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  • FIRST POST
    • TheManOfStraw
    • By TheManOfStraw 16th Aug 19, 4:58 PM
    • 24Posts
    • 1Thanks
    TheManOfStraw
    Xercise 4 Less / Harlands / Credit Resolution Services
    • #1
    • 16th Aug 19, 4:58 PM
    Xercise 4 Less / Harlands / Credit Resolution Services 16th Aug 19 at 4:58 PM
    Hi all

    A couple month's back, maybe three, I no longer wanted my Xercise 4 Less membership (£19.99 / month rolling contract). I rang an advisor who said they would close my account and ring me if there were any issues - I have since learned they had an old number of mine so I may not have received any follow ups on this.

    Around a month ago I found in a SPAM folder letters from Credit Resolution Services to my email saying they had received the balance from Harlands (I think they're all part of the same group). Furthermore, it has now amounted to £200 and they are passing it to another company for legal action!!

    I have responded telling them I will not be paying the unreasonable fees they have applied (£25 per letter?) and that I had cancelled it via the phone. They keep persisting that per t&c I must cancel online, and they will be proceeding with their process. Is there anything I can do here ? Even if they requested the gym membership costs to date it would only be about £60. How on earth could they get away with taking me to court for £200 ????

    Please advise.

    Thanks all
Page 1
    • sourcrates
    • By sourcrates 16th Aug 19, 5:29 PM
    • 19,098 Posts
    • 18,031 Thanks
    sourcrates
    • #2
    • 16th Aug 19, 5:29 PM
    • #2
    • 16th Aug 19, 5:29 PM
    Hi,

    From their website :

    How do I cancel my gym membership?

    We’re sorry to hear you wish to cancel your gym membership with us. Is there anything we can do to help re-engage you in your fitness journey? If so, please contact us on any of our social media platforms.


    Before we guide you on how to cancel your membership, did you know that you can freeze your membership free of charge for up to 3 months? That means that if you need to take time out from training for any reason, you can. You can freeze your membership by clicking here.


    If you’re set on your decision to leave, you can submit your 30 days’ notice to cancel on the form on our app or here.

    All you need is the email address that you initially used to sign up or your reference number.
    Once you have done so, please allow 30 days for us to process your cancellation, during this time one more payment will be taken, and you will receive an email confirmation that your account has been cancelled.
    We also ask you to keep your direct debit intact as we cancel this for you, and we wish you a smooth exit from Xercise4Less.

    ************************************************** **************
    Makes no mention of any phone calls been nessessary ?

    Like everything, there is a correct way to cancel, and an incorrect way, you should not have relied on their paid employee to do this for you, I found this in 30 seconds.

    Until an actual claim form or a pre-action letter, lands on your doormat, its all just hot air, and all options to retrieve this are still open to you.
    Last edited by sourcrates; 16-08-2019 at 5:36 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, 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 expressed are mine and not the official line of MoneySavingExpert.com.
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • TheManOfStraw
    • By TheManOfStraw 16th Aug 19, 5:34 PM
    • 24 Posts
    • 1 Thanks
    TheManOfStraw
    • #3
    • 16th Aug 19, 5:34 PM
    • #3
    • 16th Aug 19, 5:34 PM
    Hi sourcrates thanks. It doesn't say any mention of having to cancel online, is that what you mean?
    Thanks for finding that. I will forward it to them.

    edit: I actually thought ringing up the company and asking their employees to cancel my membership as a suitable way to cancel my membership. Is it not?

    I also don't understand your last sentence, sorry, what options are available to me? To retrieve what?
    Last edited by TheManOfStraw; 16-08-2019 at 5:37 PM.
    • sourcrates
    • By sourcrates 16th Aug 19, 5:54 PM
    • 19,098 Posts
    • 18,031 Thanks
    sourcrates
    • #4
    • 16th Aug 19, 5:54 PM
    • #4
    • 16th Aug 19, 5:54 PM
    Thats their cancelation policy copied from their website (above).

    If you don`t follow correct procedure, unfortunatly this is what happens, your request to cancel would seem ok to me, but then those are their rules, not mine.

    Options to retreive the situation before possible court action, ring them up, speak to the manger/customer service centre, whoever has the most clout, instead of been defencive, be contrite, say you thought you were doing the right thing, you were unaware you should cancel online blah blah blah.

