Weight Loss Protection

If losing weight and getting healthier is on your 2016 agenda, Better Business Bureau has advice that can help you evaluate fitness clubs, gyms or weight-loss programs to avoid scams and find reliable businesses. Many of these programs come with contracts and terms consumers need to read and understand before making a commitment.

BBB receives thousands of complaints every year about weight control services, health and diet products as well as gyms and health clubs. Common complaints include never receiving products ordered, results that were not as advertised, products that caused an adverse reaction or problems canceling a gym membership.

The Federal Trade Commission took action in 2015 against more than a dozen firms selling bogus weight loss products ranging from cactus juice to a phony weight loss belt. Consumers lost millions of dollars to these scams.

Misunderstandings about contract terms are common with fitness and weight loss programs. Consumers need to ask questions and read contracts carefully to be sure they know how to cancel, what kind of notice is required and whether the gym will refund the unused portion of a contract. Some contracts automatically renew unless you cancel.

Before starting a weight-loss program, BBB advises consumers to consult a doctor for an assessment of over-all health risks. The doctor may recommend options for losing weight or exercise programs that fit your health status and your ability to stick with a program.

If your doctor prescribes a medication to assist in weight loss, ask about complications or side effects. Tell the doctor about other medications or over-the-counter drugs and dietary supplements you may be taking, and report any changes you experience after taking the medication to the doctor.

Before you invest in diet or fitness plans or products, BBB offers these eight tips:

* Avoid products that claim to help you lose weight without diet or exercise. Doctors, dieticians and other experts agree that losing weight takes work. Pass up any product that promises miraculous results without any effort.

* Be skeptical of claims that you don't have to give up favorite foods or reduce the amount you consume. Try filling up on healthy vegetables and fruits so you can resist high-calorie treats. However, eliminating all your favorites could set you up to fail. It's better to limit portion size or how frequently you indulge.

* Determine your fitness goals. It's hard work to lose weight. Find a program you can stick with, and preferably one that you enjoy. Does a weight loss plan require you to buy special foods? Can you cancel if you move or find that the program doesn't meet your needs?

* Find a health club or exercise facility that is convenient and that offers times that fit your schedule.

* Visit the facility before joining. Check on cleanliness, adequacy of space, machines and instructors. Ask if you can try the facility out before you join. If the facility closes, can you transfer your membership to another facility?

* Consider your budget. Ask the health club about "joining" or enrollment fees and ongoing monthly costs.

* Read the entire contract. What's included in the monthly fee and what will cost you extra? What is the total cost, including enrollment fees and finance charges?

* Understand your rights to cancel your contract. Missouri laws give consumers the right to cancel a health club contract within three days of signing it. The law says three business days, but if the facility is open on the weekends, those days may count as business days.