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  • FIRST POST
    • danblukk
    • By danblukk 6th May 17, 4:36 PM
    • 5Posts
    • 0Thanks
    danblukk
    Fit4Less Harlands gym cancellation
    • #1
    • 6th May 17, 4:36 PM
    Fit4Less Harlands gym cancellation 6th May 17 at 4:36 PM
    I have been a member of Fit4Less for many years but recently became unemployed, my DD to Harlands failed to go through so in order to stop more bank charges if it failed again I cancelled the DD as I could no longer afford to go to the gym.
    Truth be told I actually found a much cheaper and closer gym to my home.

    Foolishly I didnt inform the gym and just cancelled the DD as I had done this with many gyms in the past and when asked how I cancel they just said cancel the DD. So I thought this was fine. Apparently not.

    I have just recieved a letter from Harlands saying.


    "We are writing in regards to our letter dated 19 April 2017 (I never received such letter must of got lost in the post) and have noticed that you have nt been in contact to discuss yopur memebership with Fit4Less. As stated in our first contact with you we have been notified by your bank that your DD has been cancelled and your payement due on 30th April 17 has unfortunately now been missed.

    Due to this payment being missed you have incurred a £20 admin charge which leaves your account in arrears by £39.99. We kindly ask you to contact Harlands by 16 May 17 to pay your arrears and reinstate your DD. This will cease further charges being incurred.

    PLease note you will not be able to access the club until this balance has been cleared.

    We remind you that under the terms of your membership you need to provide 1 months notice and therefore need to make another monthly payment. Failure to do so will result in further action so please contact us immediately to resolve and avoid this.

    If however you are having any problems with your membership or paymetns please contact Harlands and we will be happy to discuss your account."

    Now at the minute I cant afford 40 quid, I cant afford 40 pence.

    Do I swallow my pride and try to pay or start refusing, bearing in mind I already have depters like Moorcroft who really cant do much apart from send me letters and give me bad credit rating which I already have.

    Any advice would be much appreciated.
Page 1
    • sourcrates
    • By sourcrates 6th May 17, 5:29 PM
    • 12,654 Posts
    • 11,987 Thanks
    sourcrates
    • #2
    • 6th May 17, 5:29 PM
    • #2
    • 6th May 17, 5:29 PM
    Cancel the membership in the correct way first off, otherwise more charges will follow.
    Write and explain to harlands you are in severe financial difficulty and cannot afford £40 right now (include your reasons why) the debt will rear its ugly head from time to time, so try and pay it when you can, or pay £1 a month.

    May be worth looking at your debts as a whole, are you currently in a debt management plan at all ?

    Maybe post up an SOA of your income and expenditure.
    Last edited by sourcrates; 06-05-2017 at 5:34 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • danblukk
    • By danblukk 7th May 17, 3:20 PM
    • 5 Posts
    • 0 Thanks
    danblukk
    • #3
    • 7th May 17, 3:20 PM
    • #3
    • 7th May 17, 3:20 PM
    Thanks for the reply

    I actually looked in the Fit4Less FAQ section and it says to cancel your membership just cancel the DD and it will be canceled when the bank informs us.
    I'm guessing their gripe is I did it after a failed payment and it wasnt 7 days in advance.

    I'm not currently in dept management and am making very low payments to each dept for now. I don't see how dept management would really help with me being umemployed atm.
    • sourcrates
    • By sourcrates 7th May 17, 3:35 PM
    • 12,654 Posts
    • 11,987 Thanks
    sourcrates
    • #4
    • 7th May 17, 3:35 PM
    • #4
    • 7th May 17, 3:35 PM
    I don't see how dept management would really help with me being umemployed atm.
    Originally posted by danblukk
    Are you a homeowner ?

    Are your debts under 20k ?

    Do you have assets worth over £1000 ?

    Have a car worth over £1000 ?

    Have £50 or less left after essential bills are paid ?

