Hi there, Bought a car from Car Craft last week and very disappointed with the service. Extended warranty sold under false pretenses and the service light is showing on the car, which likely also needs a new cambelt. We have now applied to cancel the guarantee and so the finance agreement will need to be reformulated. As far as I am aware, we have no obligation to sign this new agreement and should be able to return the car to you instead. Please advise if this is incorrect. Thanks Laura

I'm currently not sure how to proceed with this, I have sent one email and they have responded but pretty much ignored what I said. Before i purchased the membership i was told there would no cancellation fee if i had to cancel the contract due to relocation for work. I admit my mistake was that i didn't get this in writing so I'm not sure if i have a leg to stand on when it's their word against mine. Here's the email i sent on 28/02/14: "Dear Sir or Madam Cancellation of gym membership. Member ID: xxxxxxxx I wish to cancel my gym membership with Total Fitness due to having to relocate because my employer has changed my location of employment (active from 31/03/14). My new employment location (Slough) does not have a Total Fitness gym nearby, therefore I will not be able to continue to use your facilities anymore. Before I signed up to the gym (in November 2013) I asked the sales person (Name of sales person) if there was a cancellation fee should I have to cancel due to relocation because of work and he informed that there would be no fee required should I have to cancel for the reason stated above as long as I can provide proof. I recently tried to cancel my membership at both the local gym (in Lincoln) and at head office but was told I would have to pay a £100 admin fee even though I provided them with the appropriate documentation from my employer as verification. It must be noted that I wouldn’t have signed up to the gym if I had been told about this fee (and I asked specifically about it), I feel I have been miss sold the membership and therefore believe that I should not be required to pay this fee. In addition to this here is an excerpt from the OFT Guidance on unfair terms in health and fitness club agreements which is relevant to my circumstance (with sections in bold being particularly relevant). ‘5 Financial penalties on members Paragraph 1 of Schedule 2 states that terms may be unfair if they have the object or effect of: (e): requiring any consumer who fails to fulfil his obligation to pay a disproportionately high sum in compensation. Other factors affecting unfairness 5.4 Many factors influence the fairness of terms that require full payment of the subscription from the member who cancels early. For example, does it reflect the supplier’s reasonable losses in such circumstances, were other membership options available to members, was the term clear and prominent, was the member misled, and what is the effect of other terms in the contract? Some of these factors may be relevant only to individual disputes, in cases where a term that is generally fair may nevertheless be unfair in a particular case in light of the actual circumstances. Sections 2, 4, and 18 of this guidance are also relevant, together with the discussion of Minimum Membership Periods in Part III. Circumstances beyond a member’s control 5.5 The fairest terms allow members to transfer their membership or to cancel the contract without penalty if the member, for example, has to relocate, or has suffered redundancy, or has a medical condition that prevents his use of the gym. Such terms take positive account of the interests of the member.’ I hope that we can come to a fair solution to this matter as I feel I should not have to pay this admin fee for cancellation however I am willing to compromise if the offer is reasonable. I would also like to add that my experience using the gym has been very positive and I hope my final opinion of the gym will continue to be a positive one. I look forward to hearing from you and appreciate your help with this matter. Yours faithfully" And here is their response on 5/03/14: "Re: Total fitness membership number: xxxxxxxx Thank you for providing documentation confirming your relocation to an area where there is no Total fitness centres. Unfortunately total fitness cannot be held responsible for a change in member’s circumstances and memberships cannot be cancelled in the first year as per the terms and conditions of the signed twelve-month membership agreement. Relocation is not an unusual circumstance and is therefore not a valid reason to cancel your membership. However as a compromise we are willing to allow you to terminate your contract with us, waiving the remaining balance of £280.00 upon receipt a £100.00 cancellation fee. Therefore, please forward a cheque for £100.00 payable to Total fitness 2010 LTD to the address below. Alternatively you may contact us on 01614402680 to make the above payment using your credit/debit card. Thank you for your co-operation in this matter. Yours sincerely" Any help on what I should (and can) do next would be much appreciated