    Ask them to cancel the fee`s, and come to an amicable arragement over the outstanding balance.
    Last edited by sourcrates; 16-08-2019 at 5:56 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, 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 expressed are mine and not the official line of MoneySavingExpert.com.
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • TheManOfStraw
    • By TheManOfStraw 16th Aug 19, 5:58 PM
    • 24 Posts
    • 1 Thanks
    TheManOfStraw
    • #5
    • 16th Aug 19, 5:58 PM
    • #5
    • 16th Aug 19, 5:58 PM
    sourcrates do you think it's reasonable for a £19.99 to turn into a £200 bill a few months down the line ? I personally feel like i've been abused my big corporations and am sat wondering how they can get away with this ?

    Yes I didn't cancel like it says on their website but is it silly of me to ring up a company and ask to cancel my membership. One would make the assumption that's and OK thing to do anyway. I can afford their balance but don't want to pay it out of principal as I feel I've been robbed. Big companies trying to prey on vulnerable again.
    • sourcrates
    • By sourcrates 16th Aug 19, 6:55 PM
    • 19,098 Posts
    • 18,031 Thanks
    sourcrates
    • #6
    • 16th Aug 19, 6:55 PM
    • #6
    • 16th Aug 19, 6:55 PM
    sourcrates do you think it's reasonable for a £19.99 to turn into a £200 bill a few months down the line ? I personally feel like i've been abused my big corporations and am sat wondering how they can get away with this ?

    Yes I didn't cancel like it says on their website but is it silly of me to ring up a company and ask to cancel my membership. One would make the assumption that's and OK thing to do anyway. I can afford their balance but don't want to pay it out of principal as I feel I've been robbed. Big companies trying to prey on vulnerable again.
    Originally posted by TheManOfStraw
    Which is why you discuss it with them, ask them to break down what’s been charged, you stand a much better chance of a good outcome if you are nice about it.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, 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 expressed are mine and not the official line of MoneySavingExpert.com.
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • TheManOfStraw
    • By TheManOfStraw 16th Aug 19, 7:25 PM
    • 24 Posts
    • 1 Thanks
    TheManOfStraw
    • #7
    • 16th Aug 19, 7:25 PM
    • #7
    • 16th Aug 19, 7:25 PM
    Because they’re vultures and they prey on the vulnerable , they don’t understand the language you refer to. I tried that
    • Karonher
    • By Karonher 16th Aug 19, 7:43 PM
    • 730 Posts
    • 2,424 Thanks
    Karonher
    • #8
    • 16th Aug 19, 7:43 PM
    • #8
    • 16th Aug 19, 7:43 PM
    In that case it seems that the best option will be to pay up before it rises again.

    If you’re set on your decision to leave, you can submit your 30 days’ notice to cancel on the form on our app or here.

    It does say what you should have done on the website. While it seems it is a lot to add on, the people involved in taking action don't work for free and the company no doubt feel that they should not have to pay for your mistake.
    Getting ready for Christmas 2019

    Aiming to make £5,000 online in 2019.
    • TheManOfStraw
    • By TheManOfStraw 16th Aug 19, 7:58 PM
    • 24 Posts
    • 1 Thanks
    TheManOfStraw
    • #9
    • 16th Aug 19, 7:58 PM
    • #9
    • 16th Aug 19, 7:58 PM
    Karonher:

    They’ve sent me 5 letters attached to email in my spam folders. Are you telling me their minimum wage employees have incurred £180 in costs for sending 5 identical templated letters ? I reckon it takes 10 minutes to send each email max so are you telling me charging their employees out at £216 is reasonable ? Do they have PHDs ?
    • TheManOfStraw
    • By TheManOfStraw 16th Aug 19, 8:01 PM
    • 24 Posts
    • 1 Thanks
    TheManOfStraw
    And I won’t pay it the financial Ombudsman Service ought to do something about these vultures if it is indeed legal. I have debtors in my business who are past their terms. Can I send them emails chasing them and add 25 per email on (with no acknowledgment of receipt) ? I find it difficult to believe you think this is reasonable. Where do you work out of interest
    • sourcrates
    • By sourcrates 16th Aug 19, 8:41 PM
    • 19,098 Posts
    • 18,031 Thanks
    sourcrates
    I don’t think it’s reasonable, that’s why I suggested you dispute it.
    Unfortunately, and with the greatest respect, getting mad and giving them attitude its no surprise they would not work with you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, 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 expressed are mine and not the official line of MoneySavingExpert.com.
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
    • WhenIam64
    • By WhenIam64 17th Aug 19, 7:09 AM
    • 986 Posts
    • 658 Thanks
    WhenIam64
    I don’t think it’s reasonable, that’s why I suggested you dispute it.
    Sound advice but to stop it getting any further, do a Subject Access Request to all three for your personal data. That should show your call and the details of it.

