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    • Hi, There is quite a lot regarding my current issues, I shall try be as clear and concise as possible. Dec 2008 - unemployed, applied for £250 credit card from Capital One. Jan 2009 - accepted for £1000. Credit card maxed in a matter of days mainly on gambling and drugs. Called after 5 months activation to remind them I was unemployed and the card was unaffordable. Some sort of payment plan arranged which was rarely upheld by myself, sporadic minimal payments. 2010 - credit limit raised to £1600 without my request. Again all spent on gambling and drugs. Vast proportion of spends on statement show gambling sites. Repayments often withdrawals direct from said gambling sites. 2013 - Mother pays off £1400, notes state student, zero income, unaffordable, mother cut up card. Me and my mother ask for account to be closed but this does not show in notes. Called back once to query any PPI. 8 months later promotional material sent to my door advising account has been upgraded, cashback offer, etc. I ticked the box and sent the form back. Requested new 'lost' card. Again spent completely on gambling £1600+. Many payday loans taken out to try pay back. StepChange charity seeked by myself and was paying them back. Had to cancel this repayment plan as I was again unemployed and it was unaffordable. Debt being chased by Apex. Debt returned to Capital One, they send a letter advising it is with them unless notified otherwise. 2016 - Debt sold to Cabot without notification. Apparently Cabot sent a Capital One headed letter through a third party printing company, which was not received. Oct 2016 - Dispute letter sent to Cabot. 2018 - CCJ issued. Call Capital One to request my application form as I was sure I was unemployed and thought I may need evidence for Court. Incorrect documents sent 7 times, speak to manager who suggests sending SAR and raised a complaint for me. Can't believe contents of SAR, various other complaints raised, investigated and rejected by Capital One. Clear written permission to take to Financial Ombudsman. March 2019 - Court, threatened with prison or full in AoE form. Form filled in. £50 a month taken from wages by Morgan Clarke. Disputes raised with Cabot, AoE eventually suspended. Query dispute letter with no response for over 2 years, CCJ is now offered to be removed but they intend to keep the AoE money and offer me minimal compensation. Now major issues with FOS. As some of the complaints relate to over 6 years ago, state they will not investigate, although Capital One have given consent for this, FOs believe this is not consent but a referral. Account balance stands at £1700+ although the value of account minus interest and other (some now illegal) charges, I work out £4.31. No fixed address, they have my mother's where I do stay sometimes, mainly stay at friends, sofa surf, etc. Lots more issues and lots of evidence. Don't know where to turn.  
    • Is there an angle regarding the Consumer Rights Act 2015 ("CRA")? Assuming it might be unfair for Royal Mail to hide behind not entering into a contract for the purpose of limiting their liability.   From 1 October 2015, the CRA covers all aspects of unfair terms in business-to-consumer contracts which had previously been covered by UCTA and the Unfair Terms in Consumer Contracts Regulations 1999.  It deals with implied terms in relation to the quality of goods and services, including digital content, and regulates attempts on the part of a trader to exclude its liability for breach.  The CRA also introduced a "fairness" test.  Any term which causes "a significant imbalance" in the parties' respective positions, to the detriment of the consumer and in a way which is contrary to the requirement of good faith, will be regarded as "unfair".   A term that is "unfair" is not binding on the consumer, and the consumer can treat it as struck out of the contract. The remainder of the contract will stand if it is capable of doing so according to the usual principles of severability.
    • scan or keep everything they have  6yrs. do not move without informing them.    
    • Just an update.. Final Payment was due 19.11.2019. Its now 18 days since then and no letters or mails. Not sure if they have given up or are spending time thinking on other ways to threaten... Thanks for following this and I hope it helps anyone else facing the same issues..   Rgds Tom
    • I did notice it wasn’t from the actual Solictors who sent the pap form
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TheLukos

Lifestyle/Gymgroup cancellation nightmare!

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Good morning, first of all this is the first time i’ve Used a forum so pardon my ignorance.

 

I was a member at lifestyle fitness on Hagley road, Birmingham. I paid for a 12 months membership and only went twice. I cancelled my membership and received a “Sorry you’re leaving” email.

 

Maybe a year later I rejoined. The building having changed Hands to “TheGymGroup”.

 

I was paying by the month and I was using the gym. I got really fed up with the gym and the lack of equipment

 

. I quit my membership through the members app.

Again I received a “Sorry you’re leaving” email. That was maybe 4 months ago.

 

My lifestyle membership i think ended sometime in 2016.

 

I realised to my Horror last week that the Gymgroup are still taking my £18.99 a month!

 

I have contacted them and they said because I no longer have the email, there is nothing they can do.

 

To make matters worse, she said that my lifestyle membership was still running!

