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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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Clifford Health Club/Ashbourne Management Contract Discrepancies

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Hi everyone, hoping this is a relatively straight-forward one.

 

I am a member at Clifford Health Club (Nottinghamshire), which use Ashbourne Management for their membership payments.

 

I emailed Ashbourne as I have moved house and I was wondering if I could end my membership as the gym is now a bit out of my way.

Ashbourne replied saying I had to have moved 15 miles away, I haven't quite moved 15 miles away, fair enough I don't meet that requirement. It'll be a bit irritating but not the end of the world.

 

The bit of the email that confused me was the opening sentence,

"The contract that you signed and agreed to is for a period of twelve months, to date you have made three payments and we require a further nine payments in order to cancel."

 

The contract I agreed to and signed was, indeed, for 12 months. However, it was part of a promotional offer - sign up (November) and pay nothing until 1st February.

 

In my mind then, in April, I am six months into my 12 month contract, with 6 payments left to make, not the 9 that they have said I have left? That would surely make my contract 15 months long not 12?

 

I was just wondering if I am able to argue the case with them about the 3 months they appear to have added on?

 

Thanks for any help

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urh?

 

you cancel by letter as you've moved away, forget their fleecing rubbish

and then you'll only owe ONE month [30 days notice to cancel - payment]


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So I am able to cancel even though I am within the 15 miles? That would be great, in their email to me it says

 

"In response to your email, we require proof of relocation in the form of two utility bills addressed to you at your new address. We are unable to accept bank statements. The proof must be confirming you live 15 miles or more away from the gym, once these are received we can cancel your membership with 30 days notice."

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Why on earth do you think their 15 mile requirement is binding on you? By that logic, theyre saying they can stop you moving further out. Tell them theyre gettone one months subscription and the contract is cancelled. You may get letters from harland or a DCA, if the gym is stupid, but they cannot do a single thing. And never will.

 

reiterate the one month to them, and say if they dont accept it, then basically tough luck to them.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Hi Pad and welcome to CAG

 

Help us to help you - how far will you be from the gym after the move and how long is the journey by your normal mode of transport.

 

Their 15 miles is not reasonable or enforceable if, say, you cycled to the gym, took a bus or walked when at your last address.

 

You certainly don't have to provide 2 utility bills, nor should you pay for a month AFTER you provide the proof they "require". AMSL were taken to court in 2011 for using unfair and onerous tactics in enforcing gyms agreements

 

We'd need to see the small print about the 3 month offer before deciding if you owe them a further 3 or 6 months fees. However, we'll probably suggest you tell them to shove off 'cos you moved far enough away to make it reasonable to cancel, regardless of their T&C's.

 

:-)


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Hi Slick, thank you.

 

I was living approximately 9 miles from the gym, I drove and it would take under 20 minutes.

 

I joined as it was located well between my address and my place of study (I am a mature student and was commuting daily between Nottingham and Derby) and would pretty much drive past the gym twice a day.

 

Due to a relationship break-up over the last few weeks I am relocating and will now be living in Derby and not commuting. Whilst this only moves me 3 or 4 miles further away from the gym it is no longer now conveniently placed along my commute, and there will be 15 or 20 minutes added to my journey to visit it.

 

Im not sure where to get hold of the small print for the offer as it was advertised on Facebook and AMSL didn't provide me with a copy of my contract.

 

Please let me know if you require any further information, and also if it's worth pursueing this - I'm well aware I may just have to suck it up and learn from my mistakes!

 

Cheers!

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I'm well aware I may just have to suck it up and learn from my mistakes!

 

More so you need to suck it up and get that way of thinking out of your head :)


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Pad,

 

I wouldn't worry about the contract period. Sounds to me like it's a 12 month agreement with the initial 3 months free. It could be argued that the agreement is longer than 12 months and therefore not enforceable but I think this is a weak argument.

 

No need for their small print either.

 

I would now send AMSL a typed letter and get a free Certificate of Posting at the PO when you send it. Keep it simple :-

 

Dear sir or madam,

 

I refer to my membership at Clifford Health Club.

 

I have moved address and it's no longer convenient for me to attend.

 

I will allow one more fee to be taken by DD and, after that is paid, the DD mandate will be cancelled.

 

You have no authority to demand that I supply the documents you referred to, nor can you enforce arbitrary rules about the distance I now live from the gym.

 

If you continue to make payment demands, I will complain to the gym and the authorities as necessary.

 

Yours faithfully,

 

:-)


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