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    • Hi SW02 and welcome to CAG   Please tell us what gym this involves.   The solution for you is simple - just cancel the DD mandate immediately via your bank, to avoid them taking a full or reduced fee.   Once you've done that, let us know and we'll suggest a brief letter to post to the gym (or Head Office) saying you've cancelled the DD due to their unwillingness to treat your concerns seriously or sympathetically.   They'll whinge  and whine and say you owe ever increasing amounts but they'll do nothing to cause you any serious issues.   We've been telling folk here the same thing for nearly 10 years, after The OFT took AMSL to the High Court.   Let us know when you've cancelled the mandate and we'll take it from there.
    • bottom line is do what you must.   there is no 'rule' in law which stipulates you MUST give them any notice at all.   it's just something that is mentioned in most gym T&C's (though some scam you with 3 mnts!!) and we ADVISE to OFFER by letter should people had accidently stopped a GYM DD already.   you are quite safe to totally ignore anyone that demands money should you do so. gym debts do not show on credit files as you say..gyms don't do court any DCA is a useless and powerless firm that aren't bailiffs and can do stuff all on any debt be it a gym one or otherwise..   i know what i'd do....   dx  
    • Hi.   Don't apologise, we're here to help.   Please bear with us and I'm sure the experts will be along to help you.   HB
    • yes you should be reading mostly any threads here or your own one again from post one. CAG is self help too..   as has been said at least twice now..await if/when they send a letter of claim from one of the many fake/tame paperwork only solicitors.   dx  
    • Did you pay the seller direct or amazon ?    https://pay.amazon.co.uk/help/201749690      
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
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Gumtree Purchase turned out to be fake

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Evening all, I just wondered if I could pick peoples brains.


I purchased a tiffany bracelet from someone on Gumtree who had advertised it as genuine.

She had advised it was tarnished and would need polishing and that she had taken it to a jewellers who said it would cost £15.


I went to have a look, and the woman wouldn't obviously let me in the house. she brought it to the doorstep and I had a look.

it was dark, it was raining and i couldn't see it properly, but could see it was tarnished.

Now I am no jeweller so I couldn't tell properly.

I paid £105.


I put the bracelet in the glovebox of the car, and took it to a local jeweller the next day regarding the polishing.

the local jeweller looked at it and told me it was not genuine. it was rhodium plated copper.


I contacted the seller, who told it it was tough, she thought it was genuine

i bought it in good faith, she sold it in good faith and she will not give me my money back.


where do I stand on this?

I have tried to be reasonable, there have been no threats or demands,

just told her it wasnt genuine and therefore i would like my money back.

she is point blank refusing.

am convinced she knew it was fake, but of course I cannot prove it.



I also have a photo of the advert showing it advertised as genuine.

do I have any recourse with this?

thanks a lot.


and yes i know its my fault, i should have looked closer but at that time I didn't really have the time.

Working to remove my debts

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I am assuming you parted with cash for this item ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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Ask her for the address of the jewellers who said it would be £15.

I did part with the cash yes. Like a fool. And I went to the same jeweller who gave her the price for polishing. They didn't mention whether they told her it wasn't genuine.

Working to remove my debts

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Send her a letter before action telling her you want your money returned within 7 days or to take it further.


You have nothing to lose by doing this, but don't send it if you aren't prepared to go to court should it come to that.


Gumtree is the rip-off merchants dream site, it is so easy to con someone.

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things should be correctly described if a private seller is providing a description. and if it can be shown that she 'lied'/misrepresented. then may have a chance?

if you do communicate again, get things in writing/recorded.




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