    If you answered NO, YES, NO, NO YES you should consider a debt relief order.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • danblukk
    • By danblukk 7th May 17, 11:15 PM
    • 5 Posts
    • 0 Thanks
    danblukk
    • #5
    • 7th May 17, 11:15 PM
    • #5
    • 7th May 17, 11:15 PM
    I think I tried for that before but because I have a student loan it takes my debts to above 20k.
    • MakeAChange
    • By MakeAChange 8th May 17, 10:01 AM
    • 95 Posts
    • 38 Thanks
    MakeAChange
    • #6
    • 8th May 17, 10:01 AM
    • #6
    • 8th May 17, 10:01 AM
    This is not the first time I've heard of fit4less saying they have sent letters but haven't etc. I'm not saying you shouldn't pay as you did have the subscription, but I've heard a few times of them being a bit underhand.

    Just try and clear it up, it's not worth the later agro, trust me I'm still dealing with debts I didn't deal with years ago! Now I wish I had. Good luck
    • StopIt
    • By StopIt 8th May 17, 12:39 PM
    • 1,449 Posts
    • 1,238 Thanks
    StopIt
    • #7
    • 8th May 17, 12:39 PM
    • #7
    • 8th May 17, 12:39 PM
    I think I tried for that before but because I have a student loan it takes my debts to above 20k.
    Originally posted by danblukk

    Then you may need to look at a form of insolvency.


    Get help from the CAB/A Debt charity ASAP.


    Cancelling a Direct Debit is never a good idea. Always cancel any account via the proper method. In this case it looks like the straw that broke the camels back really.
    • danblukk
    • By danblukk 8th May 17, 4:03 PM
    • 5 Posts
    • 0 Thanks
    danblukk
    • #8
    • 8th May 17, 4:03 PM
    • #8
    • 8th May 17, 4:03 PM
    Then you may need to look at a form of insolvency.


    Get help from the CAB/A Debt charity ASAP.


    Cancelling a Direct Debit is never a good idea. Always cancel any account via the proper method. In this case it looks like the straw that broke the camels back really.
    Originally posted by StopIt
    I will do thanks.

    But thats what I'm saying, it actually says on there web site to cancel membership just cancel the DD so that is the correct method according to the website I've also stated this in the letter I sent them.
    • fatbelly
    • By fatbelly 11th May 17, 10:33 AM
    • 11,636 Posts
    • 8,767 Thanks
    fatbelly
    • #9
    • 11th May 17, 10:33 AM
    • #9
    • 11th May 17, 10:33 AM
    I think I tried for that before but because I have a student loan it takes my debts to above 20k.
    Originally posted by danblukk
    Student loans (as long as it is a loan from the Student Loans Company) are excluded debts and do not contribute to the total debt for a DRO.

    Neither are they written off by a DRO
    • StopIt
    • By StopIt 11th May 17, 10:50 AM
    • 1,449 Posts
    • 1,238 Thanks
    StopIt
    I will do thanks.

    But thats what I'm saying, it actually says on there web site to cancel membership just cancel the DD so that is the correct method according to the website I've also stated this in the letter I sent them.
    Originally posted by danblukk

    If they actually state that (Along with no other formal cancellation notice required) then they'll have no right to chase you per their own T&Cs.


    Read the cancellation area of their website carefully. if it backs up your case send it to the DCA and tell them where to go.
    • virgogirl13
    • By virgogirl13 5th Sep 17, 7:24 AM
    • 1 Posts
    • 0 Thanks
    virgogirl13
    fit4less
    Hi,
    Have just read this after getting the same letter from fit4less. I however did cancel my membership through their membership page with 6 weeks notice and got a reference number for this, I have since had 2 more emails from them telling me that they havent heard from me even though they have replied to my further 2 emails! I'm now very angry and they will be getting a phone call from me today. Hope you get it sorted,
    • ljs_1985
    • By ljs_1985 4th Dec 17, 7:14 PM
    • 11 Posts
    • 0 Thanks
    ljs_1985
    Update?
    HI there

    I came across your post and wondered what happened with Harlands? I'm in the same situation after seeing their FAQ page which said just cancel your DD, i did so and am now being chased for 2 months payments and a £20 admin fee. They've also since removed their FAQ pages howvever when i joined i didn't sign a contract and was given no paperwork so i don't feel like they have a leg to stand on.

    I wrote them a response confirming the FAQ page and the fact that i was never informed of a 1 month notice period however their response ignored all of that and simply asked me for the money again.

    Any advice on what i should do?

    Thanks
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