Need advice...
Judyjoins a well known fitness club on March 13, 2006. She signs a contract stating that she will pay X number of dollars per month for membership for 12 months, (not necessarily 12 months in consecutive order). She is told that in order to pay she must have it set-up to take auto payments from her bank account. Judy opens a separate savings account and completes the proper paperwork so that only this fitness club will be auto paid from it. After a few months Judy for personal reasons needs to suspend her membership for three months. She had upon joining been assured that this was something that people often do but her contract will be extended by the number of months she puts her membership on hold. She also questioned the procedure for membership fees during a hold and was told that after she completes the proper paper the fees will be suspended for the period of time notated on it and will resume at the end of the membership hold. She also asked when the paperwork must be turned in and was told it should be in prior to her due date which is the date she joined, i.e. the 13th of the month she wishes to begin her hold. On July 11, 2006 she completes and delivers to the club, the proper paper which notes the dates for the hold she wishes (July 13 to October 13, 2006) with auto pay resuming on October 13. She also notifies her bank that this membership fee has been put on hold and that no money should be auto paid from that account until October 13 when it should resume. On August 25, 2006 Judy receives a letter from the club stating that they had tried to withdrawl the membership fee for July and was denied by Judy's bank. They requested that Judy reimburse them the July membership fee plus a stop payment fee they received from the bank. The reason stated to Judy for owing this money to them was that they had already sent the auto draft to the bank PRIOR to Judy coming in to put her membership on hold. Judy went to her bank and verified the date that this fitness club tried to do the auto pay it was July 19, 2006, EIGHT days after Judy had turned in the proper paperwork to put this fee on hold. Does she owe them money for the July membership fee and the bank charges? Didn't they illegally try to withdrawl money from her account since the fee had been put on hold for the months of July, August and September and they were fully aware of this per their own policy??? She has copies of all paperwork turned into to this club which is signed and dated. Thanks for any advice....*s*
Judyjoins a well known fitness club on March 13, 2006. She signs a contract stating that she will pay X number of dollars per month for membership for 12 months, (not necessarily 12 months in consecutive order). She is told that in order to pay she must have it set-up to take auto payments from her bank account. Judy opens a separate savings account and completes the proper paperwork so that only this fitness club will be auto paid from it. After a few months Judy for personal reasons needs to suspend her membership for three months. She had upon joining been assured that this was something that people often do but her contract will be extended by the number of months she puts her membership on hold. She also questioned the procedure for membership fees during a hold and was told that after she completes the proper paper the fees will be suspended for the period of time notated on it and will resume at the end of the membership hold. She also asked when the paperwork must be turned in and was told it should be in prior to her due date which is the date she joined, i.e. the 13th of the month she wishes to begin her hold. On July 11, 2006 she completes and delivers to the club, the proper paper which notes the dates for the hold she wishes (July 13 to October 13, 2006) with auto pay resuming on October 13. She also notifies her bank that this membership fee has been put on hold and that no money should be auto paid from that account until October 13 when it should resume. On August 25, 2006 Judy receives a letter from the club stating that they had tried to withdrawl the membership fee for July and was denied by Judy's bank. They requested that Judy reimburse them the July membership fee plus a stop payment fee they received from the bank. The reason stated to Judy for owing this money to them was that they had already sent the auto draft to the bank PRIOR to Judy coming in to put her membership on hold. Judy went to her bank and verified the date that this fitness club tried to do the auto pay it was July 19, 2006, EIGHT days after Judy had turned in the proper paperwork to put this fee on hold. Does she owe them money for the July membership fee and the bank charges? Didn't they illegally try to withdrawl money from her account since the fee had been put on hold for the months of July, August and September and they were fully aware of this per their own policy??? She has copies of all paperwork turned into to this club which is signed and dated. Thanks for any advice....*s*
