that I will not deal with them as I have never signed anything with them, no contract, nothing, indeed until the emails started arriving I had never even heard of them. The Zinc Group emails are pretty straight forward, however the CRS ones come with an envelope in the email to click, like opening an attachment. I do not open attachments from anyone I do not know. Can any of you give me chapter and verse on where I stand with these companies legally as I will not provide personal details to anyone I do not know. I appreciate that these two companies have been mentioned in the Health and Fitness forum but that doesn't really cover my issue. On another note, when a company rings me up and asks me to confirm details I tell them to tell me what they have, and if correct I will confirm. This usually results in "data protection" getting mentioned by the call centre operative, and an ending of the call. Where do I, indeed any of us, stand in such a situation? Do we have to provide details and what can happen if we refuse? Again chapter and verse if you have it please. Apologies for the long post. Best regards The Teacher.
  19. Hi, I initially attempted to cancel my membership with Xercise4less in August 2016, however it appears the email was never sent correctly which I had not been aware of at the time. I cancelled my direct debit after the last one went out and then started to receive text messages about account in default. I then went online and attempted to cancel again, this time in October which went through successfully. The first time I called Xercise4less initially about the debt and they told me I owed them £29.99, for September's fee and an admin charge. I refused to pay because I had thought the cancellation email had been sent. I called back in November after I had officially cancelled the account and then they told me it was costing around £50+ now. The person I spoke to told me the amount had increased to cover November's membership fee which I couldn't understand as I definitely received confirmation of cancellation in October. No one could explain to me why they were trying to charge me for November as well so I just left it. I got a text from CRS debt, I contacted the gym about it and was told this time that I was being charged now for December too. They said that because the direct debit was cancelled before I cancelled with the gym they will continue to charge me membership fees and any admin fees for uncollected direct debit until the debt is paid, even though they received and accepted my cancellation in October. The person I spoke to claims this was in the T&Cs, I have checked them and cannot find anything which states that. I said I would pay for September and October, and even their admin fees but I would not pay anything more. At this time they said the debt had now been passed over and I would have to speak to CRS, which I have not done. The amount now stands around £90+. They do not have my correct address and so I have no idea if they sent me any letters regarding this. I offered to pay an amount to cover the error in incorrectly cancelling from the gym but they told me I now have to speak to CRS about it. I don't know where to go from here.
  20. I am looking for some advice. I received a txt today from CRS (Credit Resource Services) stating "We are now able to offer you an amazing 50% settlement. Please call CRS on 01444 449 165 between 08:00 and 6pm in order to agree with us. This confused me as i wasn't aware i owed them any money so i called up to see what this was about. According to them it was a Gym membership from Nov 2012. They claim that i had spoken to them in March 2013 and agreed to provide proof of address as i had moved away from the area in Feb 2013 around 80 miles away. Now hears were i got confused, I recall speaking to the Zinc Group about this query on 04/04/13 and they agreed that as long as the proof was sent to them that the account would be closed so i got a letter of my local council to say when i moved out of the council house which was 23/02/13. From which i have never heard any reply about this. And in speaking to the Zinc Group today, as far as they are aware the account is closed. CRS are adamant that there is over £200 on the account outstanding and they can reduce this to £165. I told them that as far as i am aware the account was closed and that i wasn't going to pay them a penny. They said they would put the account on hold for a week and the call me back? why i don't know. I did when i decided to cancel the membership speak to staff in the Gym and they just said its fine. As i moved and was at the time suffering from Severe Depression and Anxiety and this info was relayed onto the Zinc Group as all the harassment was making things worse. At the time of signing up i was unaware that it wouldn't be with the Gym but with some other company. Any help or advice on what to do next would be Greatly appreciated.
  21. Hi I received a text today telling me to call a number which seemed suspicious, I then googled the number and it turned out to be CRS who I had never heard of - saw they worked with Harlands gym. Back in August I signed up to the gym in my hometown on a month by month contract of 24.99. It was set up via direct debit. Within two weeks of joining the gym I tore the tendons in my shoulder (whilst at work). Following a doctors appointment for my painful shoulder I was advised to not go to the gym anymore. As such I cancelled the direct debit on my account. I was then charged 49.98 at the start of September but due to insufficient funds, I had sent money from one account to another thinking it was the one paying for the gym. Foolish I know but mistakes happen. I then moved to uni in September - I saw the money go out and back into my account. I assumed this was because I had cancelled the direct debit and it was action on their behalf. I hadn't been home to my family home where all my post is to see that I have apparently been sent 3 letters about my outstanding debt that I didn't know about. On calling CRS today I was met with a rather rude South African guy who went on to have a go at me and treat me like a complete idiot. When I asked why there was no attempt to email or call me prior to today he went on a rant asking why the gym should have to do such a thing. During the phone call he told me I owe £161 to harlands and that my case had been passed over to them in order to collect the debt. I asked why it had raised to such a high fee and he wasn't really clear in his answer despite me asking to clarify. He just said because the payment failed and was late. He then said that if I want to pay off the debt, they would (Very kindly) wipe away £70 worth of the debt. I would then owe 95.48. Rough figures I was walking to a meeting with my bank ironically. The guy was extermely unproffesional, in his explanation on why it was cheaper to pay the £90 he said "cash is king". I am getting all post brought to me this Saturday so I will check what they have sent me. I just wanted to check surely they can't charge me that much extra for unknowingly missing a payment??? I asked if I could call back later and my account has been put on hold until 28th of November. Any help would be most appreciated, I know this is long winded but I wanted to cover all corners I could.
