Cancelled Total Fitness DD

Rachel_1990

I posted on here a couple of weeks back saying that I wanted to cancel my cotnract even tho the membership wasn't up yet, anyway I did ended up just cancelling the DD, but now I've found out thru research that they can charge interest. They haven't been in touch as yet, but if they do get in touch via letter, if I pay upfront automatically, will I avoid interest?

Thanks! :j

lucylucky

Have you terminated your contract with them?
If not you are in breach of the contract and they may well come after you for any monies owed, which will do your credit rating no good.

Rachel_1990

I just cancelled the DD cause I wasn't going, in the hope I could get away with it as I know people who have, but what I mean is if they take the first step and send me a letter requesting payment and I pay them no questions asked, will that be the end of it?

lucylucky

You will need to pay them for the remainder of the contract obviously, and they will ask you to re-instate the DD

AndyAndyAndy

I'm not legally qualified or anything but as far as I know that would be it. I think the only way they can touch your credit rating is by getting a county court judgement by proving to a court that you have a debt with them. If they request the money and you arrange payment then there will be no debt and therefore no court case. I therefore believe that would be the end of it yes but will happily be corrected by anyone with evidence otherwise.

Hope that helps

whatmichaelsays

They will expect full payment for the remainder of the agreed term. If you sign a contract for 12 months, they will expect you to pay for 12 months worth of membership.

Cancelling the direct debit does not cancel the contract - far from it. They will be in touch with you.

pinkshoes

Rachel_1990 wrote: »

I just cancelled the DD cause I wasn't going, in the hope I could get away with it as I know people who have, but what I mean is if they take the first step and send me a letter requesting payment and I pay them no questions asked, will that be the end of it?

As I told you in your last post:

If you cancel your DD, then they are quite entitled to chase you for the rest of the contract until it's officially over, or you cancel (and pay the notice period owed).

If you then don't pay, then they can take you to court, send in bailiffs, and you could end up with a CCJ and poor credit rating.

They have 6 whole years to chase you for the debt.

I'd send them a recorded delivery letter stating that you're cancelling your contract, otherwise they might claim your membership has continued for another year!

Cancelling a DD is not cancelling a contract.

Optimist

I agree with the above, cancelling your direct debit is only going to give you more grief than its worth.

I don't know when you signed up but last year Total Fitness committed to change its Terms and Conditions to make them fairer to consumers. Your contract should give you details of how to cancel your contract. If in doubt ask them what notice they need.

Chimpofdoom

*sigh*

We told you this before and you've blatantly ignored what we advised.

I would follow pink's advice now.

DVardysShadow

AndyDent93 wrote: »

I'm not legally qualified or anything but as far as I know that would be it. I think the only way they can touch your credit rating is by getting a county court judgement by proving to a court that you have a debt with them. If they request the money and you arrange payment then there will be no debt and therefore no court case. I therefore believe that would be the end of it yes but will happily be corrected by anyone with evidence otherwise.

The above is correct as far as it goes.

But sometimes these companies do not sign you up for a monthly paid subscription. They sign you up for an annual single fee subscription, backed by a credit agreement to be paid monthly. In this case, they can trash your credit record after very few months of default and without a CCJ

claretmatt

I have two friends who did a similar thing and cancelled their direct debits. Within a short space of time they received solicitor and baliff letters. They had not even received a letter from Total Fitness first although they were adament that these were sent. One rejoined and the other contested the contract and ended up with registered CCJs and large court costs including interest on the outstanding balance at 8% I think.