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Found 21 results

  1. Hi all, Very sorry for the long post, hope it makes sense. I have seen quite a few posts here regarding Xercise4Less but every case seems to be different and i just want to check what i have done is correct. I was with the gym for approx. 2 years, i changed jobs and could no longer attend the gym so i went into the gym and spoke to a lady at the counter to cancel my membership this was around the 21st May, at this point there was no mention that i needed to go online to cancel and no mention that i needed 30 days to cancel my membership, the lady simply said that my membership has be
  2. Hi all! Thanks for all your advice on these forums! They've helped a tonne and I've tried to keep well informed. I thought I'd just ask for some advice to make sure that I'm not doing anything wrong 26 Nov 2015 - Xercise4Less Membership for 12 months 26 Dec 2016 - Last payment made of £9.99. At this point I filled on the form online and cancelled my DD. And then the troubles and the letters started... 28th Jan 2017 - I sent a letter to Harlands using the templates I found on here stating: - I cancelled my DD on 28/12/16 as adequate notice of my cancellation of gym agree
  3. 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
  4. 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 any
  5. 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,
  6. HI all, In 2015 I joined Exercise for Less. I cancelled the direct debit having spoken to the gym manager as I didn't like the facilities and naively thinking that would be the last i heard from them. I then battled with Harlands (I offered them the 9.99 as advised by this forum) then CRS (who gave my account back to Harlands after II sent them an email composed by the legendary Slick132). This happened in November 2015. However, as I was clearing my inbox I found this email from Harlands dated 05/01/17 ( this is the first I've heard from them since Nov
  7. Hello. I do not know how I should proceed - I am quite worried as I am in the process of wanting to purchase my first home and cannot afford to have silly companies like the ones above impose court junctions against my name / affect my credit rating... Around May 2015, I had the usual nonsense posted on here that Xercise4Less wished to claim £126 from me, for "prematurely" cancelling a DD with no notice. So in result, they sent the Zinc hounds after me, to which after A LOT of harrassment, they accepted all the proof i provided to them and closed my account. This
  8. Hello! It seems I am another persons struggling with CRS/Harlands etc etc. Way back in 2012, I entered into a gym contract with Fitness First in Leeds whilst at University. I then moved back home (40 miles away) and called Fitness First and asked them to transfer my "home" club to being back at my parents home, they said this was fine. Fitness First then shut down my local gym, I called them and they said everything was cancelled and that they were sorry for any confusion. I then found a DD on my bank account to "Harlands" in around February/March 2013, went
  9. Hello I have got a debt with Spark for £1110.10, I have been passed over to Zinc I emailed them and offered to pay £5 per month, they agreed to this and said they would get in touch with Spark to see if I could pay this rate for the next 24 months rather than the usual 12. whilst still awaiting an answer to this and a date to start paying the £5 I got a phonecall from BW Legal who said they were dealing with this and wanted to go through income/expenditure, I asked them to ring during my dinner hour, they didn't, I rang them and they s
  10. Hi there, I'm looking for a bit of advice on a gym membership gone wrong. I was a member at Xercise4less in Renfrew, I joined within a couple of days of the 8.7.14 on a 12 month option. By April 2015 I knew I was moving out the area and wanting to cancel after the 12 month period was up. I took a cancellation letter into main reception at the start May stating that my membership should cancel after my June payment. I didnt go again because I had moved house. It was only in January when I received a letter from CRS to my new address that I owed them £207.10 fo
  11. Hi everyone, I would be really grateful for some help as I'm loosing sleep over my ongoing battle with Zinc/Harlands/CRS. My partner and I joined Exercise for Less on an 11 month contract in March 2014, by April 2014 we decided to cancel our membership as the gym was not to our liking. I mistakenly believed that I could just cancel my direct debit. Within a few days we started to receive letters. So on 20th April, we sent them a letter offering the £9.99 (taken from the forum). Harlands have denied receiving this letter. So now the debt (which currently stands at £226.00) has been passe
  12. Hello, just stopping by to bring you yet another issue with the infamous Harlands/CRS/Zinc triad. me and my girlfriend joined the gym back in 09/14. I went for about a month (typical) and then decided I did not want to go anymore, I cancelled my direct debit. I have very recently sorted it out and gave Zinc an offer for what I owed exactly (11 x £9.99 payments), did not take the offers they were giving me of course as these included 'charges' which obviously I am not liable to pay in any way. They accepted this with no issues and as far as I am aware my side of things is
