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Hi Thanks for letting me join this forum.


I have a wee ongoing issue with a company called Debit Finance Collections.


My husband joined a gym just over 12 months ago and signed a contract and DD agreement with DFC.

Due to work commitments he is no longer able to use the gym.



I e-mailed them at the beginning of the year to give them a months notice for cancellation as stated in the contract.


The terms of the contract are worded -

    [*]I have received details of the subscription packages on offer I am committing to a minimum period of 12 months


    This suggests to me that after 12 months we can cancel the contract with a months notice.


    Following this e-mail I received a reply from DFC the reply was as follows -


    Dear Mr Sazno


    Thank you for your recent correspondence, the contents of which have been noted on file.


    We can confirm that you are able to cancel once 12 months have been completed however, this is subject to a termination payment.


    Please advise if you would like to go ahead with this option.


    If you have any other questions please don’t hesitate to contact us either via email or by telephone on 01908 422007.


    Kind regards


    I replied to this e-mail saying I did not agree and will not be paying a cancellation fee etc etc.

    I received an automated reply to say they would reply with in 10 working days.



    It has now been over 10 working days and I have not heard anything from them.

    The phone number provided does not work.

    I have allowed Febs payment to come out of the account but want to go ahead and cancel DD

    but don't want any threatening letters from this company.


    Just wondered if there was anyway to approach this.




Edited by slick132
removed names to retain anonymity
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Hi Sazno and welcome to CAG


I've edited your post to remove identifying names. Best to remain as anonymous as you can on the web.


You'd need to check the agreement T&C's to see if mention is made of a Termination fee.


Even if such mention is made, that does NOT mean the term is fair or enforceable.


In my experience here, you need to give notice to quit, pay the next month's fee as a final payment, and that satisfy your obligations.


Do NOT try to call the gym or their admin company. You'll normally hear nothing to your advantage. Keep all comm'ns in writing only.


If you want to challenge their assertions, you may well end up getting threatening letters and demands. However, we've been helping folk stand up to such demands for many years.


Wait for their specific reply to your email and ignore other demands for now.


Keep us posted.



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