Good evening. I have read the gym membership cancellation advice but wanted a little clarification. I have a contract with fit4less that is due to expire on 30th November this year. My direct debit came out from my account on 2nd November 2015 so on this date I emailed cancellation and cancelled my direct debit. They have emailed me back saying I have to give 30 days notice not the 29 days I have given. I think this is a little petty but they are sticking to their guns. Does anyone have any advice? If we have been in a 31 day month it wouldn't be an issue. Thanks in advance.

Hello, I hope someone on here can help before things get worse. I have taken out car insurance with Octagon and emailed them all the required documents. I even called (expensive hotline which is the only way to contact them) to confirm they received all documents. All of a sudden I have received a text message saying they will cancel my policy unless I get in touch. I have called them again and asked what the problem was. All I was told is that some documents are missing. When I told them that I have emailed all documents twice and have previously been assured that they have all required documents, I was just told that no one from "that department" was in today. I was then advised to just email all documents again "for a third time". Having done so I today received a letter that they will cancel my policy on 17/11/2015 because I have responded to them. Firstly I have responded every time they text, wrote or emailed me. Secondly they are not saying in the letter what it is that is missing or why they want to cancel my policy. I am worried that this is just a [problem] where they cancel your policy to charge a cancellation fee and then charge an additional deposit to re-start the policy. Can someone please help me?

Hi, Just looking for some advice before I decide to contact/ pay Harlands. I took out a 11 month membership with Xercise 4 Less gym last year but didn't really use it so decided to cancel. My SnapDDA membership email states: The following payments have been taken by direct debit: I have made my 11 monthly payments and am therefore outside of contract. I cancelled my direct debit. I realise I should have contacted Xercise 4 Less to cancel the membership BEFORE cancelling the Direct Debit. I then received a letter stating: I have since also moved home and letters are currently going to my old address (my tenant kindly keeps them for me monthly). Please could anyone advise me on where I stand with all this and what the best course of action would be for me to take. Any advise and help would be greatly appreciated. I was thinking along the lines of this taken from Shabba180s thread: Im thinking of sending a copy via both email and normal mail to both Xercise 4 Less and Harlands: operations.manager.bolton email Xercise4Less Unit 1, Kirkstall Industrial Estate Kirkstall Road Burley Leeds LS4 2AZ c.service.icsharlandsgroup.co.uk email Harlands Services Ltd 2nd Floor, Rockwood House 9-17 Perrymount Road Haywards Heath West Sussex RH16 3TW I am in 2 minds whether to just pay the £34.99 and be done with all the hassle of sending further letters/ them adding on constant charges and taking possible legal action in future? How successful have people been in challeging their fees and has anyone been taken to court/ legal action taken against them? If I did want to just pay the £34.99 and be done with it what is the best way to ensure I get a proper cancellation/ no more demands from them? Many thanks in advance

Had grief from Virgin Mobile, with an unhelpful call centre staff member (not for the first time). They want to sell you a new phone, or a larger tarrif, but asking questions about the tarrif isn't what they want, and when I asked for help and followed their instructions : it didn't fix the problem.) I'm in credit with them, which credit runs out in 3 months (it was a PAYG SIM initially, topped up numerous times to get 'free data' the next month, and when it had accumulated a large balance I was never going to use, converted to a pay monthly SIM, to use up the credit balance). [VM suggested the swap to Pay monthly, given the credit balance]. So, I asked to disconnect, on a date in the future, once I've used up almost all of my credit, as one has to give at least 30 days notice. They (customer retentions) declined to take my cancellation request. Whilst I accept I have to give them at least 30 days notice (and 3 months is more than 30 days), they claim they also can't take notice any more than 30 days in advance. "It is the customer's responsibility to call us 30 days before, we can't take notice in advance" (the rep also agreed that if the customer doesn't remember to call exactly 30 days before, they will end up committed for another month's line rental...........) Is this correct? if it is, is it "sharp practice"? The best way forward? Would a letter, stating when I wish to end the contract, (sent by a guaranteed delivery (and signed for) service) work?.

