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    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
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Fit4less Harlands


JoshUK
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I joined this gym in May 2016

went for about 2/3 weeks before things changed and

i stopped going 5 months later

I realise I am still paying my direct debit which is totally my fault as i simply forgot to cancel it.

 

October 2016 I cancel it after the payment came out £19.99.

Funny enough I get a letter through the door a day or 2 later saying that your direct debit had been cancelled we see this as a mistake.

 

Please get in touch with us to reinstate your direct debit.

(Amazing that I have been paying for the past 5 months and not going at all but never got a letter to see what was happening but money stops and bang they are there)

 

I simply ignored this letter because i did not wish to carry on my membership.

 

2 days ago i received another letter saying that I have missed my payment for November 2016 due to this payment being missed you have incurred a £20 admin charge which leaves my account in arrears by £39.99.

 

In the letter it says we remind you that under the terms of your membership you need to provide 1 months notice and therefore make another payment. Failure to do so will result in further action.

 

Now I do not think i should have to pay anything

I never signed a contract,

never saw any terms and conditions nothing.

 

The website even says no contract, in fact when I signed up I told the person I only wanted 1 month.

 

now i am not sure what I should do, do i just ignore these letters? or just pay to get them off my backs?

 

I have until the 16th November to get in touch with them.

 

Thanks Josh.

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well you ignore their time limits that's for sure

 

 

they nor any DCA has ANY legal powers

they ARE NOT BAILIFFS

 

 

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 Josh and welcome to CAG

 

As DX says above, you can safely ignore any deadline "imposed" by Harlands - they have no power to make you do anything.

 

I've looked online and the type of m/ship agreement varies depending on the gym you signed up to. Can you let us know :-

 

1. What gym you used.

 

2. What was the monthly fee.

 

3. Did you join online; or did you join in the gym on their system; or did a staff member take you through the sign-up process and input your details.

 

4. Were you on a monthly no-contract agreement or a 6 or 12 month minimum agreement.

 

You say you saw no T&C's when you joined. I haven't been able to see any T&C's online yet despite having a good look for them. With most gyms, the T&C's are viewable BEFORE you go through the process of entering personal data but maybe that's not the case with Fit4Less.

 

Could you talk to a different gym (that offers the same type of m/ship) anonymously and ask them if you would be bound by T&C's about giving a month's notice if you want to leave. Let us know what you're told.

 

And give answers to the numbered Q's, so we can advise further.

 

Ignore any further demands from the gym or Harlands for now.

 

Finally, it probably doesn't matter if you used the gym or not - if you're bound by any T&C's, they'll apply regardless of gym usage.

 

:-)

Edited by slick132

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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1. What gym you used.

Fit4less Oldbury f4l.com/oldbury

 

2. What was the monthly fee.

£19.99

 

3. Did you join online; or did you join in the gym on their system; or did a staff member take you through the sign-up process and input your details.

I went into the gym and joined member took me through the sign-up process and did everything basically

 

4. Were you on a monthly no-contract agreement or a 6 or 12 month minimum agreement.

I was on a monthly no-contract agreement.

 

There is no T&C's on there website or none that I can see. When i joined/signed up I was never shown anything either.

 

I will go to another gym in fact I could probably go to the same gym and ask as they wouldn't know who i was anyway. Will keep you updated probably be tomorrow as working all day today.

 

thanks for the quick reply :)

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Hi Josh,

 

No need to contact one of their gyms - I've got the answer I needed already.

 

As with most other gym agreement Fit4Less require a month's notice if you want to cancel. Even though there's no minimum m/ship period, you still have to give this notice. The good news is that Harlands are too greedy to accept what you reasonably offer so you'll probably pay them nothing.

 

First off, I suggest you visit the gym and tell them you now realise you owe a final fee when you cancelled the DD without notice. Offer to pay the gym this final amount and, if they accept it, get them to sign the following letter before you pay them :-

 

Dear Fit4Less at Oldbury,

 

I was paying a monthly membership fee but was not using the gym. I cancelled the DD mandate after the October fee was paid.

 

If you require one final fee for the notice period, I will pay this so long as you accept it in full settlement of all that I owe Fit4Less and Harlands (who do your membership admin).

 

Yours faithfully.

 

Signed ________________ JoshUK

 

Countersigned by gym staff member ______________ Printed name

 

xxdate November 2016

 

If that doesn't work, we'll do a letter you can send to Harlands making a similar offer but refusing to pay any admin fees.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Letter as advised

No one said visit

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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Share on other sites

Hi Josh,

 

Ah well, the visit was worth a try but I'm not surprised the gym's unwilling to help. They tend to ignore their customers as soon as any dispute arises.

 

See the letter here which you can carefully adapt and use - http://www.consumeractiongroup.co.uk/forum/showthread.php?464998-Xercise4less-crs-spratt-edicott-once-again&p=4815303&viewfull=1#post4815303

 

Post a draft here first if you want it checked before sending to Harlands.

 

:-)

 

Use the advice on that post about getting proof of posting.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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What happens ? - You've made an offer to pay if they accept within 14 days.

 

If they fail to accept the offer or fail to reply, the offer is withdrawn.

 

Wait and see what happens ...................

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Letter as advised

No one said visit

 

Slick actually said visit?

 

Right sent the letter today so will wait and see what happens I guess :)

 

Thanks for the help, will let you know how it goes if they get back to me.

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