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  1. I signed up to David Llyods after speaking to a sales advisor on the phone who told me the contract was 3 months long and after then I could cancel anytime with a 1 months notice. The next day I rushed into the gym for a class I signed up to, signed the contract he prepared for me which was handed to me by the receptionist. After about 5 months I called to cancel my contract and was told I am in a 12 month contract, I argued this and said I was told on the phone it was 3 months and then I could cancel with 1 months notice at anytime. Clearly I didn't read the contract they gave me
  2. Ok heres the deal. I signed up for a 3 month virgin active membership back around july, after one months use I wanted to cancel, they wouldnt agree and the idiot manager would not even agree to simply talk with me. I didn't use the gym in the last two months but they don't care and the contract doesn't of course. Arc debt collection has been dealing with me, I owed around £170 or something in total ive already paid £90 worth, maybe that was the wrong decision but I do not want to pay them the remainder. I've set loads of dates to pay and many I have not pai
  3. 1 - Have we ever seen a case go to court with them? 2 - Am I right in thinking they only use Major Law? 3 - Safe to ignore Threatograms right?
  4. Back in January 2017 I switched banks. Everything seemed to transfer over with no issue until July 2017 when I received a letter from Kwik Fit Insurance Services saying I owed them £107 for a home contents insurance policy. On checking my direct debit list I discovered that no payment had been taken for the direct debit. I had two direct debits with Kwik Fit insurance at the time, one for car insurance the other for contents. I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account. I sent a recorded delivery
  5. Good Afternoon I've seen a lot of threads regarding unfair gym cancellations & would like to explain my problem with David Lloyd Gyms for some advice and reassurance. I joined a Virgin Gym in November 2016 it was really on the basis that I'm swimming the English Channel in a team relay & the rest of my team were already members at this Virgin Gym & the swim facilities were excellent & it meant we could train together. I have two teenage sons & they joined with me paying at £86 per month for the 3 of us. Although the facilities were great - I found it d
  6. Hi All, Apologies for creating another thread about these two companies, but I just wanted to clarify my position as it's a little different from the other threads that I have browsed over the past couple of days. I'll try to be as concise as possible. • Joined Bannatyne's in March 2014 on a 12 month Contract • Cancelled contract after a few months simply by cancelling the DD, something I was told was possible by gym staff (I have no evidence to support this though). • I get a few emails between 2014 and 2015, resulting in an 'Invoice' from Bannatynes for £180, which I ignored a
  7. https://www.consumeractiongroup.co.uk/forum/showthread.php?485538-ARC-Major-Law-harassment-over-Bannatynes-membership-HELP!!&p=5105011#post510501 Hi Slick132 I am new to the forum, I have read a few other post and you seem to be an expert in these cases, wonder if you could share some knowledge. I have been following this forum over the past 2 days as I am in a similar situation to mrmotash but the only difference is that mine was a 1 month rolling contract and I only canceled the DD, however I do recall ringing the head office to cancel (roughly 2 years ago) but wa
  8. Hi, back in June 2015 I signed up with Bannatyne on what I now know to be a minimum 12 month contract. What happened was, I was unable to find prices for memberships online, I went to my local branch and hastily agreed to the contract at £52 per month. Later that same day, I decided that the price was too steep for what the gym was offering. I emailed them asking to cancel my membership but was told this was not possible as per the terms of the contract. That my only option was to pay up (they offered me a 20% discount as a gesture of goodwill) or transfer the membership
  9. Morning CAG members, Wonder if you could give some advice please. I split from my wife last year and took all the debt in my name with me (which was roughly half) - unfortunately I wasn't able to keep up on any repayments as I'm not on a massive salary and now have to rent privately and pay all bills from one wage now. I explained everything to my creditors and so far so good. However, I received a letter from Nationwide in regards my loan which stated; "We recently identified an issue with some of our arrears statement" goes on to apologise for their error and says "in light of
  10. I have a default with QQ dated 16/07/2012 it should fall off my file July 2018. Will it stay on my file after this date if there is still a balance on it or will it be removed regardless. Can they add another default at anytime?