Hello, I am hoping someone could give me an idea as to where I stand, although I think it's probably nowhere... I renewed my car insurance with Adrian Flux in August, £830 for the policy and £200 to pay monthly by direct debit (premium credit). I would now like to cancel my policy as I've been quoted £270 (with the same underwriter!!), a saving of £560, eye watering amounts of money. I rang to see how I go about cancelling. I was told that I would owe the rest of the 12 months remaining balance minus the three I have already paid. However, my insurer would effectively pay a proportion of this... Ultimately, I owe £152. I have paid three £100 instalments, so £452 for two months insurance. Surely this is too much? How do I go about challenging this or am I stuck paying the final £152? Thank you.

Good morning, I originally joined xercise4less in January 14 after a phone call from a sales person. I was reluctant but they talked me round by offering two months for free & £9.99 a month there after. Even though the gym was 18 miles from my home I niaevely agreed to become a member. I didn't/haven't used the facilities once & in February I emailed the operations manager asking to cancel my membership but received no reply. I left it until April and sent another request to cancel via but again didn't get a response. In September I noticed they were still taking the amount so I cancelled by direct debit. Now I am receiving threatening letters saying I owe £69:98 with x2 £25 'admin' charges and the threat of court. I've rang xercise4less but been told the manager isn't available - I've emailed the operations manager again and haven't gotten a response (I see a pattern here) however when I messaged them publicly on Twitter they responded (funny that!) but in their DM they have simply said "Sorry however unfortunately you cannot cancel your membership via email unless you have this agreed by the operations manager - do you have this indicated in your emails" I replied stating that I hadn't received a reply and asked how they could resolve the matter but they have not responded. I'm not sure why an email won't suffice when the only contract I've received was via email and I haven't signed anything from them. In fact the only letters I have received were from Harlands threatening me and charging me x2 £25. Do you have any advice for me - I can't have a CCJ against me because of my employment. They have no responded saying that "unfortunately in this instance you will need to pay the cancellations charges - what is your contact number so a member of the membership team can contact you?" I feel this is completely unfair - howe should I respond.

Hi guys, Need some help i was Plusnet customer since October 2014, on 20th July 2015 i received an email regarding the price rise and been advised that i can cancel without being charged within 30 days. I rang on 24th July 2015 asked them if they could give me better price or i leave, they gave me reduced price but it was not matching with Sky's offer, so i said offer is not good and what the process to cancel they told me that just sign up as normal and that's it. I signed up on 24th July with Sky and the same day received an email from Plusnet that you leaving early so you have to pay termination fee. I contacted Plus net the same day 24th July 2015 and told them the situation, been advised that ignore these emails as these are computer generated since then i started ignoring emails. The problem started when i received another email on 17/09/2015 saying that i have to pay outstanding balance of £9.71 otherwise my name will be passed to their deb recovery department. I contacted again via chat on 17/09/2015 and been told that its cancellation charge and i have to pay because i did not ring to cancel, i said i rang on 24th July 2015 to cancel again been told that they will look into it and solve the problem. After that i contacted Plusnet again via chat on 02/10/2015 asking whats going on been told now i have to pay £23.61 because of cancellation charge, again i told them i made a proper call on 24th July, again been told that they will look into it. On 22nd Oct 2015 my Plusnet account fully closed so i could not see what's happening, i contacted them again regarding this matter been told they cant find any records that i made call on 24th July which is shocking been told i have to pay now no matter what. This time i rang customer service on 22nd Oct 2015 at 18:21 PM, told them all story, he told me he can see a call made on 24th July all they need is to listen this call and they will contacted me tomorrow 23/10/2915 with outcome. I missed a private call on 23rd October 2015 around 13.30PM so i assumed it was from Plusnet so i rang Plusnet and been told nobody rang me today, i told them that i rang on 22nd October and spoke to someone and he suppose to ring back, again shocked with the reply that they cant find any records of that call too and no matter what i have to pay the charge. I asked them to send me call logs during July which she going to send in few days but i am really shocked, please advice me what to do this is totally ridiculous

Hi all Wondered if anyone could help re the cancellation of gym membership. LA have been taken over by Pure Gym. As a result of this, my club's pool will be closing on Wednesday so they can fill it in and put more gym equipment in. Essentially this means that the gym will become just another run of the mill cheap gym. I pay through salary sacrifice, and despite sending copies of the correspondence from LA/Pure confirming what is happening, they are refusing to cancel the membership. This is leaving me paying over the odds for a gym I didn't sign up to. The term's and conditions have nothing around this, but surely as the service becomes different to what was originally purchased then there should be a force majeure type clause. I have mentioned I may go to Trading Standards but could do with some advice please guys?