Hi, please be gentle with me, if I am asking stupid questions. I had an accident in May 2013, which resulted in my having to cease payments for some time with MBNA, they put me on 0% for the time, I then started to make payments as agreed and remain on 0% due to ill health I noted that they sent me a letter stating PPC had been cancelled dated after my accident, I didn't even know I had it, but started asking for further information, they initially said they could't tell me the date months and months of going backwards and forwards, they have sent me all the communications associated with my account. the PPC was cancelled on the 30/12/04 last payment taken 22/12/04 I have looked at the system sheets for that date, no mention of a cancellation there are no more PPC payments taken though after 22/12/04 Surely they can't just cancel it and have no evidence? also the forms you sign to say you agree to T&C when taking out the Credit Card, (2003), is it a tick box to say I decline or a tick box to say I accept PPC? Does anyone have a form for this year and could tell me it would be helpful. Can MBNA just cancel this with no proof, why would they write to me after my accident in May 2013 to say it was cancelled if it was cancelled in December 2004? I am so confused did i sign up for PPC, the wording on the T& C is all blurred , I have asked them the question, but they have not answered that particular question thanks in advance

As I was allowed to leave EE mid contract as they had increased their prices I requested a MAC code. I submitted this to Sky on the 1st March 2014. A few days later I received a letter from EE dated 5th March confirming my MAC code had been submitted and if this was correct then do nothing and my services would transfer on the 17th March 2014. My service transferred no problem. I called EE to find out when my final bill would be produced and was advised 12th April as I would be due a partial credit but I would be billed until the 1at April. I asked why as my service had disconnected on the 17th march but was told they required 14 days notice from the day Sky told them my service had transferred I'm paying for 14 days after my service with EE ended. EE knew I was leaving as they wrote to me dated 5th March so why not take the 14 days from that date. Should I pay for 14 days after my service ended.

Hello, We have been allocated a housing association flat where tenants have to move in within a week of being advised of vacancy. In late February we were told that we would be moving in around 22 March so we gave our private landlord the required 28-days cancellation notice. However, today we learned that the construction works at the HA flat, which is in a newly built development, are severely delayed and the property will not be ready before May or even June. Is there a provision in the law that a rent cancellation notice can be cancelled, or it only depends on the goodwill of the landlord? The landlord has already found a next tenant for our flat and taken a deposit. We really don't want to end up on the street. Many thanks, k.

Me and the missus bought a new car last week. The old car was insured through quotemehappy and they also offered the best deal for insuring the new car. The old policy had around 6 weeks left, but when I went to cancel it, they want to charge me a 53 pound 'cancellation fee'. Seems rather stingy since we're keeping our custom with them. It'll actually be cheaper to just let the policy expire in 6 weeks than cancel it. Is a cancellation fee common practice? Anything I can do about it?

On the 7th of February, I called my car insurance company One Quote to cancel my car insurance policy. I was told that I had passed the 14 days grace period and I would need to pay an addition 120 pounds for the cancellation. I was so shocked because they had just taken out 60 pound for the month of February. I requested a breakdown of the cancellation fee. I was shocked again to hear that I would have to pay for administration fees, cancellation fees to One Quote and another cancellation fee to the insurance company. I know I am being ripped off. Can someone advice please. One Quote has threatened to take me to a debt collection agency

Hi there I have recently cancelled a property insurance policy and have now received a letter saying that there is a balance outstanding. I don't understand why this is as the premiums were paid monthly by Direct Debit so I can't see how there is anything to pay. They have written and said : "The cancellation amount from, the finance company, for your monthly payments is £155.15. The refund from Gresham Underwriting Ltd, the insurer is £107.59. Therefore that leaves a shortfall of £47.56 which you are required to pay for the insurance. Please can you contact me to make this payment". There seems to be a lot of companies involved in this one little policy. I presume I am missing something here but if anyone can shed some light I would appreciate it. Many thanks