  13. Hello, Please I need advice, I wrote a pocket book for the first in my life and invited friends and family for the launching. Before the event I got this new mobile card payment called Zinc from wordplay no contract just pay as you go but initial you pay for the card reader. I told them what I wanted to use it for, that I am going to launch a book and with my past experience going to events like that people tend to use their debit card for payment. Since the launch three months ago worldpay refused to release my fund to me. The amount is well w
  14. Hi Everyone, I have a few questions and I'm hoping to get some advice. I joined xcercise4less where I stay for university in Nov '13 on a year long contract and then cancelled the membership in Oct '14, which I believe means I paid for all 12 months of the contract. After I cancelled, letters were sent to my parent's address from CRS saying that I owed money. Now the "debt" has been passed on to Zinc and is somewhere in the region of £200. I spoke to them on the phone, which was probably ill-advised a few weeks ago, and, if I remember correctly, the majority of the charge was fr
  15. Hi I joined a lifestyle fitness gym in October 2014, my job moved (but not my home address) so I didn't want to go to that gym anymore. I cancelled the direct debit in December 2014 - without contacting them. I knew they wouldn't let me cancel so thought no point in contacting them. I have since had a couple of letters from Harlands and CRS - the 'debt' now stands at £288.20. I know from research that they are all the same company. I have ignored every single letter... rightly or wrongly? I have never had a phonecall or an email chasing me? Now I have received a letter sayi
  16. Hello, I signed up for a years membership with Xercise4Less Leeds branch in October 2013. After the full year had passed, I emailed X4L querying what the cancellation process was I had moved out of the area and did not wish to continue my membership. I received an email back stating that I must fill out a form and send it to them, either by post or email. I did so and sent it back to them, I asked them for confirmation of receipt however no one replied to me. I waited a month before cancelling my direct debits. Since January 15 I have been receiving numerous calls a day, a
  17. I have been using this site for a while for information and advice given to others and have found it very valuable, so first of all well done to all involved helping consumers. thought i would post my issue as seems i need some specific advice on what to do at the moment... I moved down to London last year and signed up for a gym membership on a corporate rate through my work. I didn't actually involve my work, but when i went down to discuss the membership i mentioned i worked for the company i did and negotiated a deal with them. when negotiating i specifically asked (because
  18. Hi, my girlfriend has received a letter from capquest about her outstanding debt to orange for a mobile contract. This bill is for calls she made whilst on holiday in the carribean. She owes £2000 !!!!! This was in 2009 the account was defaulted july 2009. It got passed to debt collection and it started with the usual threats. Then a debt collection agency threatened her with bankruptcy. She received a statutory demand. I did not know about this site got no advice and we ignored it. Some time later she got a letter saying the debt had been passed t
  19. A couple of weeks ago I had a letter from Zinc, they had bought an old debt from Capquest (who had given up on me after ignoring them for abour 3 years) who in turn bought a debt of £600 from Vanquis Credit Cards. They have started calling, I must say they are more aggressive than most DCAs. Anyway my brother took the call (I live with the parents) and just said he hadn't seen me for a while and took a telephone number from them. My question being, if I did CCA them, I know it's a bit like how long is a piece of string, but what liklihood would they have of being able to come up wit
  20. i am constantly getting phone calls from a company called Zinc collections in Glasgow regarding a debt i had with Capital One, this was in 2005-2006, the debt was ours although i dispute the figure. My husband had an accident around that time and broke his neck, therefore causing loss of job...no income and many debts, we took out an IVA in order to clear these debts and Capital one was included. we continued to pay the IVA company each month as arranged but found ourselves struggling financially on benefits that we were unable to cover the IVA and it subsequently failed. This c
  21. Hi all, Longtime no speak. I am after a little advice. The back ground is as follows:- My wife has two CCJ's going back to early 2008 for HSBC Loan & Credit Card accounts. The original defaults/last payments on these accounts go back to Jun 06 and Jan 07 consecutively. These payments were made after the accounts were transferred to the DCA CL Finance. Recently, these accounts have been chased by the DCA's Zinc Recoveries and Lowell Portfolio I Ltd. I sent a CCA request to both of these DCA's on 17/10/11 and neither have been able to produce any CCA's etc.
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