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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • 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..        
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boulley

Cancelling Sweat Union gym membership (catch-22)

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Hi all,

 

Looking for some advice - I've been reading through and there's lot of great advice here on the forum and I've kind of used some already but messed up in places to give the gym more than I should - so here's the story.

 

My wife and I are a member of the Sweat Union gym in Chelmsford, we are both on rolling monthly contracts. On 22nd August 2018 we both sent them an email saying we would like to cancel our memberships and she subsequently cancelled the DD (2 x 21.99 as she paid for both of ours).

 

We were then informed the next day that you had to cancel prior to the 15th of the month so we would have the pay the September gym fees. We were willing to pay and she called them to say the DD has been cancelled and they said this means we would need to pay the £21.99 for Sept and both incur a £15 admin fee because of the DD. She called the bank to try and reinstate it but they said Sweat would have to do it and they didn't seem willing.

 

The payment wasn't due until the 31/08 so we emailed and said we'll pay the outstanding £21.99 each but don't agree with the fee, the email was ignored. I ended up looking at my account on the site and could see the balance due (£21.99) and the option to pay online so we went ahead and both paid the September balance on the 29th August (before the due date).

 

I then emailed Sweat to say the balance was paid prior to the deadline and I assume this clears the matter, that the admin fee will be removed and that we can still use the gym through Sept as we are paid up. They emailed back to say no, we have to pay the £15 fee each, we cannot use the gym unless this is paid and on top of this, we cannot cancel our memberships with outstanding arrears on our accounts.

 

Now this is really galling - I know £15 is not a lot but I don't want to pay it out of principal. The gym have acknowledged we would like to cancel but refuse to let us do so without paying the £15 fee. They say that if we don't pay the £15 our accounts will be passed onto a third party finance agency.

 

Reading other threads, it seems like they don't have any legal right for the £15 fee Should I do anything else at this point or just ignore going forward?

 

Any advice is greatly appreciated.

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You don't have to pay the admin fees. They can be considered unlawful penalty charges. Read the forums again. Plenty of other threads identical to yours


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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Thanks - didn't know if I should send a final cancellation letter or anything or can take the fact they have responded to my cancellation email as confirmation that they have received it. If the latter then I will just ignore them from now on.

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You can send the letter and the final months membership. But you don't pay those charges


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 Boulley and welcome to CAG

 

You gave notice to cancel a monthly rolling agreement and (eventually) paid the final month's fee that was due for the notice period. Nothing more you need to do in my opinion.

 

Is it the gym or an admin company that's looking for fees ?

 

In any event, I suggest you make no responses at all to demands and ignore for now.

 

:-)


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Hi slick,

 

Thanks - it's just the gym asking for the fees and saying if we don't pay them, they won't accept cancellation and will eventually pass it on to a finance agency.

 

Just as an aside, if they pass your details onto a 3rd party, unless that third party has a legal grounds, could they be going against GDPR legislation?

 

Cheers

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Hi Boulley,

 

I really don't think there's a valid GDPR angle you can use to your advantage.

 

Although you may have a theoretical complaint, I doubt it'll help your case with this gym.

 

Far better to tell the gym (in writing) that you paid all that you owed and, if they pass this on to a DCA, the gym will be held jointly responsible in any action that you take to stop being harassed.

 

:-)

Edited by slick132
typo

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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Thanks, will do :-)

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