Hi, I've had a read through the forum on here but couldn't see anything quite the same as my wee problem. So I joined a local martial arts club a year ago and no longer wish to attend. I was surprised to be then told by the instructor that I had committed to a 24 month contract that I couldn't cancel. At no point has he ever mentioned this to me before. He has since sent me a copy of the contract (below) which states I can't cancel except for reasons such as relocation, injury or unemployment. None of which apply - I just no longer wish to attend. I feel somewhat conned in this as I was unaware that I was tied to a 24 month period and also he had agreed with me that I didn't have to pay monthly fees by direct debit and could instead pay up front for several months at a time - with a discount. This again gave me the impression I wasn't tied to a certain period. Any advice on where I could take this would be welcome. Am I truly tied to paying this or is the fact that he has misled me and kept this hidden in small print of any value? [ATTACH=CONFIG]49451[/ATTACH]

I r'cd a letter today to inform me that my student loan has been sold to Erudio, I did not know about the sale of these loans until today. After doing some research online I have discovered for loans taken out before 1998 (which mine was) that under certain circumstances they may cancel my liability to repay my loan. http://www.studentloanrepayment.co.uk/portal/page?_pageid=93,3867066&_dad=portal&_schema=PORTAL For example, your loan may be cancelled if: You were under the age of 40 when your last agreement for a student loan was made and you reach the age of 50. As of this month this now applies to me. I intend to phone the SLC tomorrow but have no idea if I have any grounds for requesting this as it appears the loan has already been sold? Although the letter from SLC states that my loan accounts will be transferred to Erudio on 14th March 2014? any advice welcome - especially re my telephone conversation with them tomorrow (if I can get through).

Hello, I'm having an issue cancelling my DW gym membership early. I joined about a month ago. When I signed up my partner was job-hunting out of the area, so I knew there was a chance we might need to relocate to London. When I joined I checked and the staff there confirmed that although it's a 14 month contract with a 6 month break clause, there is an exception if you relocate to a place where there is no DW gym within 10 miles. There are no DW gyms in London. I checked this out in the contract before I signed it, and it was there. So, my partner got a job and we need to move to London in a month. I went into the gym and explained this and asked to cancel my membership. The woman I spoke to said it was 'her understanding' that regardless of the circumstances, I cannot cancel within the first 6 months, but to bring in my tenancy agreement and she'd check it out. The next day, I brought this in and spoke to the club manager. She also said I had to stay for 6 months, and kept going to speak to her manager on the phone to check. We went over and over the contract, and I am certain that it says I can leave at any time under circumstances such as relocation, but she refused to agree and they seem to have their own spin on it. The wording is as follows: You may cancel your membership: 1. by giving us at least one calendar month’s notice to cancel your membership to take effect at the end of a calendar month. During the first 14 month membership period the cancellation of your membership cannot take effect earlier than the end of the 6th month; or the 12th month for Home Club Memberships. For Membership Renewal Periods (which are not applicable to Home Club Memberships), cancellation can take effect at any time by providing at least one calendar month’s notice as stated above, even during the first 6 months of that Membership Renewal Period; 2. by providing notice of cancellation at any time if one or more of the following applies (a “change in circumstance”): - you are unable to use DW Sports Fitness clubs because of a genuine and serious injury or illness which results in you being unable to use DW Sports Fitness clubs for at least two months, and this is evidenced by reasonable supporting evidence, such as a Doctor’s note; or - you are made redundant or otherwise lose your job and provide us with reasonable supporting evidence, such as a letter from your employer or proof of entitlement to Jobseeker’s Allowance; or - you move house or your principal place of employment is changed and your new home and new principal place of employment are located more than 10 miles from a DW Sports Fitness club which you are entitled to use, The general manager is going to call me back after they've 'investigated' who informed me, but I am pretty sure I know what the outcome will be. I cannot afford to pay another 4 months membership when I am moving to London, but if they do not accept the wording of the contract I don't know what to do. Apologies for how long this is, but I'd really appreciate any advice! Many thanks, Jen

