Interest Charges

[dakuk12]

Hi Everyone, I'm New To The Site. I've Just Got My Summary Of Charges Going Back Six Yrs From Lloyds. What A Great Site.

 

 

Dakuk12

[Todge]

Hi, dak.

 

Get busy with the spreadsheet, and your prelim letter ("here's what you owe me, now give me it back.")

 

Good luck!

[PPMAN159]

Welcome to CAG

 

Please find your banks forum and start a thread;

(your name) V (banks name)

 

Other members with experience of your bank can offer informed advice.

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's

LINKS....

At a glance guide to claiming.....

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

Claiming beyond 6 yrs - important new information!!!

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.c o..../flashchat.php

Finally good Luck.

 

PPMAN

 

If this helps please tip the scales, Left.

[jeanne3li]

Hi,

 

I am new to this, so bear with me.

 

What do I do when my Gym does not respond to any emails about justifying their late payment charge?

 

Aaaaaaaaaaah

[PPMAN159]

Your Gym???

[jeanne3li]

I say my Gym in the sense that it is a Gym I was a member of

[PPMAN159]

What have they charged you and how much?

 

Sorry if I appear dim but I am used to dealing with bank queries!!!

[ukaviator]

Hi,

 

I am new to this, so bear with me.

 

What do I do when my Gym does not respond to any emails about justifying their late payment charge?

 

Aaaaaaaaaaah

 

 

The late payment charge is unlawful. You can claim it back. I would write to them from now on, as e mails go unanswered.

 

Uk

[jeanne3li]

Hey, that's ok.

 

They have charged me £40 for the late payment of my Gym membership (monthly £59.00). But the bigger picture is, I cancelled my membership in January/February, moved house. When I went back to where I used to live, I had three letters from them demanding payment.

 

I wrote to them to no avail. Then a debt collection agency contacted me and is now threatning to take me to court. I have had to pay 50% of the amount to stop them from doing this.

 

According to LA Fitness, because I can not provide them with a cancellation number and I was told I don't need to put it in writing, they won't acknowledge the cancellation. So, I don't have a leg to stand on because of that.

 

I just don't understand the £40 late payment - how does 3 letters amount to £40. Ontop of that, why the hell did they never call me. My mobile number has not changed for 5 years. Thats how the debt collection agency got hold of me.

 

Anyway, sorry this isn't really your field.

[PPMAN159]

Not a problem-I was just thrown for a minute.

 

You may well want to open a new thread (Jeanne v LA Fitness) in the General Consumer Issues thread as this may be more relevant for your situation.

 

Whichever way you seek to go,good luck.

[ukaviator]

Hey, that's ok.

 

They have charged me £40 for the late payment of my Gym membership (monthly £59.00). But the bigger picture is, I cancelled my membership in January/February, moved house. When I went back to where I used to live, I had three letters from them demanding payment.

 

I wrote to them to no avail. Then a debt collection agency contacted me and is now threatning to take me to court. I have had to pay 50% of the amount to stop them from doing this.

 

According to LA Fitness, because I can not provide them with a cancellation number and I was told I don't need to put it in writing, they won't acknowledge the cancellation. So, I don't have a leg to stand on because of that.

 

I just don't understand the £40 late payment - how does 3 letters amount to £40. Ontop of that, why the hell did they never call me. My mobile number has not changed for 5 years. Thats how the debt collection agency got hold of me.

 

Anyway, sorry this isn't really your field.

 

It's ok. The charges are unlawful at that amount. They can only charge the amount it has cost them, which is written into English law. I would write to LA Fitness and tell them that the charges will be vigarously defended and a full refund be given.

[dakuk12]

thanks guys

[jeanne3li]

Thanks, I am just finishing my letter to both companies now.

 

 

Will keep you posted to the outcome.