Ok thanks. I’m currently receiving 3-4 text messages per week from zinc. Haven’t answered anyone regarding it since dealing with the manager at the gym.

I've asked for the request to escalated. I'm expecting a call back........ Shall I write a letter to Harland asking for a refund of the £25 admin fee? Stating they may keep the £9.99 as full and final settlement? this was made 25/7/7 after I manually cancelled the DD 7/7/17 as it was still showing active. thanks yes they said as it wasn't a DD it couldn't be done when I insisted it was my legal right for it to be done he said they were only able to do a charge back if done on the same day the payment was made and before 6:30pm. I was supposed to get a call back before 1.30 and I've heard nothing. I've contacted them again and been told as previous, it can not be done. Do I do as post 17 (I think) write off £34.99 which equates to 2.5 months off fees? and write detailing this? or do I write asking for a refund of the £25 stating that the 9.99 is the fee after my cancellation of DD? been reading so many threads!!! I get so many messages and letters from their tribe! I'm currently up to Zinc and their cronies, haven't replied to any letters, emails or text whatsoever.

currently on hold at bank again!!! They're adamant that a chargeback cannot be done? Joshua, the guy on the phone, is telling me it has to be done on the same day and before 6.30pm. He's the second person to say not help as Krystal just cut me off!!!! They've advised me to contact harlands and ask for a refund. Got a feeling they won't be ready to issue a refund. Next move? for reference, I bank with Barclays

Hi it was card payment over the phone for £34.99 which was a monthly fee and default charges, allegedly. Cheers

No bending anywhere

ok I contacted bank via live chat before Christmas, however the assistant wasn't too knowledgeable and since then id planned to look for a template and post a letter to the bank, then Christmas loomed and to be honest id completely forgotten about it till now. Is there a template letter I could use please? Thanks in advance, again

Do I simply ignore? or should I now write letters to gym, harlands and zinc stating I owe nothing as fulfilled agreement and paid £34.99 in July 2017 thanks again

debt collectors, to be fair the only reason I know this is because of this site. Thanks

Hi all, UPDATE: received text from Zinc, 5/1/18, with a link with letter attached. Clicked on letter but have to input details such as date of birth etc, never bothered so no idea what the letter said. Out of interest do these clowns have a leg to stand on? Thanks again PRIOR TO CONTACT FROM ZINC I'VE HAD SEVERAL OFFERS IN WRITING OF REDUCING THE DEBT

Hi Slick, Thanks for your help. I think I'd rather leave £34.99 I've paid, if they'll just leave me alone! I'm just confused as to how they can say I owe more when I paid what they asked! I've received letters, phone calls, emails with letter attached etc etc. I've ignored them all; however I'm unsure as to whether I should write explaining I've already complied with their demands by paying £34.99 which covers 2.5 months of gym membership fees after the DD cancellation form? Thanks again

Hi dx, I have no proof or definite date I originally completed online cancellation form. They say they have no record of it so going off that I cancelled my DD 7/7 to which I received default notice which I paid £34.99. Is that a £10 membership fee plus admin therefore I have paid a payment after cancellation? I was told the £34.99 would clear it and enable me to complete cancellation form online again. I'm now receiving threatening demands for over £171. Thanks in advance

Hi Slick, thanks for coming back to me. I have not made another payment since the £34.99 on 25/7/17. I cancelled my DD 7/7/17 as per the advice from the gym. I was then issued with default notice. I was advised to pay £34.99 and recomplete form which I did. Do I now need to pay more? I thought £34.99 was the default charge and final month payment? I've had numerous letters and phone calls, all of which I've ignored, the latest letter being sent via email with court and CCJ threats. Is there a template I can send advising that I've already paid the £34.99? should I have paid more after this payment? thanks in advance for any advice/help its greatly appreciated

Is there any update on this at all?

Hi Slick, thank for the response. I don't remember the date I originally cancelled online membership, I didn't keep a note of it. I noticed the DD was still showing as active in my bank I rang and explained to the girl Id completed canc form but that DD was still showing active. She advised me to cancel DD myself to ensure it was cancelled. /The DD was cancelled 7/7/17. I was then issued with default letters etc. Asking me to pay Harlands 34.99. I was told by the manager that once that was paid I could recomplete the cancellation form and it would all be sorted. Then the rest is as I've detailed above. Further to the above I received a letter yesterday from CRS. This said I was in default etc and I need to pay £171 - this is approx. as I don't have the letter in front of me. Given that I've paid the £34.99 they requested am I correct in assuming I'm doing the right thing completely ignoring anything to do with this now? Is there a letter a I need to send? Thanks

thanks so much for the advice, I'll keep you posted.

great thanks. Do I need to write to them informing them or anything? Or just ignore everything now?

thanks dx. I already paid 35. It left my account 25/7/17 but theyre now asking for another 70? do I still need to offer another 35? thanks

Hi all, I joined xercise4less in May 2015 I think. I can't remember the last time I used the gym. I thought I completed an online cancellation form some time in May or June this year, however it appears there is no record of it. when I realised the DD was not cancelled from my bank account I rang the gym and spoke to a young girl (she sounded young and I foolishly never asked her name) who advised me to cancel the DD from my end too to 'make sure'. I receive a letter from harlands asking for £34.99, the missed month and an admin fee. I speaks to the manager who advising me to ring harlands, pay the £34.99, recomplete the cancellation form (as no record of it) and all is sorted. anything for a quiet life, I done it. I have now received another letter from harlands asking for £70. It seems as I've not paid the monthly fees I now owe another 2 months fees plus an extra £50. I tried contacting the guy who advised me (manager) who is now no longer the manager and I'm now dealing with the current manager. Who is saying that my DD is cancelled! which obviously I'm aware as I cancelled it. He also tried to tell me there was no record of the second cancellation form but luckily I'd kept a copy of it this time. I can't prove the original form or the telephone call with the girl but I can obviously prove the payment to harlands (made 24/7 and left my account 25/7/17) and the copy of canc form 24/7/17. He gave me an email address to contact, which I did, it was the same guy who replied? He has now given a number for 'membership support' which is the same number as when I called and paid harlands. I'm hoping someone can give me some advice as to where I stand legally. I was told that paying the 34.99 settled the account and the completion of the form again would sort. I'm assuming that when I paid the £34.99 they should have re set the DD up and taken one more payment? but it appears they did not do this and this is probably what's causing the issue? Thanks in advance for any advice you can give.

Hi, just wondering how you're getting on with this? I'm currently having a bit of a nightmare with it. https://www.consumeractiongroup.co.uk/forum/showthread.php?481432-xercise4less-harlands

Thanks so much for your help.

To which security qu's are you referring slick? Do you mean if they knock on my door? Are they likely to knock on my door? Thanks

Thanks guys I don't ever get chased for this debt. I just noticed the default on my credit file. I was never told this had been enforced either. It's already been there a few years now, not really a problem as not ,owing house or wanting credit

Hi all, What with one thing and another, inc Xmas and a broken printer I stil haven't managed to send an sar or the bank yet!! I have today received a letter from scotcall saying I need to pay in 7 days or ill receive a home visit. Does anyone have any experience of this scotcall pls? Thanks

Thanks didn't even know that was possible!

Will the default come off my record after so long? Or does it stay there? When they have wrote telling me they cannot locate an agreement can they sell the debt on? Thanks