I joined Sport Center - gym on 30th May 2013 to start the membership on June 2013. Shortly afterwards in July I injured my knee and was not able to walk, I was using crutches until knee operation in September. Obviously I was not able to use the gym. On 2 September I rang the Gym saying that I will not be able to continue my membership and I will cancel DD. The person advised that I need to provide a proof. I deleted DD anyway. Start from 1st October the membership was not paid. On 3rd of Ocober I started receiving letters from Bespoke Direct Debit Services - chasing me for payment. I rang them on 3 October and explained what happened. They did not want to respect anything apart from a proof from GP, they asked me to provide. I continued not paying and I said - I had operation and I am stuck in bed and I don't have the proof on me. I rang them again on 10th January. They kept not respecting my demands to cancel contract and kept asking for proof. Their email: Thank you for your recent correspondence, the contents of which have been noted on file. We confirm, it is as per the Terms & Conditions of your agreement that we require a doctor’s letter confirming your circumstances so that we can review your account. Unfortunately, if you are unable to provide us with the proof, you will be required to make a payment of £.... to bring your account up to date. I am ok now and able to drive, I went to see my GP and I got this letter from them - proofing that I was saying the truth. I forwarded this to DFC and they replied: "We can confirm,that on this occasion, we will agree to cancel your contract within the minimum term, however, we would request that a payment of £..... is made in order for this cancellation to be applied. We have requested this payment due to the fact that we received your proof on 3rd February 2014. " Well firstly I have not signed terms and conditions, and I have not signed DD instruction. As I asked for the terms and conditions now - they sent me email saying that the terms and conditions were sent to me via email back in June last year. Well, if they have - I missed that, I don't know how, I cant find it. So there is no electronic or paper proof of me receiving and agreeing to term and conditions. What should I do? can you help? Thank you. Margosh

Hi all. I had my initial appointment for the work programme last Tuesday but missed it as I was so sure it was Thursday (I lost my phone with all my appointments on) so didnt not turn up on purpose even though Im sure it looks that way to them but the appointment was made well before Christmas. I received a letter on the Wednesday (the day after my missed appointment) with a re-arranged date for this Friday. The thing is, I am ill after having the flu jab and as I have asthma, it has gone straight to my chest. Im worried I wont be able to attend on Friday with being ill but dont want to antagonise them by cancelling when they have been so nice by re-arranging the appointment when they could have sanctioned me for a no-show. My question is, am I entitled to request my appointment to be rescheduled or would I get into trouble and would they be within their rights to sanction me? Thank you

Hi, me and my partner joined the gym on 14/01/14, we paid for the remainder of the month upfront by cash or card, a nd then set up a direct debit to start from February on wards. We are on a rolling contract and was verbally told we need to give a months notice before cancellation, although this is not in the written contract. Moving house and realsing we cannot afford the gym membership we decided to cancel. I believe since we paid for the remainder of the month upfront, and that the direct debits had not started we are entitled to the 14 day cool off period as in effect our contract had not started (I may be corrected). When stating this to the gym in a cancellation email they completely ignored this aspect and referred to the months notice. The direct debit has been cancelled. Am I correct in my reasoning that we were entitled to the cooling off period, or was the paying upfront classed as part of the contracted payments? Secondly, if I've cancelled the DD, are they likely to pursue the months fee which would be £70 between us?

Hopefully good news for Gym members at LA Fitness and Dave Whelan Sports (DWS) and those with other gyms whose Admin is handled by Harlands :- These gyms have agreed to make cancellations easier for folks when their circumstances change. See The OFT report here - http://www.oft.gov.uk/news-and-updates/press/2013/62-13 Extract from The OFT press release on 10th September :- The undertakings to the OFT from LA Fitness, DWS and Harlands Group include: * Extended rights for members to cancel their contracts early should their circumstances change in a way that makes attendance at the gym difficult or unaffordable - for example if they lose their job or suffer an injury * A commitment not to describe membership as being of a fixed duration, if the contract automatically continues on a rolling basis after the initial membership period has expired * Greater transparency about key membership features, including initial membership periods and cancellation rights, and for these to be provided upfront as part of the sales process. It will be interesting to see how well the gyms or gym admin Co's stick to the new undertakings. This is in addition to the agreement that The OFT reached earlier this year with Bannatyne Fitness Limited, David Lloyd Leisure Limited and Fitness First Clubs Limited, to change their contract terms. Time will tell ...............