  22. Hi guys, loving this site for information. Apologies if I'm flogging a dead horse here as I've seen some threads about CRS and people being chased for "unpaid" gym fees. I'm just looking for any information how people have got on. Long story short, I was contacted by CRS approx two years ago regarding a default £20 payment from my old gym surprise surprise excercise4less. My apparent debt was now £106 after CRS fees had been added on. I lettered them back saying in my opinion I had submitting my last payment on time and cancelled in writing. We sent a couple of letters back and forth but as I wouldn't recognise the debt, they eventually forwarded it on to a recovery agency who I refused to engage with. They sent one letter telling me they would reduce cost to £76. Over a year has passed (in this time I threw out all kept correspondence) now CRS have emailed me twice , the later threatening me by contacting a named solicitor. Has anyone got to to this stage? And what's next? Finally I like a good fight as much as they next guy and I'll gladly have my day in court Out of interest tho if I lost how much can they legally claim from me? Am I entitled to pay thousands in legal fee's? Any help would be much appreciated Thanks
  23. Hey! , Just come across this forum in google and seen a bulk of posts about CRS who i have received a email from and just wanted to post my my situation and any advice on this would be much appreciated Its Fairly brief i have had the below email come through to my Spam account - this is the first and only time i have had any correspondence from them Hello XXXXXXX Following our recent e-mail, we note that you still have an outstanding balance £204.42. We want to help you resolve this as soon as possible. We can set up a payment plan or look at a settlement figure to resolve this. Please call us today on 01444 449165 between 08:30am and 6:00pm. Your reference number is --------. If you would prefer us to call you, please confirm a suitable number to reach you on. We regret that if we do not hear from you within the next 7 days, your account will be transferred to our Solicitors Spratt Endicott for further action. Many thanks, Rob Avery CRS Collections Manager Credit Resolution Services and CRS are trading styles of Harlands Services Ltd. Registered Office: : 2nd Floor, Rockwood House, 9 - 17 Perrymount Road, Haywards Heath RH16 3TW. Company Registration No. 2982925. VAT Registration No. 799 7113 70 It doesn't even state that the debt is for or who with what so ever I've had no letter and no calls , plus this came through my spam account i can only assume it has something to do with a X4L membership i have had two years ago , ,,, i also have a current X4L membership still running at the moment i still use that gym . if i find out this is to do with that i will be cancelling this also Im in the middle of a mortgage approval and fear the implications of this so feel the need to speak to them but this seems very vague ....? can anybody give me a insight into this Thanks
  24. Hi, My girlfriend has just started receiving phone calls/texts and letters from CRS about her owing money for GYM membership. She took out a 12 month gym contract, but at the same time was told that it was like TheGymGroup in which you could cancel at any time. She took this Gym contract out in May 16. She then decided to cancel her gym membership online using the correct procedure and after the next direct debit payment was taken from the bank, she cancelled her direct debit on 15th Aug. 16. Any advice please, I have read other threads and we have been ignoring the texts/phonecalls/letters. Thanks Jake
  25. Hello all, can someone help please. My daughter joined Xercise 4 less Nottingham in October 2015 for a 12 months contract. Before summer holiday she phoned the gym to freeze her membership as she was leaving UK to return to Jersey for summer holiday. She was asked to turn up at the gym to prove this and she did (with her flight tickets). In June, in Jersey my daughter joined another gym and injured herself, further examination her injury has happened before this membership (presumably during her time with Xersie 4 less). The injury sustained had made her unable to do any exercise for a good 2 years on her upper body until she is fully recovered. My daughter then wrote to Xersice 4 less head office to terminate her membership explaining the special circumstances and cancelled the last remaining 3 months direct debit at the bank. In November 2016 a letter came in the post at my address (in Jersey, CI), stating that Harlands on behalf of the gym had tried several times to contact my daughter at her Nottingham address. Also in the letter it said that now Harland had to pass this on to a Credit Resolution Service (hereafter ”CRS”), Harland’s sister company to collect and some additional fees have been added on this. a £30 gym fees now have increased to a whooping £182. Please note the gym was aware that she was not in UK therefore won’t be able to respond to any letter. Please also that the house’s Landlord had confirmed that no letters were received other than bank statements during summer holidays and after. After receiving this letter, I feel the need to take over the case as my daughter is currently focusing on her exams. I contacted CRS upon speaking to them to query this I was told that they are willing to reduce the fees by £50 giving the outstanding amount of £132. I further asked the breakdown for the full fees and these are what they have given me: a) £29.97 membership fees (3x £9.99) in line with clause 5 of her's agreement b) £50.00 administration fees (2 x £25.00) in line with clause 6 of her's agreement c) £66.50 recovery fee in line with clause 8 of her's agreement d) £36.00 trace fee in line with clause 8 of her's agreement I am not sure what to do please can someone help my daughter. Thanks
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