JD Gyms Direct Debit

[PeterParker121]

Morning all, 

 

Hope this is the right place to post this. We were members of JD gyms for 2 years, in September we moved and i emailed them to say i wish to cancel, they "auto confirmed" receipt of my email and said it was being dealt with, 14 working days later they said they needed more information to cancel my memberships (I pay for my wifes too). I never saw the email as it went to junk. 

Fast forward to yesterday and i noticed the DD was still being taken, £40 in October and another £40 yesterday, so i called JD to inform them and explained i havent even used the gym in months and they said it doesn't matter as my initial email contained insufficient information to identify my membership and as i didn't reply in October they can continue to take money from my account. In addition, they don't make it easy to cancel as it can only be done online and it takes 14 days to get a response. 

Im guessing i have to chalk this up to experience but is it possible to ask the bank to reverse the previous DDs and let JD come after for it, or am I in the wrong now? 

 

Thank you 

[Nicky Boy]

Yep, get your DD's back.

Info...

https://www.accesspaysuite.com/blog/what-is-the-direct-debit-guarantee/#:~:text=If an error is made,your bank or building society.&text=You can cancel a Direct,your bank or building society.

https://www.directdebit.co.uk/direct-debit-explained/direct-debit-guarantee/

then leave them to chase you for it.

You did your bit cancelling they're just trying it on.

 

Oh, and don't forget to cancel the DD!

[PeterParker121]

Thanks Nicky, they emailed me just now to say 

"Whilst I understand any frustration you have, we require a specific amount of information which is a members responsibility to provide upon submitting a query via the online form. This is so we can pass your request through GDPR and also to locate the correct membership. 

In the query which you created, we did not have the sufficient/correct information to locate and verify your membership. We also had minimal information for the second membership you wished to cancel. Therefore, we responded to you to request further information to help us locate your membership and action your request. As we received no response, we were unable to action the request. 

 

I understand you may not have accessed the gym during this time. Unfortunately, as per our Terms and Conditions which were agreed to upon the sign-up of your membership that state: "We will continue to debit all Monthly Fees even if you do not attend the Branch." we are unable to refund your membership for the reason that you have not used the facilities."

If i request a refund for the DDs, i just want to make sure any further action wouldn't effect my credit rating, particularly as for my job i have to be squeaky clean? Secondly would i be able to request a refund for October and November? Or just November

Thanks again for your time, really appreciated 

 

 

Edited November 15, 2023 by PeterParker121

[dx100uk]

get all the dd's back but allow them one payment after you told them to cancel

sadly its down to you to cancel the dd.

go do a dd guarantee clawback to your bank.

if anyone chases you ignore them

gym debts dont appear on credit files and any dca sent to chase you are not bailiffs and never can be on any debt...they are powerless!

 

dx 

[Nicky Boy]

21 minutes ago, PeterParker121 said:

If i request a refund for the DDs, i just want to make sure any further action wouldn't effect my credit rating, particularly as for my job i have to be squeaky clean?

Any "Further action" could only be a court claim and I believe on CAG, there have only ever been one or two claims threatened, but never followed up. (Mainly because they know they'd lose).

A CCJ (sounds frightening doesn't it?) is only issued for people who defy court orders to pay money...

IF IF IF it ever got to court (highly unlikely), you would need to lose (highly unlikely) and then defy the court by not paying (which obviously, you wouldn't). Only then would you get a CCJ, which would obviously affect your credit.

A CCJ would never affect employment. It is NOT a criminal record, so wouldn't show up on checks.

 

Sorry, crossposted with dx, but you get the general idea...

[slick132]

Hi PP,

Did you give them enough info to identify you and your wife? 

In any event, reclaim the DD's via your bank as suggested allowing for one last payment to the gym after you gave notice. So if you gave notice to quit in September, they should have the October payment but reclaim the November fee via your bank.

Also, make sure you give the gym your new address so you know what they're up to.

[dx100uk]

On 15/11/2023 at 11:55, Nicky Boy said:

A CCJ would never affect employment. It is NOT a criminal record, so wouldn't show up on checks.

that's not entirely true, if you work in the financial industry or for some gov't agencies a CCJ is a death sentence to your job and must be declared even if their checks like DBS enhanced DBS wont show them.

however, since the infamous ashbourne case NO gyms have done court for low level low £'s 'fake debts'.

there are 2 cases here at present whereby David LLoyd via Moriarty law HAVE issue court claims for sums close to £1000 in back supposed membership, though i believe neither has progressed since defence filing and are close if not already stayed.

dx