Dear forum members, I registered recently to this forum, I was browsing it for a totally different reason but I read an issue that someone has had with the Monarch airline http://www.consumeractiongroup.co.uk/forum/showthread.php?404211-Monarch-flight-delay-claim-are-they-stalling-(1-Viewing)-nbsp, in that thread I mentioned the issue I have had with Easyjet. As promised, I am putting here the details of the issue and the output. I am putting all the data together so it can help other people to deal with a similar claim better than me (even if we managed to get the compensation). And because it could in fact allow passengers from the same flight request a compensation, I have included the flight details. Case summary: On 8th May 2012, our flight 5270 from Venice, Italy to London, UK operated by EasyJet (duration 2 hours) was delayed of 14 hours. On that day, EasyJet was operating 2 flights from/to the same cities, 12:00 and 21:40. The aircraft used for the first flight suffered some technical issue which delayed the first flight. They chose to use our aircraft for the first flight (this was explained by the airport staff) and ... they let us down (flight cancelled at 00:40). We got a replacement flight for the following day (which was delayed of 1h30) but at the end we reached UK after a 3 hours night and 14 hours late. Case details: Attached Link is a copy of the letter I sent to the Telegraph, called "The Easyjet experience". I. Complaints to the airline: I wrote to the EasyJet customer service 4 times. I requested a 500 EUR compensation (250 EUR per passenger), as per European regulation only. They denied that they had to pay any compensation, and included responses which directly deny the regulation's content. My own response was that the law is clear, that they were disgusting, that a low cost company is low cost because they give you a 1 cm space for your legs and not because the law doesn’t apply to them, and therefore I seeked legal action. II. Complaint sent to UK Consummer centre, UK Civil Aviation, Italian Aviation and Italian National enforcement body: Dear Sir or Madam, We are seeking your help as a result of a dispute with the Easyjet airline. We are contacting you directly as advised by the UK European Consumer Centre today. We had also used the information explained on your website to complain to the company’s customer service. On 8th May 2012, our flight for 2 people from Venice to London, operated by Easyjet, was cancelled and our arrival to destination delayed of 14 hours. Not only it impacted our professional activities, but the behaviour of the company was incredibly awful. Full flight details are: number 5270, Venice Marco Polo to London Gatwick, departure 8th May 2012 at 21:40. Airline booking reference: xxx. We recorded a complaint directly to the company’s customer service on 15th May, describing the facts as they are. I have attached all correspondence with the company (you will find the first complaint in complaint.pdf), but as a summary the facts are as follows: - The flight suffered a overall delay of 14 hours; - The company used our flight’s aircraft for another flight - this was confirmed by the airport staff onsite; - The flight was cancelled almost 3 hours after the flight time; - The company moved the flight to the following day at 10:05; - The company didn’t provide any subsistence to passengers at the airport, including elderly or children; - The company wasn’t able to provide accommodation for the passengers until 3.45 AM (this is the time of our arrival to the hotel), and the passengers had to manage themselves their transfer to the hotel, outside of the airport; - The flight re-scheduled for 10:05 the next day took off at 11:45. As per European law, the company is supposed to at least pay us a compensation of 250 EUR per passenger (so, 500 EUR in our case). Indeed: - The flight was operated under EU regulations, - The flight was cancelled (please also see flightstats.co.uk), - The arrival delay was (far!) more than 3 hours, - The problem occurred because our aircraft was used for another flight, as confirmed by the airport staff itself, and therefore the delay is totally the airline’s fault. No exceptional circumstances applied to our flight, since no weather condition, no industrial action, no safety issue or air traffic justified that the company used our plane for another of their flight. However since then, the employee from the company’s customer service has constantly refused to recognize the facts. And the only response we have had is that there seems to be a lack of training of the company’s staff, and that "the company may consider issuing a refund for the meal/refreshment upon receiving the receipts as a gesture of goodwill.". Is your organization able to help us ? Kind regards, All these official bodies confirmed that we were entitled to a compensation as per the European regulation. However, after 7 months we had not received any output. The UK Civil Aviation chased the Italian bodies a number of times. It seems that my complaint was not processed at all, as they re-accepted the complaint and issued another confirmation. A few weeks ago however, I received from the Italian enforcement body a dubious copy of letter explaining that they had been in touch with the airline, and based on the airline’s data, our complaint was not successful. I honestly doubt that such exchange with the airline has ever happened. III. Advice requested to Mrs Charlton from The Telegraph. Question: See copy of letter above Response: Mrs Charlton advised to simply sue Easyjet in the court, based on the airline’s notoriety. IV. Court claim presented from a specialised lawyers group. We submitted the case details to these specialised solicitors, including all flight details, airline's responses and exchanges with CAA. They validated the claim. They tried to get in touch with Easyjet but no response was received. Therefore the lawyer moved to the next step. Easyjet recognised they owed the money and preferred to settle the claim. They however pretended to have already contacted us and sent a cheque, which obviously wasn't true. They said they would resend a cheque, but we never received it. Therefore the lawyer moved to the next step, i.e. pre-action disclosure and court proceedings pursuant to Article 7 of EC Regulation 261/2004. The company preferred to settle the claim. They were given 42 days to pay the compensation. The compensation has now been paid. It seems that the airline has tried to avoid contact with the court. I believe this is for 4 reasons: first, to avoid claimable interests based on a delay of payment of around 18 months; secondly, to try to avoid additional court fees that they would have to return; third, to avoid an extended claim by not taking only the European regulation into account; finally, to avoid the case being recorded as successful in the lawyers's database which means more passengers will be aware. I can only say that Easyjet will have been disgusting until the end. Best regards

