Oakley Fitness TBW / debitfinance pursuaded me to part with 3 months + late charges

[slick132]

Hi Scruffy,

 

DX is right in that you need to try to get the CCard refund reversed immediately on the basis you were wrongly told you owed fees and late fees that were NOT payable. Tell the CCard provider the payment was made based of threats made by the gym's admin company about how much you owed.

 

Let us know how you get on with the CCard Co and ignore the gym and/or their admin company.

 

The 12 month agreement  should not have been extended because the gym was closed due to Covid - not your fault, or your problem.

[slick132]

Hi Scruffy,

 

I see no point reporting this to the FCA. The late fee charges are not lawful and not enforceable but you could say the same about Credit Card late fees - they're not lawful or enforceable but CCard providers continue to charge them.

 

As DX says, the threads here over many years all reflect the same thing - since a Test Case back in 2011, gym cases do not end up in court and do not affect your credit rating. Whether or not you cancelled at the right time, or in the right manner, the worst likely to happen is you get pestered by the Admin Co for a while.

 

With regard to the amount you paid by CCard before you found us, make sure they know you were charged unlawful late fees and felt threatened by the Admin Co.

[slick132]

Reporting to the FCA will do nothing to help you or others who have gym m/ship issues. If you want to report this, it's your prerogative of course.

 

I hope you get the refund but I fear it's unlikely, when Mastercard themselves charge late fees.

 

Time will tell ............