Bannatynes took me to County Court

emerald_starcat

When I worked at Fitness First the customer would be given a copy of the application form and DD mandate.(I'm sure Bannatynes have similiar application forms.) Did the OP not keep his copy? After all when signing up for anything it is always a good idea to keep your copy of the contract.
Then all he would have to do is check his copy of the DD mandate and see which numbers were wrong - and which bank account he used.

ukk9

emerald_starcat wrote: »

When I worked at Fitness First the customer would be given a copy of the application form and DD mandate.(I'm sure Bannatynes have similiar application forms.) Did the OP not keep his copy? After all when signing up for anything it is always a good idea to keep your copy of the contract.
Then all he would have to do is check his copy of the DD mandate and see which numbers were wrong - and which bank account he used.

Bannatynes don't issue a copy of the DD, only the membership application form, hence the reason why I wasn't in possession of a copy of the mandate and needed them to remind me which bank account I had nominated.

dinglebert

ukk9 wrote: »

Bannatynes don't issue a copy of the DD, only the membership application form, hence the reason why I wasn't in possession of a copy of the mandate and needed them to remind me which bank account I had nominated.

Why? As all you were doing was having to setup a direct debit again you could have used any of your 4 other bank accounts instead.

ukk9

dinglebert wrote: »

Why? As all you were doing was having to setup a direct debit again you could have used any of your 4 other bank accounts instead.

At no point did Bannatynes inform me that they required a new DD mandate completed, all they kept on about was the wrong sort code - As far as I was concerned what they needed was the correct sort code which I was happy to give them, but I needed the information of what bank account the DD was set up with - had they asked for a new DD mandate to be completed I would have happily done that (on any of my bank accounts) - The problem was they refused to comminicate other than to demand money so weren't prepared to help me and therefore, my attitude was - I won't try and help them (wrong attitude I know - which is the entire purpose of the post, so others don't make the same mistake).

gibby

I think the big lesson here is don't get tied into contracts for gyms.
Most ppl do stop using gyms after a few months & that is how they make their money.

I had a similar battle myself & spoke to trading standards.
they told me that most rip off gyms like this use a credit agreement as its the best way to lock you in. The gym I dealt with did not tell me it was a credit agreement & did the usual trick of talking & asking lots of questions whilst I signed. They also gave me lots of info & hid the agreement with this info. If you sign on the premises you are stuffed if you want to cancel but TS did say they are trying to change the law as it is a con.

What most ppl dont realise is that if the gym goes bust & you have signed a credit agreement you still have to pay the credit firm even though the gym firm has closed.

The way out of it is to claim the credit was misold to you.

Really there is no need for credit agreements for using a gym, if you insist they will offer a monthly payment.
Considering the economic climiate its stupid to sign long term contract when firms are going bust & many ppl are losing jobs

G

Takoda

ukk9 wrote: »

So lots of posts spent slagging off other forum members makes you better than the rest of us does it - you must be leading a sad life if you judge others on the number of posts they have written.

Creditcruncher uses the words 'sad life' a lot Hmmmm.

I don't really get the post count attempted jibe but well done for trying.

Why am I so quick to judge people? Well... some posts by some members just have "muppet" written all over them. Yours was one such post. :rotfl:

HTH

Takoda

ukk9 wrote: »

At no point did Bannatynes inform me that they required a new DD mandate completed, all they kept on about was the wrong sort code - As far as I was concerned what they needed was the correct sort code which I was happy to give them, but I needed the information of what bank account the DD was set up with - had they asked for a new DD mandate to be completed I would have happily done that (on any of my bank accounts) - The problem was they refused to comminicate other than to demand money so weren't prepared to help me and therefore, my attitude was - I won't try and help them (wrong attitude I know - which is the entire purpose of the post, so others don't make the same mistake).

Oh THAT'S why you posted.

Not to brag about your ahem 'victory' then?

KeithP

gibby wrote: »

What most ppl dont realise is that if the gym goes bust & you have signed a credit agreement you still have to pay the credit firm even though the gym firm has closed.

I didn't know that.

My understanding has always been that if a service is purchased via a credit agreement, be it credit card or some other agreement, then the credit provider was equally responsible for the service. So in the example you give, once the gym stops providing the service, you stop paying.

I imagine there would be some discussion, but this MSE article seems to explain it.

Edited to add: That article also explains that some types of credit agreements are not covered by Section 75.

marleyboy

UK2010

Do you have a pro Photobucket account Marleyboy? Becauses you do seem to like your pictures!