Hi can anyone please give me some advice yesterday after a long debate i purchased a sofa from SCS. When entering the store i told the guy i wanted a corner sofa and had 2x3m to play with. The guy had a tape measure and told me it would be 2m30cm on one side i decided the extra 30cm was ok as there was the room but that was my limit. It was a kind of make your own sofa with diffent types of seats etc not just one piece. i decided to go ahead and took out £3169 on finance, when i got home i decided to go online and right down every measurement get an exact number as i couldnt remeber exactly what he had said only roughly 2m30 and see wher it would go in my room. The measuements online are different by 20cm making it 2m50cm and too big. i called today to say can you clarify the measurement for me, they have clarifyed it is infact 2m50cm but are arguing that is what i was told - if i was told that i would not have purchased as i no it would not fit i no 100% i was not told that. They have a no cancellation policy and state that u can only change things within first 7 days. but surely if i was told the wrong infomation i can cancel? however it is my word against his as he is not owning up to his mistake, they are ringing me back tomorrow but im not hopeful from my previous converstation. What are my rights?? are you not entitiled to a cooling off period anyway? please help this is a great deal of money to me and a sofa that will no longer fit in my room!

BOS have decided to withdraw their overdraft facility. So nothing new there then. I was half expecting it, I have been giving them grief for sometime over their mishandling of my finances. However I was below the limit and had paid all interest charges, so why is it worse then? They start gibbering down the phone to me, and it was quite surprised when I was not only ready for battle but quite clued up as well, entirely thanks to this site. I asked the aforementioned to state exactly when they intended to withdraw the overdraft and he stated that it would be 17/10/13. I asked to confirm in writing and he did. This was on the 9th this month. So much for 28 days warning. Today a threatogram arrived stating that they intended to withdraw immediately and my overdraft would become 'unauthorised' and would attract the unacceptable rate of interest that we are all used to battling. Finally they tried to use this to try to bully me into a loan etc. etc. My plan is to wait until the default arrives and then use my missing 28 days to start a defence. When they start with the usual telephone assault, log all the calls and get them for harassment as well. How am I doing so far? Have I missed anything obvious. Kind regards to you all.