In July of this year me and my partner felt we would like to switch to a new gym which was much better suited to our needs, from our then current gym Xercise4less. We know that when you cancel a membership there tends to be a contract to honour or a notice to fulfill, so we decided that we would not make the switch until payments had been sorted with Xercise4less. Money is tight and we are frugal, so we would not have two memberships running at the same time. We went in to our local branch in St Helens and spoke to a young man on reception, who's etiquette left a lot to be decided, distracted by mates and such. To be fair to him they seemed short staffed. However, he categorically told us that as we had only signed a 12 month contract and had been there for 18 months, so we were free to cancel our membership and there was no notice or fee or anything. He took down our names and looked on the system and told us that as the cancellation would take a few minutes, he would go through it on the computer and we were free to go home. We were a little surprised it was that easy, but he categorically told us the above facts so we had been given the green light to sign up with the new gym. We cancelled our direct debits the next day to be on the safe side, because we had heard stories about Xercise4less (Harlands) continuing to take payments. So we have been at our new gym ever since, when out of the blue this morning, we both received texts telling us "You cancelled your direct debit, so your account has gone in to default". I enquired on the phone number given on the msg, and the agent told me that I was supposed to give them a months notice, so that Harlands could take a final payment of £9.99. As the DD was cancelled, I have incurred a £20 admin fee since. So I owe them £29.99. I explained that their Xercise4less colleague had wrongly informed us of the terms, and had we known, we would have absolutely not joined the new gym till a month later. He agreed and put a notice on my account that I was wrongly informed and told me there was nothing he could do, but I needed to speak to the general manager of the St Helens branch to see if they could reason with me. I rang up the branch and the man on the phone told me they had no general manager until October. I have to say the phone call was quite blunt and the staff in that gym are generally not the most professional people. Not sure what to do next then. I have to admit I hate these situations, I am not a confrontational type, I am very shy and I went in to the gym today for answers, but when I saw there was no staff on reception I bottled it. Any help would be appreciated. Thanks.

Hi sorry that it's another Harlands related thread. I've just been reading through a lot of them and it's got me worried about ending the contract. So I'm tied into a minimum contract of 6 months and I don't wish my payments and my membership to continue after the minimum 6 month period. My minimum 6 month period ends on 17th January 2016. I've just sent them this email: To whom it may concern, My name is Jonny Jones I am contracted to a minimum period of six months payment of £90.00 to Harlands Group for membership to London Fight Factory, my reference number to quote is: 33048214 / JW. I would like to make it known that I do not wish my contract to automatically renew after the end of the minimum period on 17th January 2016. I wish my membership to be cancelled once the minimum period is over and for no further payments to be made. Therefore I expect that January 17th 2016 is the last time any money is to be taken out of my account from this group and I will be cancelling my DD with my bank as soon as I see this payment has been taken. Please give confirmation that you have received this email and that 17th January 2016 will be my final payment. Kind Regards Jonny Will this be enough to end things with them and make sure that I don't pay any more after the 17th January payment has been taken? Thanks in advance, you're giving great advice to lots of people Jonny

Hi all, after years or problems and increasing charges with talktalk I decided o change to a new provider. At first I called talktalk to discuss the new charges being applied as of 01/10/15 but was advised that I did not have a contract with talktalk as my old contract was cancelled on the 31/07/15, this was due to me moving home and I used their online service to change my address. So during my incredibly lengthy phone call to them I asked the representative more than 4 times "if I cancelled my account (notice I said account, as apparently as the representative advised I did not have a contract with talktalk) would I incur any penalty/early termination charges, and on each occasion was advised that I would not incur any charges. I also went to their online chat yesterday to advise them that I would be changing my provider and again was advised that I did not have a contract with them. Anyway, this morning I received an email from them stating "Since you´ll be leaving before the end of your contract period, we´ve worked out the final charges that you will need to pay. These will be shown as contract breakage fees on your bill". Total charges of £238.36. Anyway I sent them strongly worked email (I am happy to attach it if anyone is interested) to several people including Alexandra Birtles, Nick Clark, Dido Harding & Charles Dunstone, stating that as I have been advised twice that I do not have a contract with them that I cannot be in breach of one, and secondly that I have been advised on more than 4 occasions that if I cancelled my account that I would incur no penalty charges. So if anyone has any advice or email details for other people at this company then please let me know.

