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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Fitness First - unfair notice of fee increase?


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Hi,

 

I'm after some advice about how to proceed with FF.

 

Background

I cancelled my membership in December after the fee increase notice they sent out coming in to effect in January(which I gather most members of FF received); I did this in the gym and was told I wouldn't have to pay for January so cancelled my direct debit. I recently received a letter from head office saying that I owed for January. I phoned up proceeded to have a 'discussion' with one of their credit people that I considered it unfair that I should follow the T&Cs regarding membership cancellation dates when they, in my opinion, haven't followed the T&Cs and given me a month's notice of the fee increase. So I refused payment.

 

I then wrote them a letter and told this to them, citing up the The Unfair Terms in Consumer Contracts Regulations 1999 and that I think they are in breach due to the fact that they sent out their letters on 30th November and thus there was no way I was notified with 1 month, as it was impossible for the letter to reach me in time. I have since received a final demand for payment prior to forwarding on to a debt collection agency.

 

Question

Have FF gone against trading standards or regulations by sending out these letters on the last day of the month with the intent of giving a month's notice? And if so, can I use this as reason not to pay the 'extra' month that resulted? I don't really want the debt collectors after me, so can I keep things in play without that happening? It's not a case of a large amount of money, but on principle I believe they should be called to explain their actions.

 

Thanks

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Hi Plimsol,

 

If you read other threads here, you'll find many that refer to FF as well as other gyms that folks are having problems with.

 

This one, in particular, may be of interest to you - http://www.consumeractiongroup.co.uk/forum/showthread.php?290534-Loz-v-Fitness-First-re-Gym-Membership

 

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Hi Plimsol,

 

Noooo !! :!:

 

Read other threads to learn about other cases but use THIS thread to discuss your own case. Otherwise we end up with cases being mixed up and threads being hijacked.

 

I see you've posted on Loz's thread which is fine and you've had a useful reply.

 

8-)

Edited by slick132
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so i spoke to a legal advisor, they reckoned that my argument using the Unfair Terms in Consumer Contracts Regulations 1999 wasn't going to be much good. In fact, she said that whatever the fault of FF in their failure to give notice, they still are within their rights to expect the notice period in the contract. Not what I wanted to hear. She thought the best I could argue for was not to pay the fee increase.

FF still haven't responded to any of my letters. Last I heard they were giving me 7 days notice before sending me on to the debt collectors. I suspect I will hear from CARS any day now. I will give them a ring tomorrow to see if they will acknowledge anything, but to be honest in the face of the advice I've had I can't see much point in carrying this game on.

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Hi Plimsol,

 

I wonder if the CPUT Regs 2008 may offer you help. See here - http://www.consumerwiki.co.uk/index.php/The_Consumer_Protection_from_Unfair_Trading_Regulations_2008

 

Sections 1,2 and 3 may be relevant.

 

Was the Legal Advisor from CAB or elsewhere.

 

Gyms, their Admin Companies and the DCA's that act for them are having an increasingly hard time now. The OFT case against Ashbourne Management will, I'm sure, have a significant impact on the way gyms run their m/ship admin in the future.

 

If you feel you are being unfairly treated, fight them. They may threaten court action but I've not seen any cases go to court apart from individuals taking court action AGAINST the gym or Admin Co.

 

The only thing to watch out for is the posting of any adverse data on your credit files. Keep an eye out for this and, if they do this, challenge them vigorously.

 

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Hi Slick,

 

the legal advisor was from DAS through my home insurance. What do I need to be careful of regarding my credit files? I haven't looked at them for a couple years; once something is on there will I be able to get it removed? That's what bothers me most about a DCA chasing me. Whether I'm in the right or wrong, I could get lumbered with something on my history which I can't really afford to have on there.

 

thanks, though, that's an interesting set of regs. I may change tack on my argument and see if this can be acted on by the OFT.

 

cheers

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Hi Plimsol,

 

You can get a copy of your credit file by sending a request and paying £2 to Experian, Equifax or the other one (that I can't recall just now).

 

You can also get a free 30 day trial on-line with Experian but you have to ensure you cancel in accordance with their requirements or you WILL be charged.

 

You will be looking for any adverse data posted by the gym or their administrators, saying you are in arrears. If something is posted incorrectly, you can challenge it and get it removed. However, this may take some time and effort on your part.

 

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  • 2 weeks later...

well I decided to pay them the final month of membership, it was at the original rate and not the increased rate. Unfortunately now isn't a good time for me to take risks with my credit rating plus as an obsessive it was preying on my mind a bit much - which is annoyingly part of their tactic!

 

I would still like to take action against them; does anyone know if the OFT has any teeth if I make a complaint? Or is there any mileage in trying to claim off FF?

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Hi Plimsol,

 

The OFT don't deal with individual complaints - that would be the FOS.

 

Personally, I don't think it 's worth your while making a formal complaint. You chose to pay, so now enjoy the peace of mind, knowing this is dealt with.

 

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thanks for the advice slick.

 

It disgusts me that companies like FF get away with what they do - they aren't worth my time or energy. I'll just have to take satisfaction that they will never have a penny of mine again and will lose far more revenue in the long run through my bad mouthing than they gained from me through their petty money grabbing :mad2:

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