Hello, Many years ago, I had a SKY subscription (not at my own home - an ex's) - one that I'd cancelled in December 2006. I've not been to that address since sometime early in 2007 I had an email from BPO last night demanding payment (you have a week, etc etc). Until earlier today, was under the impression that I'd cancelled without issue - I did so by phone, and was told that was that. On ringing SKY this morning, it turns out that the service was reinstated in January 2007 (without my consent) - but this would've been done after the DD was cancelled - and was stopped again due to lack of payment It's only taken just under six years.. So.. how do I challenge this? I'm obviously keen not to pay for a service that I didn't ask for. SKY Customer Services have a record of my request for cancellation (as well as an apparent request for reinstatement - whoever it came from, it wouldn't have been from me, although I do wonder whether my ex might have pulled a fast one). I haven't kept any email correspondence from that long ago to confirm either development on my end; as I didn't live at the address in question, I don't have any copies of written correspondence - and neither do Sky, it seems. Sky customer service are apparently unable to write me a letter confirming my account history - despite talking me through it on the phone - which seems a little odd. Any help would be appreciated!

Hi All, Looking for some advise please. I have looked on this forum but not quite found what I've been after. I have been a member at Harpers Fitness for over two years and been a regular attendee. Due to an injury in June this year, I have not gone as much (some months not at all) and the facilities there do not suit the exercises I am now limited to do (due to the injury). I checked with the staff at the gym on the cancellation period and was told it was one month, I then took a written notice of cancellation into the gym on 4th November. I have just received a "Notice of outstanding payment" informing me I owe the gym for the month of December. I have contacted the collections department who have informed me that the cancellation period is one month, from the last day of the month you hand your notice in. So this actually means my notice didn't start until 30th November. In terms of gym usage, like I said above, I was injured at the end of June (and consequently on crutches). I didn't attend again until end of September whereby I went just a couple of times before deeming the place unsuitable for my needs - they cancelled the only classes I was able to do. I have not been back to the gym since this time. Also, not that this is entirely relevant, but when I was injured, I did hobble in on my crutches and asked about putting my account on hold, I was told that I'd have to take in a docs cert and pay a £5 per month holding fee - they could see my injury but still needed the docs cert so I didn't bother. Is this unreasonable? I have effectively given them just under 2 months notice. I did sign a contract but that was when I joined two years ago and I haven't got a copy of it (also, my membership went from 12 months to rolling month), I was also misinformed by the member of staff. Anyone had similar experiences? Ideally, I'd like them to waiver the December amount.

I've been at this gym for 6 months, 5 on the debit card since I had to pay 1 month up front cash. It's been getting worse since I joined with no signs of improvement. The toilets and showers are extremely dirty, with things breaking all over the place. A lot of the machines are broke, or damaged, dumbbells lose, lights hanging out of fixtures in the bathroom, insects everywhere, never clean, latches loose, floor uneven, so some machines are, none of the improvements told at joining have been introduced since. I also have OCD, in which is officially recognized by my doctor, so I can't handle this place no more with how dirty and dangerous it is. I asked the manager to cancel it with them, he said he tried but they can't do it. Even though someone else I knew left a month back. I have about 60 photos of the place in bad condition as evidence against them, and the gym manager can't even afford to finish a little painting he started, so they can't afford to fix all this. I could easily call health and safety and the place would probably be shut down, but I don't want to do that with him since he's cool. What Should I say to ashbourne on the phone?

I took out an 18 month contract in June for Phone & Broadband with BT, I am having to leave my property later this month and staying with a friend temporarily so I cannot transfer it to another address. I phoned up and they quoted me over £200 to terminate, I informed them that I hadn't signed anything or agreed to this. The guy was rude, I got his name but he wouldn't budge as I said I will not be paying anywhere near £200, then he threatened me with Debt Collectors stating that they would chase me and take my personal possessions, surely he cannot say things like that? Any advice? Thanks.