Hello, my name is Adrian. Facts: I started a contract for broadband and landline with international free calls, last year September/October, in Wales, with EE. Due to the fact that I had switched jobs, I also had to move the house, therefore, I relocated myself in Crawley, West Sussex, on 20th of June this year. Prior to leaving the house and relocating, I searched online, and phoned EE to make sure they have coverage and that they can provide me with the same service. Everything was fine, they said that they can service it, same price, same package. On the same day, around 1730 hrs, I went on to the local store EE in the Council Mall, in Crawley to get an update on the moving of the service. When I got there, the lady there, said that they cannot cover my postcode with the same package, and that I should take the matters with the Customer Service. She called to the Customer Service, the Moving House department, at which point they again confirmed that the only thing they can provide me with is a lesser bandwidth for the broadband. I told them that I am not OK with it, and on the spot I argued the fact that over the phone, once I planned the moving house, they have stated one thing, so that I find out that that's not true anymore. Another thing is, they told me over the phone, that the landline number should work, and was not. The lady there sent me to close a contract with the competitors, Virgin Media. Since I didn't want to take a decision then, at that time, I postponed this for the next week-end. The next week-end, I went back to EE, and told them that I have signed the same day with Virgin Media, (only for broadband), and that I would like to have my account with them to be closed. The young lady there seemed helpful, and said that she will do that, and I don't need to worry about it. I have also stated that the landline number is not working, though it should have worked, since it appears to be active in their system. Since I had already my DirectDebit with them, and closed that the same day, after they made their final payment withdraw, I thought that everything will run smoothly and that I will receive an update on my email about the last payments, etc, etc, as it happened with my other accounts that I closed in Wales. No brainer, no muss, no fuss. My problem goes like this: I went on today to EE(to a different store, in Crawley), to find out why I have received emails from EE stating that the payments couldn't be made towards them, since: 1. that lady should've closed my account (I was naive back then, I know) 2. I have closed/cancelled my DirectDebit with them. 3. they couldn't provide me with the package I had Just today, I found out that EE, can actually provide those services within the area I live, and can give me the exact same package I had in Wales. I had ring Virgin Media to tell them that I want to finish my subscription with them, since, they cannot provide me with the same deal, at which point I was told that I have to pay them £143.69 for the remaining contract. Honestly, for some reason, I don't think the Customer Service, nor that lady from EE, treated me correctly, and I was mislead to think that things will be sorted out, etc. I was under a lot o stress back then, (and now when I come to think of it, a little bit naive) since I am a software programmer, and needed the broadband, and fast. I don't know how to deal with this, nor what legal actions to take against it. Should I pay, should I make any complaints? I wasn't presented in detail with my options, and I was just passed from one "dealer" to another, when my only need was the broadband. Can you please give me an advice on how to proceed furthermore with this? Thank you. Kind regards, Adrian.

