Ballys total fitness credit?

Question

my friend at the time offered me to come to ballys with her for a 2 week trail period i met up with her and when we went to ballys instead of going to work out we was sat in a room for 3 hours talking about our weight and how can we be happy with our slefs looking the way we do at the time i was 18 im now 22 anyway we kept telling the fitness guy no we dont want to sign up we thought we won 2 weeks free at ballys he still was being presistant i even told him i had no job to pay for services the guy kept on talking about us and putting us down we even tried to get up and he blocked the door my friend took this as a joke and continued to let him try to talk us in to signing up she ended up getting the two year plan he informed me that i qualify for a free year becuase she was signing up i thought that was great stupid me and gave him my debit card i never went back to the gym after that now 4 years later i have this nasty creditors callin and hassing me i tried everything please help me

they told me that two just say that you moved too far away or write a letter saying you hurt yourslef the only thing is that its on my credit report and they are saying i need to pay them so im pissed also they have the nerve to send me a letter saying its tax season this would a nice time to pay your depts the nerve of them to tell me what to do with my taxes

Answer 1

Once upon a time I was getting lots of offers.....

"Come on out to our campgrounds! Just for visiting you will receive a free 9" B/W TV".....or chainsaw, rubber raft, game system...you name it! Lots of cool stuff!

The catch is you had to get a tour of the campgrounds (they were selling memberships), sit through a video presentation, and then go through the high-preasure sales routine of the salesman.

Problem was you don't get the prize until you sat through all of this stuff.

And the salesman couldn't give you the prize until he had a chance to sell you a membership.

So, bottom line...just telling this guy "NO" won't work! You gotta play the whole game.

So.....Now I'm the owner if a B/W TV, game system, chainsaw, rubber raft, and lots of cool stuff from 15 campgrounds around Michigan.

And I have memorized this cool sales promotion to the point that I could probably get a job as a salesman.

You just have to go to these places with the attitude and understanding that you know what's about to happen, and you just have to sit and take it. Just keep saying "NO!". Don't offer an excuse, because they are trained to have an answer for every excuse you have.

"I can't sign a lease because I have cancer, and will be dead in 6 weeks!".

"Well....that's not a problem! You can transfer this membership over to your kids after you die!"

"I don't have a trailer, ever since the tornado blew it away, along with my home and 3 kids!"

"Well...no problem! We can rent you a fully furnished trailer! We will even have it set up for you on your site!"

Hey....you wanna Gym membership???????

Answer 2

OMG I had almost the same thing happen to me and my husband with them. I was only 17 then and by law it is illegal to sign a contract like that if you are under 18. I told the guy I was only 17 and the guy was like thats ok we'll just put down a different birthdate. We told him we didn't think we could afford the monthly fee's so we didn't want to get into a contact. He was like thats ok if you change your mind you just send them a letter saying you moved more then 25 miles from here and they will cancel it. Well we did that, and they did not cancel. Up until we filed bankruptsy last year we still got a letter from them ever year at tax time offering us a low price pay off. I just laughed and threw the letter away. You could try and see if telling them that you moved will work. If they are taking money from your debit card PUT A STOP ON IT NIOW!! Then just tell them where to go and how to get there. We got threats for like the first year or so then it was just pay off offers. I wouldn't sweat them. Do try and convince them you moved 25 miles or more away from any balley's and see if that works. Good luck and piss on em!!!

Answer 3

i've got discovered that those wellness club contracts are drawn up with very few loopholes. They make it very confusing to break them. you would be able to locate a manner, via making use of the warriors and Sailors alleviation Act. This regulation exchange into replaced in 2003 to help human beings interior the national look after or reserves, because of the fact they have been being referred to as into lively duty. by using drastic exchange in earnings, many have been finding their families evicted from their residences, or having default judgements placed on loans that they could pay. multiple the provisions utilized to rentals and different kinds of apartment contracts. i'm unsure if wellness golf equipment are lined. yet you ought to touch your employer criminal advisors for this suggestion. via invoking the SSRA you would be voiding the settlement, and which could get the unfavourable credit history deleted. If this would not artwork, your basically different desire is via following Echo's suggestion and use the dispute procedures. yet i do no longer think of this is going to be successfull for you. Like I reported, Bally's is directly to this game, and that they do no longer play advantageous with settlement breakers.

Answer 4

OK.

1) you need to get a copy of your credit report by going to annualcreditreport.com and determine if this item is even on your credit report!

2) if it is on your credit report (listed as derogatory information), you need to dispute this debt by contacting all three credit bureaus first (Experian, Equifax, & Transunion) please google their addresses. Also copy the nasty creditors on these letters and mention that you are disputing this debt "in accordance with the Fair Credit Reporting Act." Send the letters certifed please (no need for return receipt requested). Keep copies of the postal receipts as proof of mailing.

3) As a result of your dispute, the creditors (and possibly the gym) will be required to furnish proof to the credit bureau to validate the debt. Your furnishing a debit card # alone is not proof of a valid debt. Also, a debit card receipt is not proof of a valid debt -- but to this day, I am still wondering why you must give up your debit card info to get something that is FREE?

The gym should furnish an application with your name on it, which you signed that obligates you to pay a certain dollar amount each month for a certain period of time. This application would possibly also state the terms and conditions of the agreement.

The credit bureau will inform you of the results of their investigation and if they have the smoking gun, they will give you a copy as well.

If the creditors do not respond to the credit bureau conducting the investigation on your behalf within 30 days, the credit bureau will remove the derogatory information and notify you accordingly.

4) If the gym debt is not on your credit report, then dispute the debt directly with the creditor in accordance with the Fair Credit Reporting Act (FCRA). Send them a letter in writing saying that you are disputing the debt in accordance with the Fair Credit Reporting Act and that you want proof of a contractual agreement. As such, they need to provide an application or contract with your name on it as well as your signature.

If you signed something like this, then you need to negotiate because you are, in fact, legally liable. If they can not furnish you valid proof within 30 days, then send them another letter (certified) that they have failed to respond in accordance with the FCRA.

5) If they continue to harass you, remind them that you are aware of your rights under the Fair Debt Collection Practices Act and that you will report their violations to the Federal Trade Commission.

Answer 5

Bally's has had to go to court before and lost on this type of situation. I've heard it in the news. You should really go to a lawyer to see what you are obligated to and what they have to do for this situation. If you signed a contract, you are under some type of obligation. It's not bally's fault that you didn't go.
But as for the tactic and type of contract, you should go to a lawyer.

Answer 6

Good answer Da Man!
Take his advice!