Do Bannatynes accept payment plans for unpaid direct debits?

[pocketsizedwolf]

Hello All,

 

Back in October, I joined the local Bannatyne's Gym for the reasons people usually join gyms. I thought I'd be fine to pay the £37 charge for the 6 month contract.

 

Sadly in December, my hours at work were cut and so the gym was the first thing to go. Since then, Bannatyne's have sent me two letters asking for the money, which I accept they are fully owed and I am fully prepared to pay. My only issue is, I cannot pay the whole amount upfront.

 

Does anyone know if Bannatyne's accept payment plans? I have drafted them a letter explaining my circumstances and offering to pay £20 a month until my debt is fully paid off.

[slick132]

Hi PSW,

 

Bannatynes would rank quite low on a scale of debt-priority.

 

They may demand that you pay what they want but, unless they go to court (very unlikely), they have no authority to demand anything.

 

They may also threaten to add admin charges for late payments but they cannot enforce these either.

 

I suggest you write to them offering to pay whatever you can REASONABLY afford. If that's less than £20 a month, then pay less.

 

Tell them this is due to a drop in income and it's unavoidable.

 

Tell them you will not pay any admin charges as they are effectively penalties which are unenforceable.

 

Shout if you want help.

 

Edited February 8, 2013 by slick132
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