Hello Slick132, I was looking at a question you answered for a member regarding xercise4less and was hoping you may be able to assist me also? I recently signed up to this gym after recommendation by a friend, initially contacting via email which then turned into a day pass followed by a barrage of calls from sales members asking me to come in for a "chat" Eventually they persuaded me to join however I had some doubts as I asked for my agreement only to be told this would be sent via email. I made the initial payment however did not receive any information and when queried the gym blamed a system error and my details however sent me a few emails. I decided after a few days this was not for me after being involved in a heated, almost physical altercation with another member of the gym. I have asked politely to leave but they are telling me as I signed in the gym I "waived all rights to a cool off period" and "any privilege to leave has been removed from me" and are trying to insist I stay even going as far as to bar the member who was involved in the fracas which in turn left me no choice but to play middle men between the two gyms as they decided on the person's fate (Without him ever knowing) I have spent hours on the phone to countless branches and staff who all say they understand my situation and can help me then ultimately say they cant and to speak to the next person up (who is conveniently never available) and now I am growing frustrated that they are trying to delay and stall me into a corner so I cannot request to leave. I can 100% guarantee I was never made aware of the no cooling off period otherwise I would never have signed. If possible could you advise on my next steps in order to protect myself and still get the desired outcome as currently I am in need of any guidance I can get. Initially I signed up on Friday 24th July and I made it clear I was unhappy on the proceeding Monday via email (which received no response) and in person on Wednesday which was when I was informed of my rights by the receptionist (which they have conveniently forgotten about now). I have sent out numerous emails to supposed managers and even an area manager with no real response. Please accept my apologies if this is not the correct way to go about seeking advice I am just extremely desperate for some help. Many Thanks

Firstly apologies if this isn't posted in the correct place - new to the forum! So I have an issue with Harlands, seemingly like a lot of other people. I know a lot of this issue falls on only myself to blame but I do feel like I was not fully informed of what I was signing up to at the time and didn't realise how tied in to this contract I was. So I joined Swift Fitness in October/November of last year, when I signed up I didn't have anything really explained by any member of staff. He just set up the form to join on his little ipad device which was a pain in the ass to use and I can honestly say I was not aware I was signing up to a year contract that automatically renews and i would be unable to cancel - If I was aware I would not have chosen this gym. Once again my stupid fault for not checking and double checking. The 'ipad' that I used to sign up was difficult to use (in a way that it was difficult to read and just awful, I'm 22 and work in IT so it's not that I have an issue managing technology) I was also sat in the gym whilst filling in my details so it wasn't a good environment to fully read all the details that I was signing up to even if I could on this little screen. It wasn't until a week or so later a letter came in the post explaining that no matter what I am in this contract for a whole year that will renew unless I say I wish to cancel a month before the end date (November 2015) At that time I was okay financially and didn't see myself needing to cancel at any time, recently however I've hit bad times financially and personally and just could not see a way of being able to afford my membership this month or in the future. It was either not pay for the gym or not pay for prescriptions/bills which I deem more important in these circumstances. So unfortunately I had to cancel the DD and was going to write to the gym saying I wish to terminate my contract as there seems to be no chance I can manage the payments. I know this was wrong and I should have maybe dealt with this better but being put in the situation I am currently in a gym membership is the least of my worries. Harlands have sent me a letter saying that I need to pay fees and for this months membership (which I totally understand) but I don't know what to do as I know I won't be able to continue the future payments and want to leave the gym. Is there anything I can do?

Pete Swift has won a £1,500 payout from Sky after spending two years and £1,395 trying to cancel his TV and broadband package. The 30-year-old research consultant, who lives in Edinburgh, billed Sky £25 an hour for calls made to the telecoms giant, the ombudsman, various credit reference agencies and debt collection companies. In total, Mr Swift spent more than 55 hours on the phone to the individual firms, including 31 hours talking to Sky. Mr Swift then decided to take Sky to court and last month reached an agreement with the company just two days before his court date. http://www.telegraph.co.uk/finance/personalfinance/household-bills/11621654/Sky-customer-gets-1500-payout-after-two-years-trying-to-cancel-his-contract.html

Hi, I am in need of some advice about my Nuffield Gym Membership. I called the Club at the end of February when my 12 month contract ran out to cancel my membership but, I wanted to keep my partner as a Member. I was informed to give them a months notice in writing, I sent them an email on the 5th March, 5 days late. I believe I should be able to walk away from this Membership at anytime due, to being out of contract. I understand that I sent the email 5 days later than what they require but, surely this is irrelevant if I am out of contract? I then checked at the end of the month to see if they were going to take full payment or they were going to take half payment for my partner obviously they had scheduled to take full payment. I cancelled the DD and since then I have had nasty emails back and forth about payment, I have had letters from the Club manager demanding payment or it will be passed on to a debt agency. I informed the Club that my partner still wants to be a member but, they are not interested unless I pay the full amount that is owed. Any advice would be much appreciated.

