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CynicalSparrow

One on One Fitness cancellation (DFC)

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Hi guys,

 

I've been doing some general reading of the forum and have become aware of the lack of legal powers DCA's possess and that fact that there hasn't been a court case in a long time, however, I would appreciate your advice on my particular situation.

 

I joined a gym (One on One Fitness) on the 17/4/18 so the minimum period (12 months) is up soon.

 

The issue I'm struggling with, however, is that I signed up on a promotional rate which required a 36 month term. This is explained to be separate from the minimum 12 months but it is stated that if the membership is cancelled then I'll be required to pay the difference between the promotion and normal prices.

 

For example, the promotion was £12 a month instead of £24. In the minimum period I would have paid £144 but cancelling would incur a charge of another £144 to make it up to the non promotional price.

 

This seems completely non sensical to me but I'm not 100% sure of how this works as its the first time I've come across something like this.

 

The company handling the membership fee's is Debit Finance Collections plc (DFC) which I have seen being mentioned with increasing frequency around here lately.

 

If there's anything Ive forgotten to add, please ask and I'll clarify. I'm somewhat prone to anxiety and stress so I'm hoping to put this behind me as quickly as possible so that I can get on with things with one less thing on my mind.

 

Thanks.

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Doesnt matter simply let one payment be taken after you tell the gym in writing you are cancelling

when that is taken close the DD


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Thanks for the reply.

 

As far as writing a letter, anything I need to include? 

 

Or is it just a case of “I’m cancelling after the next payment, I’m letting you know as a courtesy”, something to that effect?

 

Sorry for the questions but I’ve not done this before, obviously. 

 

Thanks. 

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no that's not what I said

read it carefully again..

 

 

 

 


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

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

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4. The CAG Interest Tutorial Read Here

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So just tell them I’m cancelling and leave out the “after the next payment” then? 

 

Then when it’s taken later this month, simply cancel the DD? 

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yes and why do you do it that way around?

 

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!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Basic etiquette I assume? 

 

Or is there a legal reason? 

 

I appreciate your advice so far by the way, I’m drafting the letter as we speak. 

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I thought you'd said you'd read a good few threads??🤣

 

yes std practice is you must give 30days notice, so in that time an additional DD will obv be owed and should be paid.

THEN cancel the DD when that has happened

 

and as far as I know that is the end of it and you can ignore everyone,

 

theres an ashbourne case hear I think slick132 quotes whereby these 36mth contract were to all intend and purpose deemed unlawful or whatever,

 

 


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Hi C Sparrow and welcome to CAG

 

We have seen cases about DFC recently, but the principles have been the same for many years.

 

We maintain any m/ship agreement over 12 months is unfair to the consumer and can be contested. The OFT gained a ruling about this is 2011 against AMSL - 

 

 

Tell the gym NOW by letter that you intend to leave as soon as the 12th monthly payment is made to them. After that payment is taken by DD, cancel the DD mandate via your bank.

 

Read this guide first - 

 

 

The letter to the gym can be v simple :-

 

Dear sir or madam,

 

I will allow the 12th payment to be paid by my bank. I will then cancel my DD mandate and this is my notice to end my gym membership.

 

I will not honour a gym agreement in excess of 12 months after the High Court ruling in the case of The OFT -v- Ashbourne Mgt Services Ltd in 2011.

 

Yours faithfully,

 

Don't get involved in any further comm'ns with the gym or DFC until you report back.

 

😎


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Really appreciate this pal, much thanks.

 

I’ll report back regarding the response.

 

Cheers! 😁

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Update:

 

Gym phoned me about 20 mins ago (had to answer as I didn't recognise the number, was from a mobile) saying they'd received my letter and were trying to give me a number to call (I assume the debt company) saying that I could simply tell them to cancel the membership since it's over 12 months and they'll do it now. 

 

I just told the guy what I said in the letter and nothing more as I have a feeling if I cancel through them they'll try to make me pay the other half of the membership fee due to my promotional rate.

 

Guy on the phone seemed to think my contract was for 12 months and canceling it was fine, whereas the actual contract says 3 years.

 

They actually used another company to do the recruiting in the promo period and they handled all the drawing up of contracts and such as the gym was just getting off the ground. Don't know if that's standard practice or if that info is useful but there we go.

 

I'm still going to wait until the payment on the 25th and then cancel the DD mandate.

 

I assume cease all non written (letter) contact from now then?

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correct!!


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Hi CS,

 

It's normal for a Promo Co to deal with sign-ups on behalf of a gym but the Promo Co won't give a hoot about how they get folk to sign. They may tell you anything to get you to join, whether it's true or not. They don't care about what trouble this lands you in.

 

If you're called again by anyone about this matter, tell them, "In writing only." then hang up !! Discuss nothing by phone and keep everything in writing.

 

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