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    • So I ONLY contact X4L and not Harlands, right?   Just checking is this their correct address? XERCISE4LESS Head Office 1 Kirkstall Industrial Estate Kirkstall Road Burley Leeds LS4 2AZ   Here's the letter I intend to send, should I pull the trigger or change anything? (I'll obviously add customer reference numbers and such too so they know who I am)   Dear sir or madam,   I refer to my Xercise4Less membership in Hull which I chose to cancel.   I now realise I should have paid 1 final month's gym fee after giving notice to cancel and offer to pay this gym fee now. I will not pay the unlawful admin fee which you say is also due.   Please confirm in writing that you will accept the £14.99 gym fee to settle this matter and supply your payment details and a payments reference number.   If you demand any higher amount, or fail to accept my offer within 14 days, the offer will be withdrawn and all further communication from yourself or Harlands will be ignored.   Yours faithfully,
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    • Well if you have DSAR to CIFAs and Hitachi and cant get anywhere then you can either go to the FSO and raise a complaint or CIFAS Consumer Affairs Team as outlined in the link I have provided.
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Can somebody explain what this means, maybe give dates on how this would work, based on a loan taken Today 24th May..

 

You have the right to withdraw from the credit agreement within 14 calender days after you receive written confirmation that we have executed the agreement. If you withdraw after receiving credit, you must repay the credit within 30 days and repay any interest due on the credit.

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Hi there

 

It is basically a 14 day cooling off period. So you can back out of the credit agreement any time up to 14 days after they execute the agreement. So, let us say you buy some goods on credit, say from a sales rep who visits your house. You take their finance option. You have 14 days to opt out of the finance. This doesn't affect your contract with the supplier of the goods, you would just have to pay them yourself without using the finance package.

 

If you been given the finance i.e. some money under the agreement, you must repay it within 30 days plus some interest for the privilage of having used that money on loan for that short period of time.

 

ims

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Hi there

 

It is basically a 14 day cooling off period. So you can back out of the credit agreement any time up to 14 days after they execute the agreement. So, let us say you buy some goods on credit, say from a sales rep who visits your house. You take their finance option. You have 14 days to opt out of the finance. This doesn't affect your contract with the supplier of the goods, you would just have to pay them yourself without using the finance package.

 

If you been given the finance i.e. some money under the agreement, you must repay it within 30 days plus some interest for the privilage of having used that money on loan for that short period of time.

 

ims

 

So if I was for example to cancel on 14th day, do I have 30 days from that date to repay the credit + interest for the period I hade the credit for...or is it 30 days from the date I received the credit - regardless of when within the 14 days I cancelled?

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Hold on.....I'm just going to get an agreement and have a look.....back in a mo

 

ims

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1. Single Premium PPI Q&A Read Here

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Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Hi there

 

Its 30 days from the date of giving notice. Some of them word it like this....."repay the credit without undue delay or in ay event no later than 30 days after giving notice....."

 

Hope this helps

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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Read Here

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Read Here

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Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Hold on.....I'm just going to get an agreement and have a look.....back in a mo

 

ims

 

Thanks the paragraph in my original post is from my agreement, however when calling hsbc they state that can cancel within 14 days and loan needs to be paid back within 14 days - on the day of cancellation

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The wording taken from your agreement is

 

"You have the right to withdraw from the credit agreement within 14 calender days after you receive written confirmation that we have executed the agreement. If you withdraw after receiving credit, you must repay the credit within 30 days and repay any interestlink3.gif due on the credit."

 

which to me reads that you have 14 days to withdraw and 30 days from that date. I don't think they have worded it very well. Personally, I wouldn't rely on info given in a phone call to a bank!

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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The wording taken from your agreement is

 

"You have the right to withdraw from the credit agreement within 14 calender days after you receive written confirmation that we have executed the agreement. If you withdraw after receiving credit, you must repay the credit within 30 days and repay any interestlink3.gif due on the credit."

 

which to me reads that you have 14 days to withdraw and 30 days from that date. I don't think they have worded it very well. Personally, I wouldn't rely on info given in a phone call to a bank!

 

ims

 

Thats what I make of it too when reading it - but if the telephone operater telling me differen says to me that I may have issue if I follow what it says on the paperwork and dont want to pay lots of interest as the loan is front loaded....

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Well to my mind you have a written document on which you should be able to rely OR you have some heresay from a phone operator.

 

If you want to be absoluteley sure, why not pop into the local branch of the "World's Local Bank" and clarify it. Whatever they say get them to put it in writing.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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By way of further information, the 14 day withdrawal period came in to force by way of the Consumer Credit Directive earlier this year

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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