Hi all, I've taken a policy with eCar insurance for an old, semi-functional rusty Mercedes (800 pounds worth) end of October 2011. It was an impulse buy of a young man with more money than sense I paid about 200 pounds premium as first payment, and it was about 100 per month afterwards. Unluckily to me, due to my taking the policy out so late in the month, the debit date was automatically set to be 27th or so, and in November it failed due to my not having that much before payday on my account. I was living between 2 addresses at the time, moving homes, and I didn't notice it happened until about 2 weeks in, I called and it turned out the policy was already cancelled, because rather than attempt to take the debit again they gave me a posted deadline, and cancelled the policy, so to continue being insured I'd have to take a new policy. I was very unhappy with that because I'd already paid that 200 pound premium, so I just let the car stand for a bit, and then sold it to one of those companies putting fliers behind wipers. The fact that I'd have to pay a cancellation fee on top of that was such an insult to injury to me at the time, that it hasn't properly registered with me it appears, another factor was moving and degraded access to mail at old address. Fast forward 4.5 years, it's April 2015 and for 2 years I've been living in Poland. Earning far less, but close to family is what matters to me at the moment, and I receive an email from CRS debt collection that I owe 800 pounds to eGroup and I can pay by phone, www, etc. Some bullet points 800 pounds is over 1 monthly salary here, of which I have none left by end of month anyway I have more debts in the 8k pounds area which are consolidated with MKDP which I've been repaying over last few years and still do monthly - no complaints there in 2012-2013 I had another car with eCar and at no point was it mentioned that I owed them money I contacted ecar now, and they stated they contacted me on 12/12/2011 about cancellation fee, and 'then in february 2015'. So it seems between 2011 and 2015 they somehow sat on that fee, multiplied it manyfold I imagine (though they were unwilling or unable to tell me how much it was to start with), then tried to contact me again at address I'd left 4 years ago, and gave it to CRS as 745 pounds. For several reasons mentioned above, I am willing to fight in on the beaches, etc etc How to best get the amount to be reasonably equivalent to what it was a penalty for (a car policy cancellation), and then if possible have it spread taking into account my current situation, living in a country with cost of living and earning power far less than those magical self-multiplying into hundreds of pounds debts? Are they realistically able to harm me, abroad, should it take the worst turn? Please help, as it has litterally made me consider moving into a van to finally escape those ridiculous fees forever!

Hi everyone, I joined Xercise4less in september 2013 and my first direct debit came out on the 5th sept 2013. I signed up online to a 12 month contract and never actually went to the gym, yet still paid for the 12 months before cancelling on the 13th month. I have recieved a letter dated the 26th march 2015 saying that the CRS are employed by x4l and my membership remains in arrears despite previous letters being sent to me (this is the first letter i recieved) They then say that they have added their fees of £102.50 and my balance is now £207.47!!!! I ignored this letter and then recieved another one dated the 16th april 2015 giving me two options.. either legal action or outsource to external agents. I have spoken to the gym to which they were extreamly unhelpful and rude!! And i have also phone CRS themselves. I have no idea what to do about it!

