Life style fitness and CRS

[surreynick]

Hi all

I was a member of Life style fitness in Lightwater.

After 4 months I got a vad back due to lifting weights the wrong way so I stoped going and stopped the direct debit.

 

Now I am being chased by CRS Credit Services Limited.

 

The total amount of the contract was 480 for one year and I asked them when I opened the account to to do automatic renewal.

 

Now CRS claims fees of 160 and some other fees they say are because I stiped the direct debit.

 

I was a member for 4 months before I stoped going. so 480-160=320

 

What should I do? I havent been to a doctor thinking is going to get better my back but is getting worst.

 

I had a letter on Firday with bold red letters that unless I pay 680 they will send someone called face2face around my home and they will be extra charges added.

 

Also this morning they called me at home first 11:28 a message left by Ben. Is recorded on my phone.

Few minutes later they called me at work. Same person. And my colloeague put them on.

 

What should I do?

 

I promise to let you know the outcome but please help. I cant afford this money.

[Hardupnotfedup]

If you can prove that the gym damaged your back then they have failed in their duty of care in allowing you to used equipment without training or supervision, as for the debt side send the DCA a prove it letter, also the doorstep visit letter as they can only visit you with your permission. Have you had any default notices or letter of assignment from Lifestyle.

I wouldn't normally recommend a no win no fee accident claims company but it might be worth testing the water to see what their opinion is onj you actually winning a case for your damaged back particularly if you had no induction or assessment on joining the gym.

Edited January 18, 2010 by Hardupnotfedup

[MARTIN3030]

Theres no shortage of threads here with issues regarding LS.Do a search and you will see.

[MARTIN3030]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/210356-crs-debt-collectors.html

[MARTIN3030]

Read this too;

 

http://www.consumerforums.com/the-news/latest-news/614-gym-membership-clubs-are-forced-to-get-fair-

[surreynick]

Hi no letter of asignment. First letter was from CRS saying that they going to send someone around.

I m not sure I can prove I did my back at the gym. Fact is they never did the weight lifting induction. Only running machines and rowing.

Now I know how I hurt myself but I dont think I can prove it.

I spoke with CRS as the called all day. They say their charges are in the TC and they will send me a copy. I guess I ll have to pay. but is a huge difference betwen 320 what I owe them if I went for the rest of the year and 680. what they are claiming now.

[surreyn]

They have sent me a copy of the terms and conditions.

At point 9 :

If you fail to pay any amount due under this agreement for a period of more than 30 days, then we may pass the debt to a third party company for collection. The reasonable costs incurred in employing the third party company will be borne by you including costs in tracing you should you have changed your address without telling us.

 

Please help. Do I have to pay the 288 pounds fee from CRS? That is added to what I owe to the gym.

I cant pay them £ 360 in one go.

Please help me.

[surreyn]

The letter from CRS has attached the signed contract and also stupidly I signed the induction form without having the induction.

Is Life style fitness not in breach of data potection by passing my all my information to debt collection? No they dont have the deeds asigned.

[surreynick]

Hi

they are about to take me to court.

I refuse to pay because they doubled up the amount owed.

Also I left lifestylefitness after three months because:

1. They did not provided me with the right induction for weight lifting so I had an accident and my back is slightly damaged. They were also supposed to give me a diet programe and a fitness programe. Never happened.

Further more they falsely made me sign a form I completed the induction but I was under the impression that there will be an induction for tredmills (which I did and signed the form) and another one for weight lifting. Now they say they provided me with induction. Lie I have a witness.

 

So crs got very heavy from threataning to sent someone around to calling my work and leaving a message with a colleague to call them urgently back. That was 5 minutes after they called my home.

The message they left stated that he was calling from crs.

My colleague knew they re a debt collection and I was ashamed because he told everyone and I think that was crs intention.

 

Can I represent myself or I need a solicitor?

They stressed me so much that I had a lot of sick days and because of that I was not promoted or get a pay rise and almost got sacked.

Sleepless nights too.

[surreynick]

Or even better can I make a claim in court for harresment and moral damages or I need a solicitor. Anyone can recomend me one?

[Bear1978]

Try reading this thread:

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/70727-credit-resolution-services-crs.html

 

Don't panic. They're mainly just about threats and bluff.

[Unfair Contract]

If you know any solicitors I would definitely speak to one. Or try CAB office.

[Conniff]

If you know any solicitors I would definitely speak to one. Or try CAB office.

 

 

Only if they are drinking pals. There is no need for a solicitor.

[Unfair Contract]

It looks like Conniff does not like me.lol.

[Bear1978]

I have to agree. I think it's very unlikely CRS will ever do anything more than make threats. Solicitors will end up costing more than they claim you owe them. CAB is a better starting point, or read the thread posted above.

[Conniff]

It looks like Conniff does not like me.lol.

 

Nothing against you personally UC. Solicitors can cost big money so are never the first line of attack.

 

You are in the mortgage advice business so would be able to (and I hope you will), offer advice on that subject without a solicitor and the same goes for just about every subject for which there is consumer regulation in force.

Someone on here will know what those regulations are and how to interpret them and offer advice on how to use them and it's very rare they are not successfull.

The majority of assistance comes from those who have had personal experience so know the route to follow.

 

Always try the cheapes method first and if the problem is so serious that it requires a solicitor, then by all means contact one for advice.

[Conniff]

Hi

 

So crs got very heavy from threataning to sent someone around to calling my work and leaving a message with a colleague to call them urgently back. That was 5 minutes after they called my home.

The message they left stated that he was calling from crs.

My colleague knew they re a debt collection and I was ashamed because he told everyone and I think that was crs intention.

 

Can I represent myself or I need a solicitor?

They stressed me so much that I had a lot of sick days and because of that I was not promoted or get a pay rise and almost got sacked.

Sleepless nights too.

 

I believe that it is unlawful for dca and bailiffs to leave things in a position that can be seen by other and so cause embarassement. This would definately go for telling someone as well, so concentrate on this aspect of it. I think you may just have something here which will not only stop them, but could get them into trouble.