www.iva.co.uk

I'm so stupid and am now really worried. [:(]

I go along to a pay as you go gym when I can afford to and tonight I thought I was signing up to trial some new classes - just booking in for the next session.

Oh no, I was actually signing a consumer credit agreement and when I realised I nearly had a heart attack. Bursting into tears at the gym is not the way to look cool.

They gave me all the forms back - I think! They said the had. I have a white one with the actual signature and a pink and yellow carbon copy. Is this all of them and have I invalidated my IVA?

Hi Mrs Pish, don't worry you won't have invalidated your IVA.

I go to a gym on a monthly contract and never thought about invalidating my IVA to be honest, I make cuts here there and everywhere just to pay it but it usually works for me.

Hope you're feeling better now. x

Hi Mrs Pish,

Please don't worry. You won't have invalidated your IVA. I'm sure it will have been cancelled.

If you are at all concerned, contact your IP and also keep a check on your bank account to make sure nothing is taken out.

I think it would be very harsh to invalidate your IVA for a genuine mistake, after all you have realised and rectified the mistake.
If in doubt and it is worrying you, check with your IP.

no you hav,nt stop panicking theres normally 3 sheets to a form so i assume you have cancelled it and there is a 10 or 14 day cooling off period to cancel the agreement.

Thank God for that, thanks!

There is nothing to cancel I don't think. I got the forms back 45 minutes after signing them at 7:30 with an agreement with the instructor to pay her as and when.

If there are 3 sheets to a form then I'm fine as I have them all. It does say on the forms though that there is no right to cancel!

You should be ok Mrs Pish.

You hae absolutely nothing to worry about Mrs Pish - but the gym staff should have made it clear to you that they were giving you a credit agreement to sign. So many people get caught out on things like this, and sales staff should be more responsible.

I'm worrying now I've done wrong! I will get my copy out tomorrow and look, it's a years membership I know that much but only a minimum amount but I guess however much it is is wrong if I've signed one, I'll check it out in the morning. x

If you were to cancelthough would it be like car insurance and be an instant withdrawal. Thats not classed as credit is it.

Lesley - your IP will have no problem if you have entered into a gym membership agreement, being paid for out of your allowances.

Phew thank you Melanie, it's for 19.00 @ month and I only pay 9.00 as my gorgeous son pays the £10 on his membership and he does the same for my daughter pays £10 of her although hers is cheaper being a student membership. x

Leaky, I would imagine this is like car insurance where you pay monthly. x