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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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Lifestyle Fitness and Harlands problem


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Hi Ross, Slick and Co.

 

 

in a similar boat (I have cancelled direct debit with Lifestyle Fitness, and have Harlands on my arse, currently billing me 40.99 when my cancellation is only 14.99).

 

 

Hands up, I thought cancelling my DD was the way to cancel as it was in the e-mail they sent at the start. However am now in this situation.

 

 

I want to know how far they take it. *Questions directed to whoever is able to respond

 

For example

 

 

1. did you send letter as in post #27? if so what was outcome?

 

 

2. can Zinc or the debt collection agency etc effect my credit score?

 

 

3. can I jump at them already and start making complaints through FCA, CMA etc.?

 

 

thanks

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you need to start a new thread

of your OWN please

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 Rowlocks and welcome to CAG

 

Posts moved to your own new thread to use from here on .........

 

In case you need to cancel a gym agreement in the future, see the Guide here - https://www.consumeractiongroup.co.uk/forum/showthread.php?452671-Cancelling-your-Gym-Agreement-Get-it-right-!

 

See this post that you could adapt and use for your case with Lifestyle Fitness - https://www.consumeractiongroup.co.uk/forum/showthread.php?487279-Lifestyle-fitness-Credit-Resolution-Services&p=5121232&viewfull=1#post5121232

 

Read as many threads here as you can - you'll find many similar cases with lots of advice about how to treat Harlands/CRS, The Zinc Group and whoever they use as their pet solicitor at any given time.

 

1. Before you do anything though, was yours a monthly rolling,or a 12 month agreement.

 

2. When did you sign up if it was a 12 month agreement.

 

3. Approx when did you cancel the DD mandate.

 

Too early yet to complain to anyone as, currently, it may well be YOU who is in the wrong. You could only complain once Harlands/CRS are in the wrong by applying increasing admin fees and harassing you AFTER you've made a proper offer to settle as necessary.

 

:-)

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1. monthly rolling

 

 

2. n/a

 

 

3. I cancelled the direct debit 17 may before my 26 may payment was due (I had not used the gym this month, I was originally unaware of the cancellation process)

 

 

Harlands have now incurred 'admin fees' and will not reduce them. They are aware I wish to cancel. They told me the only way to reduce the fees / get rid of them is for the gym to tell them to and that it was their error. Harlands have frozen my account for two weeks for me to raise it with the gym etc.

 

 

I spoke to my gym in March to cancel, someone said it was fine. So I cancelled my direct debit after I paid April.

 

 

I have e-mailed gym asking/ telling them to update Harlands.

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Hi Rowlocks,

 

Harlands have now incurred 'admin fees' and will not reduce them. They are aware I wish to cancel. They told me the only way to reduce the fees / get rid of them is for the gym to tell them to and that it was their error. Harlands have frozen my account for two weeks for me to raise it with the gym etc.

 

They may not reduce their fees but they also won't enforce them !!

 

Read other threads here for inspiration.

 

Use that letter I linked in my post above but leave out the first paragraph.

 

Speak to no one on the phone, not Harlands/CRS nor the gym. Neither will assist you in any way.

 

Harlands/CRS will make demands and threats but they will not actually DO anything.

 

Just send Harlands the letter and let us know what Harlands/CRS come back with in reply.

 

Read, read, read ............

 

:-)

We could do with some help from you

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Hi Slick,

 

An update:

 

This is the e-mail I sent to the gym directly, yesterday 29/05/18:

 

 

To Lifestyle Fitness Cardiff,

 

Despite having cancelled my membership in March and paying my April cancellation fee - I am appalled to of have received letters from Harlands advising me that I am in arrears.

 

I believe that when I cancelled my membership the correct actions were not taken, as Harlands has no evidence of a cancellation, hence the charges.

 

Enraged, I have tried to contact you by telephone, however, your phone line seems to be dead.

 

I have contacted the consumer helpline and risen a formal enquiry and will be furthering it with the competition and markets authority if necessary, citing the Consumer Rights Act of 2015.

 

As a student who is heavily involved in student welfare and in an influential position, I will also be updating all relevant student bulletins regarding health and fitness at Cardiff Metropolitan University, Cardiff University, and USW warning of the very dodgy, unfair Lifestyle Fitness.

 

I will also be sending a university wide email to spread across all three servers advising all students to avoid Lifestyle Fitness as if it were the plague, to avoid being unfairly and illegitimately charged.

 

I will strongly advise using one of the more responsible competitors such as thegym or easygym, listing their attributes one of which being that they run a transparent system. Furthermore, I will advise the Students Union that any space or attempts at any fayre should be politely declined as to discourage exploitation.

 

I request that you, immediately, email Harlands the correct information that: NAME SURNAME, customer reference ##### did in fact cancel his membership in March as per discussed on the telephone and that I have no outstanding debts with you or Harlands. Having wasted half a day speaking with them, I understand that power to remove these charges therein lies with you as Lifestyle Fitness, Cardiff.

 

Regards

 

NAME SURNAME

 

To which I received this e-mail which I was CC'd in.

 

From: Cardiff manager

To: ICS Customer Service

CC: (me)

 

Hi team,

Please cancel down and wipe any arrears in regards to this membership.

 

Thank you

 

*Manger name* Club manager

Lifestyle Fitness etc. etc.

I'll see what happens from here and update you.

Any advice as of yet?

Edited by dx100uk
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well done sorted!

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 Rowlocks,

 

Your complaint was way too long and verbose but who cares - if the gym orders Harlands/CRS to back off and close your case, that's a RESULT !!

 

So well done and keep us posted of further contact.

 

:-)

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Hi Rowlocks,

 

Your complaint was way too long and verbose but who cares - if the gym orders Harlands/CRS to back off and close your case, that's a RESULT !!

 

So well done and keep us posted of further contact.

 

:-)

 

Slick and dx,

 

I absolutely agree way too verbose! I laughed the whole time I wrote it though.

 

Received this from gym as response to complaint e-mail:

 

Hi *name*,

 

Is important you know that from last Friday, Lifestyle Fitness Cardiff has been sold to a completely different gym company known as Riverside Leisure and therefore any emails regarding your situation across the University would be ineffective. We do not exist in Wales anymore.

 

We will however wipe all arrears and cancel down your membership.

 

Thank you.

**name** Club Manager

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Hi Rowlocks,

 

It doesn't matter about the gym's response and I assume you won't be complaining as threatened (because the fault was originally yours !!).

 

Let us know when Harlands/CRS confirm they are backing off.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

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                                            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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