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Found 3 results

  1. Hello Need some advice. I joined Xercise4less in June 2015 contract was for 12 months then was a rolling contract. I decided to change gyms and cancelled my membership online on the 26/6/17. I received an email once I did this stating 'sorry your leaving' etc I understood I needed to make one more direct debit payment which left my account on the 30th June. After this I then cancelled my direct debit. I have now received a text from Harlands saying to call CRS on X number. What should I do? I thought as I cancelled online, they confirmed via email and took my last payment that would be the end of it. Any help appreciated.
  2. Morning all really need help dealing a debt collection company. My husband signed me up to a gym without my knowledge. Payments where not made and suddenly i have this debt collection company after me. I have emailed them back demanding a signed credit agreement, which they can not provide. I have told them i do not accept the debt because i did not give permission for the gym membership to be taken out in my name. I have tried emailing them and dealing with it but they wont listen. Really need some help on this This was the last email from them: Further to your letter dated 26th August 2016, as previously advised there is clear legal precedent for a legally binding contract to exist without a physical signature. Your attendance of the club (or lack thereof) is entirely irrelevant, as the membership exists whether you attend or not and the membership is the service for which payments are due, and you could attend at any time if you so wished. Similarly payment is required for subscription television services even when you don't watch, and payments remain due for a mobile phone contract when you make no calls or send any messages, etc. because in both instances the services is still being provided (programs are still broadcast and the mobile network still exists) and you could access these services at any time if you wished. Your gym membership is no different. As advised the email of confirmation was sent to (this email address) on 20th January 2016. Whether you have seen that email or not it was sent and as such you have been supplied with the information required by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 in a durable form. This email was sent from email . Snap DDA is a trading style of Harlands Services Ltd and so we can see clearly that this email was sent. With regards to your query "how has exercise less allowed a credit and contract agreement to be taken out in [your] name without [your] permission or knowledge or signature." We advise simply that they have not for the following two reasons. Initially, this debt relates to an agreement that we are confident to be legally binding but at no point has any party claimed it to be a Credit Agreement. To be clear there is no provision of credit, no report has been made to any credit reference agency and neither Xercise 4 Less nor Harlands Services Ltd are regulated by the Financial Conduct Authority. Secondly, our client maintains that this agreement has been created at your request and thus was with your knowledge and consent. We would be interested to know your thoughts on where you suppose our client obtained your name, date of birth, postal address, email address and telephone number if you had not willingly supplied them to our client? We acknowledge your dispute, but since you have presented no new information to us, and since we have already responded to these points, we do not recognise that dispute as valid. Our position remains as previously advised. If you are not willing to set up a payment plan with us, we have no alternative but to proceed with further action against you. We will hold this for a further 7 days. If you advise us again that you do not intend to pay, we will continue our collection procedure, but will not continue to enter into further correspondence as our decision has been made. Payment can be made by Credit/Debit card by calling us on 01444 449165. Alternatively, cheque/postal orders should be made payable to Credit Resolution Services and sent to CRS, 2nd Floor, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW. A payment plan can also be set up if you are unable to settle in full, although we do charge a little extra for this. If you are experiencing financial difficulty, there are organisations who offer free debt advice and assistance such as Step Change (0800 1381111), National Debtline (0808 8084000) and your local Citizen Advice Bureau. Please ensure a payment or response is received within the next 7 days, so we can avoid further action being taken. Yours sincerely,
  3. Hello I used to live in the midlands (now in york) and took out a gym membership back in April 2012 with the windmill village and golf course. I fell into a long term illness (just got over it) after being with the gym for about 3 months. I ended up having to leave my job and the last thing on my mind was the gym so I failed to pay the membership. After another month or so I got a letter from the infamous CRS demanding I paid the £430.56 in membership fees I still owed but because I couldn't pay in time I rang them and told them I could only afford to pay £10 a month. They agreed but then sent a letter out saying I owed the previous amount as well as a new £210 charge that had been added (£15 setting up fee and £195 handling fee which was £3 per instalment) which brought the total to £646.56. At the time I was no wiser and too ill to challenge any of this so just went along with it. I don't have a copy of the original gym membership agreement that I signed and so far I have paid off £410 of what I owed. Now I am better I searched online to see if these extra £210 charges were in fact legal and found all of your threads which lead me to starting my own and see if I can just pay off the remaining £20.56 that I owe to the gym then ignore the ridiculous charges CRS have added. I don't really know what my options are from here. Any help will be greatly appreciated. Rich
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