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Gym membership direct debit

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  • 19-06-2019 9:51pm
    #1
    Wexforllion
    Registered Users Posts: 34 ✭


    Sorry if this is a stupid question.

    But if a gym offers a yearly membership that is direct debited from my bank account yearly, is there anything stopping me just cancelling card or having bank reject payments.

    I want to sign up but dont want to commit to a year.


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    #2
    mcgragger
    Registered Users Posts: 438 ✭✭mcgragger


    Wexforllion wrote: »
    Sorry if this is a stupid question.

    But if a gym offers a yearly membership that is direct debited from my bank account yearly, is there anything stopping me just cancelling card or having bank reject payments.

    I want to sign up but dont want to commit to a year.

    Most gyms will say a 12 month DD in the small print. Just ask them. Ben Dunne in Fonthill just charge by the month for example and you can cancel freely if you wish but the NAQ tell you it's DD but you ar3 liable for 12 months


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    #3
    Wexforllion
    Registered Users Posts: 34 ✭Wexforllion


    mcgragger wrote: »
    Most gyms will say a 12 month DD in the small print. Just ask them. Ben Dunne in Fonthill just charge by the month for example and you can cancel freely if you wish but the NAQ tell you it's DD but you ar3 liable for 12 months

    Gym said I cant cancel.


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    #4
    mcgragger
    Registered Users Posts: 438 ✭✭mcgragger


    Wexforllion wrote: »
    Gym said I cant cancel.

    Well There's your answer.
    You'll get a bill if you cancel your DD


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    #5
    Wexforllion
    Registered Users Posts: 34 ✭Wexforllion


    mcgragger wrote: »
    Well There's your answer.
    You'll get a bill if you cancel your DD

    And if I dont use the gym and just ignore bill?
    Will they really chase on this?


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    #6
    TimeToShine
    Registered Users Posts: 4,881 ✭✭✭TimeToShine


    Of course you can cancel, the salesman is selling you a big fat one. Open your online banking and cancel the direct debit or go into your branch and do it. Also I've never heard of an annual direct debit, either you pay for a year's use up front (works out cheaper overall) or pay an "admin" fee plus monthly DD.


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    #7
    mcgragger
    Registered Users Posts: 438 ✭✭mcgragger


    Wexforllion wrote: »
    And if I dont use the gym and just ignore bill?
    Will they really chase on this?

    Have you signed already?


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    #8
    is_that_so
    Registered Users Posts: 32,136 ✭✭✭✭is_that_so


    Wexforllion wrote: »
    And if I dont use the gym and just ignore bill?
    Will they really chase on this?
    That's a risk you'll have to take if you have signed a contract and agreed to the T&C. Surprised they don't offer the monthly option. I have had both available to me in various gyms and I assumed it was standard.


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    #9
    Del2005
    Registered Users Posts: 18,915 ✭✭✭✭Del2005


    TimeToShine wrote: »
    Of course you can cancel, the salesman is selling you a big fat one. Open your online banking and cancel the direct debit or go into your branch and do it. Also I've never heard of an annual direct debit, either you pay for a year's use up front (works out cheaper overall) or pay an "admin" fee plus monthly DD.

    The OP has signed a contract for a years membership and most of the monthly payment plans are similar to a loan agreement. But in Ireland it's not worth chasing low amounts of debt so most companies let it slide.


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