  11. Hi, I have a similar issue myself regarding Bannatynes Gym and ARC Europe. I signed up for a 12 month contract to the gym in October 2015, after paying for 9 months I was relocated through work 310 miles away and my new nearest gym would be over an hours drive each way. I emailed Bannatynes to give notice that I would be cancelling my 12 month contract because I had been relocated and my financial situation had changed meaning that I could no longer access/afford to go to the gym. I received an email back in September 2016 of last year offering a 20% discount but that I sti
  12. Hi My problem is nowhere near as bad as some of the horror stories on here, but just though I would ask before I do anything! I joined a Bannatyne gym in February, I signed up online as I had previously had a 12 month contract with them and knew the gyms were decent. I only intended to go for a month I signed up for the "1 month contract" which is £10 extra compared to the 12 month contract. I went for a month then cancelled my direct debit at the end of Feb before any more payments came out and thought that was the end of it. I had previously been a member of a
  13. Hi there, Thanks for taking the time to read this post. Long story short, brain surgery in Feb 2015. Got the all clear April 2016. 100% rehabilitation can take 3>5 years. My doctors advice re exercise keep trying every few months. Had a good relationship with the gym as had been a member for years prior to being ill. 2 x failed attempts (on a month by month contract) Then In July 2016 (2 months after all clear) went in to see about joining again. They had a great joining offer for 12 months contract. I talked at great length with the young
  14. Hi all, Wondered if anyone could help, Around half a year - year ago I signed up to virgin active on a 1 year contract. Long story short, Life caught up with me and I couldn't get there at all, I think I made the monumental mistake of cancelling the DD directly with my bank and not telling the gym. I understand this may have been the wrong way to handle the situation but I had a lot going on at the time (personal issues with my health). Arc Europe are now contacting me and are threatening court action etc and I am unsure the right course of action to take now... I am not financial
  15. Hi people from the forum, I am in a situation where I would appreciate assistance. I am not a native speaker so apologies in advance for any mistake that might be in there! I got into a one-year contract with a gym in July, consisting of monthly payments of 60 pounds; in October I was accepted in a masters degree (which I had not applied for at the time I registered at the gym) in a foreign country. I enrolled and left the UK, but I left my bank account open and there was some money on it, I did not hear from the gym until January, when it t
  16. Advice needed - I had been paying an old debt (around £2000) which originated from an overdraft at Nationwide through Fredricksons at £30 per month, and it got down to around £1255. Then for some unknown reason Nationwide moved the debt to ARC (Europe). Just had my first contact with them on the phone, and asked them if they would be interested in a low settlement offer instead of starting up the low payments again (I have the money as in good shape now) I suggested 10% which they laughed at, but they came back with a 50% settlement offer which they are going to put in writing. An
  17. August last year i was struggling for money, stupidly i applied for a payday loan from QQ at the time of taking this out my credit rating was appalling. i made the first payment but after that found myself struggling to continue making the payments due to several factors. the loan was for about £400 but since then it has gone up to £700+ . i emailed them a number of times asking to consider writing of the debt and gave them the reasons why including low income, loss of benefits / job, stress of debts, bad credit score etc. I also pointed out that the constant phone calls a
  18. I took out a payday loan with quickquid for around £200, couldn't pay back as I lost my job and fast forward to now, I owe ARC Europe £333.80, what is the best way to deal with this? Thanks.
  19. Hi I would really appreciate some help and advice. In early March this year I enquiried via the website about joining Virgin active gym for me and my husband. I work for a large bank so could take advantage of corporate rates if I was able to prove my employment via bank slip etc. someone called me and gave me the price and asked me if I would like to go ahead, I said I would and gave him my bank details etc he then said I would have to go into my local gym to complete the paperwork etc. I then got some calls from the local gym pressurising me t
  20. Hi, I am a newbie to this forum so please excuse any ignorance! So, I was under a 2 year contract with DL where I was paying a direct debit monthly. After 21 months of being a member, I decided to cancel my direct debit as I was relocating to London for a new job role. I emailed the club to let them know in advance, and then shortly cancelled. I cancelled in Sep 15 (my contract was due to expire Dec 15). Unfortuantely, I didnt provide them with "proof of relocation" untill now - after recieving letters from ARC and consequently Major Law Solicitors, telling me I owed the final
  21. Hi there everyone I would really appreciate a response as I a unsure what action to take next. I paid an upfront yearly fee to DL last July and verbally agreed that it was for just a year. I was away on holiday during the end of June and began getting phone-calls. When I arrived home I had a letter saying I owed 87.50. I phoned DL and explained this was incorrect as it had been agreed I was only joining for a year. They inisisted I pay and I disputed. I ended in some email ping pong - during the last one I requested a copy of my personal contract
  22. Hi, I signed up to LA Fitness in December 2014 under a 12 month contract, but was told this could be cancelled during the registration process. I used the gym a handful of times. I haven't been since February 2015. I paid my DD on time up until around October/November when I cancelled the DD, I didn't send a letter or anything to the gym. DW Fitness also took over this gym at some point last year which I was unaware of. I've now received an email saying they will involve ARC Europe to collect the unpaid payments. I understand I may be in the wrong here as it was
  23. Hi All, I need some advice please. I had several payday loans from 2012 -December 2015, but this query relates solely to P2P/ARC I had a QQ loan, which I defaulted on back in 2012, reached a payment arrangement and settled in full around April 2013. Had a major issue and took out a P2P loan in/around November 2013 and they advanced £1050.00. I made 2-3 payments, but then defaulted. Balance outstanding is now £910.00, they have passed the debt to ARC Europe, who call daily from a 1000 different mobiles but to date I have ignored all calls. P2P advised the debt was passed on
  24. Hi all, I've been a long time reader of this forum and first time poster. I have a mountain of debts, mainly payday loan companies and I'm looking for some advice. I currently owe: Wonga - £282.16 Quickquid - £402 (referred to ARC DCA April 2015) Pounds to Pocket - £701.09 247 Moneybox - £162.60 Sunny - £640 (3 serparate loans) Payday Express - £132.80 118118 Money - £1361.85 (£291 arrears) Different Money - £294 Vodafone - £559 BT - £130 (passed to DCA, not sold May 2015) This is all of my current debts and I am considering a DMP with StepChange. I am
  25. Hi, I am facing increasingly aggressive demands from ARC Europe for payment of £320 (now threating to take me to Northampton Court with additonal fees) for a debt with LA fitness. Despite repeated phone calls to LA Fitness stating that I do not owe them money, and calls to ARC Europe saying the same, no one is listening to me and I am now have various threats stating that the amount I owe will be stepped up should I delay any longer. My monthly payment was only £50 so am not quite sure how they've arrived at such a high figure. I signed up for a 12 month gym contract with LA fitness
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