    If it does get to a court, and even though there are hoops that these companies insert (unreasonably) into cancellation clauses, judges have the option to use common sense in the matter. But a judge needs to have the evidence (Subject Access Request) in front of him/her.

    If the SAR shows the call and confirms the verbal confirmation, tell the debt collector to swivel or take you to court ASAP.
    Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.
    • Karonher
    • By Karonher 17th Aug 19, 10:16 PM
    • 730 Posts
    • 2,424 Thanks
    Karonher
    Karonher:

    They’ve sent me 5 letters attached to email in my spam folders. Are you telling me their minimum wage employees have incurred £180 in costs for sending 5 identical templated letters ? I reckon it takes 10 minutes to send each email max so are you telling me charging their employees out at £216 is reasonable ? Do they have PHDs ?
    Originally posted by TheManOfStraw
    I clearly said that it seems a lot to add on so I don't know why you are suggesting I find it reasonable. There will be a legal level of charges that they can make. I doubt they have PhDs but as long as they are charging you what they are legally allowed to then the level of education will be irrelevant.

    It's a hard lesson to learn but it seems you have not followed the proper procedure and are being charged for it. You have been told to challenge it if you don't agree so that will be the best way forward. It will be advisable if you cut out the name calling if you do.

    I am not sure if you are asking me or soucrates where we work but if it is me I am a Teaching Assistant who works through agencies though I have no idea why that would be relevant.
    Last edited by Karonher; 17-08-2019 at 10:27 PM.
    Getting ready for Christmas 2019

    Aiming to make £5,000 online in 2019.
    • Jeems
    • By Jeems 18th Aug 19, 5:52 AM
    • 193 Posts
    • 130 Thanks
    Jeems
    sourcrates do you think it's reasonable for a £19.99 to turn into a £200 bill a few months down the line ? I personally feel like i've been abused my big corporations and am sat wondering how they can get away with this ?

    Yes I didn't cancel like it says on their website but is it silly of me to ring up a company and ask to cancel my membership. One would make the assumption that's and OK thing to do anyway. I can afford their balance but don't want to pay it out of principal as I feel I've been robbed. Big companies trying to prey on vulnerable again.
    Originally posted by TheManOfStraw

    Thats where you went wrong. Never assume. Its not reasonable but the fee's are probably in their Ts and Cs somewhere which you signed. No one abused you and you are not vulnerable. Stop being dramatic and speak to the company and sort it out.
    • WhenIam64
    • By WhenIam64 19th Aug 19, 6:12 AM
    • 986 Posts
    • 658 Thanks
    WhenIam64
    No one abused you
    I'm going to disagree with that one. The days of "it's in the small print" are over. Have been for many years with the various consumer rights acts.

    Replacing it with "it's on the internet" isn't going to fly either.

    See unfair terms

    https://www.which.co.uk/consumer-rights/advice/i-think-theres-an-unfair-term-in-my-contract-what-can-i-do

    If it seems like a scam, and they act like scammers, report them to Trading Standards too - once you have the information.
    Last edited by WhenIam64; 19-08-2019 at 6:16 AM.
    Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.
    • TheManOfStraw
    • By TheManOfStraw 21st Aug 19, 12:08 PM
    • 24 Posts
    • 1 Thanks
    TheManOfStraw
    I'm going to disagree with that one. The days of "it's in the small print" are over. Have been for many years with the various consumer rights acts.

    Replacing it with "it's on the internet" isn't going to fly either.

    See unfair terms

    https://www.which.co.uk/consumer-rights/advice/i-think-theres-an-unfair-term-in-my-contract-what-can-i-do


    If it seems like a scam, and they act like scammers, report them to Trading Standards too - once you have the information.
    Originally posted by WhenIam64
    I would like to thank you. After referring to unfair terms and requesting a SAR, they have now waived all of the amounts they were demanding. Of all the posters on the thread only you seemed to offer true sound advice without judgement - thank you
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