Morning, I've read through the hundreds of Harlands/CRS threads and kind of concluded that after a lot of trying to be logical with them, everyone ends up writing a final letter saying go away or go to court but I'll be ignoring you from now on. With that in mind, I've had a 2nd chaser letter from CRS now and I'm ready to send the following response I was just hoping for a little advice to make sure I wasn't jumping in too two footed. I'm not prepared to pay even close to what they claim I'm owing and I would happily defend myself if they took the matter to court. letter attached. Thoughts would be welcomed. I have an email from Harlands accepting my cancellation due to relocation but as I havent settled the disputed debt they have still continued to add additional admin and now CRS fees. I also have an email following me requesting they place a freeze on the account until the dispute is resolved confirming they received that request but chose to ignore it and add further fees. Cheers Scott

Hi All, I foolishly was lead into signing a lease agreement on Friday for a 4 year period on a new car. Having reflected on it over the weekend and told my wife about it I decided to cancel. The firm have willingly agreed to cancel the lease, but are claiming their "agents finders fee" of £1,521.66 is now due in full. From my perspective no fees are due because under the consumer credit act I have a right to cancel without penalty within the 14 day cooling off period, but the agency insist the fees are due. Where do I stand? dj1971

Hi I'm looking for a bit of advice. I have been a member of David Lloyd Newhaven Harbour (in Edinburgh) for a few years now, and in January I added my partner to my membership in a deal where the gym was offering 2 months free membership. I was told at the time that the 2 months free were at the end of the 12 month period - i.e. December and January. The final day of the deal was 31 January, and it was in the evening of 31 January that we signed the contract and made a card payment for the joining fee. Some of the terms and conditions for the new contract with this deal are: - Partners must join before midnight January 31st 2013. - 2 free months applies to whole membership. - Administration fee will be payable when joining where applicable. - Joining fee may be payable when joining. - This offer is only available when adding a partner and signing a new initial term contract on a standard membership type. - The 2 months free membership will be applied at the end of the initial period and is only available on a standard membership type. The two free months will only be given to those people who joined before 31 January 2013. -The 2 months free will not be given if the membership falls into debt or is frozen. It will also not be given if the membership cancels before the initial term is complete or if the membership is amended to a flexible membership type. I have decided that I want to cancel my membership and I got in touch with the gym via their online contact form asking for some information. I asked if, as someone who had been a member for a number of years but had since signed a new minimum term contract, I was required to give 3 months notice, or could i give on month's notice to end the contract at the end of the minimum term, as per the terms and conditions. As you can see above the terms and conditions for the '2 months free' deal state that the 2 free months will not be given if the membership cancels before the initial term is complete. I am not sure if this means if you give notice during the initial period that you wish to cancel at the end of the minimum period, that you are not entitled to the 2 free months, so I also asked the gym for clarification on this point. I never heard back from them, so I asked the same questions in an email to the Membership Relationship Manager. I got a reply from the Membership Relationship Manager who only partly answered my questions. She said that when my partner joined, I did start a new initial term, and she said the first payment was 1st February 2013 and that the membership will run until the last day of January 2014 "last payment 1st January 2014". She never answered re the notice period that I am required to give, or regarding the 2 free months. I replied to the email asking again for this information and have not yet heard back. I am getting a bit anxious that they are somehow trying to avoid giving me the 2 free months. The fact that she states in the email that my first payment was 1 February concerns me. I also don't understand the line in the terms and conditions which says 'The two free months will only be given to those people who joined before 31 January 2013.' Surely that conflicts with the top two lines - Partners must join before midnight January 31st 2013, and - 2 free months applies to whole membership? Does anyone understand the terms and conditions well enough to know where I stand her? I am getting very frustrated not getting answers to my questions from David LLoyd, and I really need to know where I stand before I can formally submit my cancellation. Thanks, Lynn, Edinburgh