Hi all, I've been reading some horror stories regarding David Lloyd cancellations and I desperately need some advice. At the end of February I got a massive hike in my housekeeping which I pay my step-dad. This made the £59pm membership with David Lloyd impossible to pay. This came into effect from the beginning of March and I needed to cancel my contract. The issue is I signed the contract back in October to commence in 2015 on an early start type thing. 2 months free if I recall. I read there are OFT rules saying you can terminate a gym contract if it isn't affordable anymore and they have to let you go. I was given a letter by my step-dad explaining the new housekeeping amount. I called and spoke to someone in membership at my club and they said if I bring the letter in I would be able to cancel under a "change in circumstances". I took the letter in and was made to feel like a liar - with her implying anyone could have written it and it was bogus. Obviously I strongly protested and I was told she would pass it on to the manager. Generally they need a "legal document" she tells me. I then get a phone call from her male colleague explaining the situation and that I am unable to cancel as it's not deemed "suitable" for them. I then spoke with the manager who explained they need something "letter headed" or "legal". I explained I am unable to provide anything but the letter I already have and that my step-dad does not have letter headed paper... why would he?! He went on to say it's not satisfactory to them and that I need to take in my personal bank statements. I said I would consider it due to fact it is a full overview of my finances which I don't feel comfortable sharing. I later emailed the local membership email to explain that I decline to show them all of my banking statements as it's personal. I went on to quote their contract saying that under exceptional circumstances they need something "satisfactory" the exact details of what is satisfactory are not defined anywhere on the contract. I said I have provided the only evidence I have available to me to prove the DRASTIC change in circumstances and that the term "satisfactory" is just designed so they can continually change the goal posts on me. I said if I don't hear back within 7 days then I will assume the matter is appeased. Someone in the department assured me I would be contacted. This email was on the 19th of March. Not hearing anything - I assume they've understood the awkwardness of the situation and shown some sort of compassion. WRONG!!!! I get a call on Friday 10th from ARC Europe saying I owe them £79 for unpaid membership. I assured the person on the phone that he is wrong and to check his facts with David Lloyd as my understanding is that it is a resolved matter. He asked who I spoke to and said the account will be suspended. I called David Lloyd that same evening to demand to speak to someone in membership to see if the matter was still ongoing and was assured I would be called this Saturday just gone. That never happened. I called them this evening asking to be contacted as a matter of urgency and I'm assured a phone call tomorrow - which I doubt I will receive. Please please please can someone advise me what to do as this is stressing me out quite considerably and I'm panicking. Thanks in advance.

I know that this isn't a big problem compared to most of the problems on here but I could use a little knowledge on the subject. My partner moved in with me in January after cancelling his BT broadband account, he paid his final bill but did not pay the £30 cancellation out of principle as he was unaware that was in his terms and conditions. They do not know where he lives and have no phone number for him but they do have an email address which has been passed to Walker Love (correspondence below). He is tempted to ignore the email but I am concerned as to where this could lead if anywhere. I have heard of unpaid debts mounting up over years and I do not want it to come back and bite him so I'd like to know what the real consequences could be? 'We've passed your debt of £37.50 to a collection agency. We've sent you several reminders but you still haven't paid us what you owe. So we've now passed your debt to Walker Love Collections, an authorised debt collection agency, to get in touch with you about paying it off. We've also added a charge of 25%, included in the outstanding balance above, to cover the cost of us handing over the debt.'

Looks like i've been stung here Took out a car insurance policy on 1st Jan 2015 with Asda money, not realising that my existing car insurance with Insurance factory had in fact rolled over from 2014 to 2015 therefore i was already insured and didn't realise it. Once i realised the error i cancelled the Asda money policy within the 14 day cooling off period, and returned my insurance document to them, expecting that i would be refunded the £125 i had given to them as a deposit, less any cancellation fee which i didn't expect to be much. On April 4th still hadn't heard anything. so emailed them so see what they were playing at as it had been 11 weeks, and 5 days since cancelling the policy without hearing anything from them via mail, phone, or email. They sent me an email stating the following; Hi XXXXXX Policy number: AMXXXXXXXXXXX Thank you for contacting me regarding your refund. The necessary calculations have now been completed. Please find below the breakdown of how this has been calculated: Paid: £125.21 Deductions: Days on cover (inclusive of Insurance Premim Tax of 6%) £30.67 Direct Debit Set up Fee £27.50 Cancellation Fee £45.00 The return Premium due is £22.04. Thank you again for contacting me, if there is anything else I can help with please let me know. Yours sincerely So there you have it. £22 refund for a £125 layout for a policy that was useless and not needed and ran uselessly for 12 days. Two questions spring to mind; Firstly, if i had an accident within that 12 days would i have been able to claim on both policies, if not then it was useless and may have been an invalid policy from day one Secondly i recall that during the PPI thing that one of the reasons for refund was if you had adequate insurance elsewhere aside from the policy you were being sold. Thoughts anyone ? Ombudsman maybe ? Does the ombudsman still charge the company that you lodge a complaint against, and if so is the charge more than the amount that i am looking to get back ?