 

Now i’m Terrified that they have also been charging me for 2 years without me realising!

 

I don’t even know how to contact lifestyle as they no longer run the gym

 

. I have now cancelled my direct debits, which I will do in the future. I feel such an idiot. I just trusted the companies were professional!

 

I feel so upset and totally powerless. It’s such a mess and I don’t know what to do

Edited by Andyorch
Paras

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Go get them back from your bank under the dd guarantee scheme


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok good advice. I’ll visit the bank tomorrow and give it a try!

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No do it by their phone banking line

Tell them they have never sent notification each month as requir


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi TL and welcome to CAG

 

First off, please read the following guide about cancelling your m/ship properly - https://www.consumeractiongroup.co.uk/forum/showthread.php?452671-Cancelling-your-Gym-Agreement-Get-it-right-!(1-Viewing)-nbsp

 

You shouldn't simply cancel the DD without first checking what you've signed up to, and what notice you need to give.

 

Check with your bank first to see if :-

 

1. The more recent m/ship with the Gym Group is still being paid by DD. You should reclaim all DD's paid EXCEPT 1 for the month you failed to give notice to cancel. So if you quit, for instance, using the gym's App on 1st Feb, reclaim all DD's paid after the next DD was paid, ie all DD's from 1st March onwards.

 

2. The Lifestyle DD's were being paid despite you having cancelled. If so, again reclaim all DD's paid from 30 days after you gave notice to quit.

 

The bank may argue or question your request but it is NOT for them to argue with you about this- they're obliged to refund what you request but just make sure you ONLY reclaim what you're entitled to.

 

Let us know what you find has been paid before contacting Harlands further. Don't contact the gym either for now.

 

:-)


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Thank you. My only concern is I don’t know exactly when I cancelled either membership. I guess all I can do is take an educated guess

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Use whatever you can to guess as accurately as possible.

 

Just be as fair and reasonable as you can and let us know what you think has been paid and when you think the m/ships were cancelled.

 

:-)


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I have called Barclays and asked for my Direct Debit refund.

They have apparently refunded the money and logged a claim.

 

He did say however that if the claim is disputed and they call me for more information, they may need evidence to prove the cancellation of my gym membership.

 

I do not have the cancellation emails anymore. I’ve done everything I can think of to try and retrieve them.

 

I’ll keep you updated.

 

Thanks again for the support, it means so much!

Edited by dx100uk
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Hi TL,

 

The claim will almost certainly be disputed but Harlands will usually just write threatening letters to you telling you they needed paying back.

 

You should not be compromised (with the bank) for not having proof of the cancellation as long as your dates leading to the refunds are reasonable.

 

:-)


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Ok i’ll Do my best. Best thing i’ve Don’t is finding this forum!

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I have received a letter from Harlands group today.

 

They said they have received an indemnity claim from my bank to refund the sum of £139.93.

I was under a membership agreement and they received no notice to cancel my agreement.

 

The agreement also states that such payments are non-refundable and ask that I request my bank to withdraw it’s claim immediately.

 

Should I not withdraw the claim and rectify this breach of my agreement within 14 working day I will incur a £25 admin charge and the matter with be referred to a debt recovery company to pursue the full amount and cost incurred.

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tough ignore them!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Are you sure? Bit worried now!

Then again I can’t prove that I cancelled the membership, but they can’t orove that I didn’t!

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Worried about what??

Get reading other threads

Cant see youve read any..unless done when not logged in


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just about this £25 charge they’re threatening me with and debt collectors.

I’ll have a look at the other threads too. Thanks

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Dca's are NOT BAILIFFS

And have ZERO legal powers

 

The charges are a PENALTY and are unlawful


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok I’ll stand firm.

Many thanks!

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Hi TL,

 

Their current threats are no different to their previous ones - desperate please to get money from you as per my post #9 above.

 

Ignore their letter!

 

Keep us posted and let us know if the bank writes to you any further about your reclaiming your money.

 

:-)


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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I will do. I really appreciate this

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Hi all, today I have received an email from “Credit resolution services”.

It states they have been employed by Lifestyle Fitness so another £66.50 has been added to my account balance which now stands at £231.43.

They want me to call and discuss payments. I’m not well and these people are causing so my stress i’m Considering paying the money so they leave me alone. It’s just so much money! I wish they was a method of retrieving old emails so I could prove to these people that I cancelled the memberships

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well don't!!

 

block and bounce their emails

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Really? I’m not compounding the problem?

I don’t want some bailiff showing up at my house trying to take my tv

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bailiff...where the hell did you get that idea from?

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I wish they was a method of retrieving old emails so I could prove to these people that I cancelled the memberships

 

 

 

 

 

 

Where are your old emails?


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