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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Xercise4less - cancellation after the initial term - admin fees


jknemma
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Good morning,

 

I originally joined xercise4less in January 14 after a phone call from a sales person. I was reluctant but they talked me round by offering two months for free & £9.99 a month there after. Even though the gym was 18 miles from my home I niaevely agreed to become a member.

 

I didn't/haven't used the facilities once & in February I emailed the operations manager asking to cancel my membership but received no reply. I left it until April and sent another request to cancel via but again didn't get a response. In September I noticed they were still taking the amount so I cancelled by direct debit.

 

Now I am receiving threatening letters saying I owe £69:98 with x2 £25 'admin' charges and the threat of court.

 

I've rang xercise4less but been told the manager isn't available - I've emailed the operations manager again and haven't gotten a response (I see a pattern here) however when I messaged them publicly on Twitter they responded (funny that!) but in their DM they have simply said "Sorry however unfortunately you cannot cancel your membership via email unless you have this agreed by the operations manager - do you have this indicated in your emails"

 

I replied stating that I hadn't received a reply and asked how they could resolve the matter but they have not responded.

 

I'm not sure why an email won't suffice when the only contract I've received was via email and I haven't signed anything from them. In fact the only letters I have received were from Harlands threatening me and charging me x2 £25.

 

Do you have any advice for me - I can't have a CCJ against me because of my employment.

 

They have no responded saying that "unfortunately in this instance you will need to pay the cancellations charges - what is your contact number so a member of the membership team can contact you?" I feel this is completely unfair - howe should I respond.

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woe slow down

 

 

if you search here you'll find that's exactly the way they operate

in that they never ack your cancellation.

 

 

 

 

you cancelled end of tough luck on them.

 

 

shame they got all that money out of you for doing nothing.

 

 

now they want more HAHAHA.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It's a joke isn't it? I've offered to pay September and October membership fees of £9.99 if they will cancel my membership and consider the matter resolved. I'll let you know what they say.

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Yes you are going to have to to see if you can work something out to release you from that contract

 

Were you over 18 when you took out the contract as you mention being a student?

 

They will hit you with a CCJ for the entire contract length. With Gym membershp that is normally 24 months

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Gyms don't do ccj anymore they lost the last one

Wait for slick132 to advise before you do anything more

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Jk and welcome to CAG

 

Yes you are going to have to to see if you can work something out to release you from that contract

 

Were you over 18 when you took out the contract as you mention being a student?

 

They will hit you with a CCJ for the entire contract length. With Gym membershp that is normally 24 months

 

I suggest you ignore OD's opinion above as it's fundamentally wrong.

 

I suspect your initial agreement was for 12 months as that's the usual term with £9.99 monthly fees at X4Less. If the agrement was for 24 month's it would be unenforceable following the case of The OFT v AMSL in 2011.

 

The chance of any CCJ arising from this is absolutely minimal. Despite what Harlands/CRS threaten in their demands, they avoid court action because they know they don't have solid grounds to litigate.

 

In your 1st post, you say you emailed the gym in February. Please confirm you mean Feb 2015.

 

The gym is wrong to say you can't cancel by email. They can't refuse a cancellation because you didn't use their normal form.

 

Depending on what you tell us, one option may be for you to seek a refund of all DD's paid after you emailed to cancel (plus one month). This can be done using the DD Guarantee Scheme via your bank and several CAGgers have done this in the past.

 

1. Do you still have a copy of the email sent to the Ops Mgr.

 

2. What date was the email sent.

 

3. On what date did you pay your 12th gym fee.

 

:-)

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Ah gutted, I wish I had waited for your reply but unfortunately I buckled and called them & paid £39.98 X2 monthly fees of £9.99 and a £20 admin charge with the assurance that that was the matter resolved. I guess I just didn't want it hanging over my head.

 

In answer to your questions;

 

Yes it was 12/02/15 that the email was sent, I have kept copies & my 12 monthly payment was on 15/03/15! I also emailed again on 09/04/15.

 

kicking myself now, feel as though they've won.

 

I will contact my bank regarding DD scheme.

Edited by jknemma
Didn't read full response as reading via phone
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Yes, it is a real shame you were unable to wait for slick to respond as you were provided with very bad advice by OD :(

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Let us look at this objectively before any more character assanations

 

The judge concluded that a contract was unfair if it ran for longer than 12 months and did not allow the consumer to cancel with 30 days' notice and a moderate penalty

 

1. A Gym can have a contract of more than 12 months but must have a cancelation clause after the first 12 months, normally a months notice

2. In this case it is a 12 months contract

3. The op started the Gym in January 2015 under contract

4. That contract will end January 2016

5. You cannot cancel the agreement in the first 12 months as you are under contract (CCA 1974) unless a medical issue etc presents itself without penalty (Cancellation charges)

6. The notion they cannot enforce that agreement within the first 12 months of contract with a CCJ is nonsense

Edited by obiter dictum
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Then yes you can cancel without penalty

 

The problem that you have is that you received no official notice of that cancellation request from xerciseforless or the finance company. (Did you)

 

If you have proof via an email or recorded delivery of your request to cancel then you will be fine.

 

Without that they will simply carry on with your contract as normal, or simply roll over your contract at the end of the contractual term until cancelled in writing.

The same as a mobile phone contract

 

The onus would have been on you to confirm cancellation if you never received confirmation back

 

At the moment you are still liable for those cancellation charges unless you can prove to the contrary

 

The moral of the story is always have a paper trail you can refer back to

 

I would think you will be able to claim back those Harlands 2 x £25.00 letter charges. You will need to check that in the agreement you signed if an outside collection agency can levy such charges

Edited by obiter dictum
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@ Obiter Dictum - We have been dealing with Harlands for many years and know how they operate.

 

You haven't helped Jk at all and have, in fact, led to them paying money to Harlands that is simply not due.

 

Please leave us to deal with these cases, based on our experience and knowledge.

We could do with some help from you

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@ JK

 

Contact your bank immediately and tell them you made the payment referred to in post #10 under duress and you require it to be refunded.

 

Let us know how this goes and we'll take it from there.

 

The copy email you sent to the gym will work in your favour.

 

:-)

We could do with some help from you

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