Hello, I have stumbled across this website whilst trying to get some advice on a cancellation of a sofa my partner and I have purchased from SCS. This Monday (23rd March 2015) we paid for a sofa in full from SCS in store for a property we were due to move into. Unfortunately this property has now fallen through and we have tried to cancel our purchase from SCS to be told they have a non-cancellation policy, which obviously we were not informed of at the time of paying for the sofa. We haven't received any goods from SCS and the sofa isnt due to be delivered for 5-6 weeks. My partner has gone into the store to be told that he needs to speak to the manager, who wasn't around. He then called head office and this is when they told him about the non-cancellation policy and that we had signed a contract confirming this. However, we haven't signed a contract as we paid for it outright and was not informed of this policy. I have tried looking on their website for some information about this policy to no avail. then I itried to contact a consumer advice service which told me there isnt really any thing we can do as we agreed to this and that we do not have any consumer rights as it was purchased in store, not online. We were also told that SCS could agree to give us some money back but could keep some for the "inconvenience" even though we only paid for it on Monday and its not been manufactured or delivered yet. If anybody could please give me some advice on what to do about this I would be hugely grateful! Thank you

Hi I just cancelled my gym membership with xercise4less on 1 March 2015 a payment went out on 3 March 2015 but I think it may cover February's fee does this mean I have to pay membership for March too? I signed a cancellation form in xercise4less to cancel my membership the lady who was dealing with my cancellation said I shouldn't have to pay again end of March. After reading some reviews I thought I call Harlands to see if they have my cancellation. They said they do but I have to pay £9.99 on 28th March. I've cancelled my direct debit on online banking but could reinstate it before 28th March if I need to make £9.99 payment or will they add £25 on since I cancelled it now. Do you think I should pay £9.99 at the end of this month?

I joined Xercise 4 Less in January 2014, and paid £9.99 a month for 12 months. It was in January this year (2015) that I decided to cancel my membership. I cancelled by physically entering the gym and handing over a written statement saying I wanted to terminate my membership. This was then accepted by a member of staff who told me everything had gone through and I would be charged for the next 30 days (as I had to give notice) but this would be one final one off payment then I would no longer be charged, which I accepted. I waited for the February payment to be taken as expected, and only after this did I cancel my direct debit as I was under the impression from Xercise 4 Less that my membership had been successfully cancelled. However, 2 days ago I received a letter from Harlands stating that my payment for March had been returned unpaid 'instruction cancelled' and they would be charging me £9.99 for my 'unpaid' instalment and a £25.00 administration fee!! They also say if I do not pay by 26 March I will be charged another £25 admin fee!! I contacted Xercise 4 Less and explained the situation, they then proceeded to tell me that they couldn't find any 'record' of my cancelled membership on my file and basically accused me of lying. I told the member of staff the exact date and time I came into cancel and she said she would check CCTV (as proof) and call me back first thing this morning to confirm. Alas, I received no phone call (what a surprise!) and am now left with an unfair letter and a lot of unnecessary stress!! Any advice would be much appreciated, as I'm sure Xercise 4 Less are in some sort of breach of contract here somewhere along the line!! Many thanks

Hi all, I have been a member of my local DW Sports gym for around 2 years. I cancelled my DD with my last payment being 3rd Nov without letting the gym know. I did not attend my gym after September due to a knee problem that i was/am struggling with. Yesterday I received my first correspondence from the gym through "Major Law" in which it claims that they have prepared a county court claim and is ready to be issued against me. They also claim to have contacted me "previous correspondence sent to me by ARC" which i have not had one single letter. I find it pretty disgusting that I've been delivered this bill for £164.64 after being a loyal customer for 2 years and had no prior warning before getting this threat. Debt Balance £83 - I dont understand because it is more than my monthly membership cost x2 Court fee £25 - ?? Solicitors Costs £50 - ?? Annual Interest £6.64 ?? -------------------- Total £164.64 This is downright robbery. I am shocked and appalled that they play these moves. what can i do??? I've had a little look round the forum at similar cases but I've not come across one where the victim has been registered at the gym for a long time and cancelled the dd without notice. I have seen that people have sent letters informing DW of their intention to leave which DW have never claimed to receive. Please help me guys, i really dont want to pay £160 for DW dont deserve it. The gym i attended has got gradually worse and worse with over subscription, poor maintenance and moody staff. Thanks