Thats what i thought, its only one gym and not a big chain, surely they arnt going to risk taking me to court and having to pay court fees on the chance that i can't pay! The court fees would possible be more than what i owed. My sister was a member at fitness first and she cancelled her DD, by saying theres a law that you only pay for you have used, but have since tried to google this and found nothing.

Oh no really?! So what now shall i contact the gym and ask for a copy or contact this debt agency? I thought i was onto a winner. They have recieved my request and not replied telling me this information, will that make bare any reasoning on my part if it goes to the solicitor? I feel stupid now

Phew. Great thanks!!!

A prize??? So they can't claim that the letter i sent was to do with something completely different? Then say they have lost the original or something..

Typical of me i have sent off a CCA request last week and havent dated it! I have recieved a second letter yesterday from the debt collection agency completely ignoring my request and threatening me with solicitors if i don't pay in 48hrs. Thinking i was winning, i have been rubbing my hands together. Until i re digged out the letter. I did send it recorded and it has been signed for . Will this still count or shall i send another letter confiming the previous letter and giving them another 12 day? Im worried times running out now and if they get to the solicitors before the 12 days are up i could end up with court files and solicitors fees?

LOL no it actually says contact by telephone! So it is better to ignore this letter than to write to them reminding them i take it? Thanks

Just to update.. I am starting to get nervous now and have no idea of the next step. I sent the letter off with a postal order for £1 last week. I have today recieved another letter from them totally ignoring my attempts. The letter says...my records show that this debt has still not been satisfied and you may have chosen to ignor my attempts to assist you in resolving this matter. After further investigation my client has also confirmed that there are no outstanding issues or queries pending on your account. It is in your interest that you phone me today by telephone to discuss payment of this debt. Failure of which will result in us passing your account to Stenfield Solicitors for collection through court proceedings. Any additional court costs will be added to your debt. To avoid this payments must be made by card/chq/postal order within 48 hrs. All county court judgements are automatically registered in the register or cort judgements. If paid after 28 days the judgement is endorsed satisfied/paid but kept on record for 6 years. OK whats the next step? I have checked with royal mail and the letter was delivered. They cant just slap on a CCJ without taking me to court can they?

Thanks for advice i have copied the letter and will forward it today...

Just to update, i called this company and have been told i must pay £10 to recieve a copy of the contract. I told them my solicitor says that we have a right to see this information by law free of charge minus any postage charges. They then insisted under the credit consumer act they have a right to charge £10. Is this correct? Thanks

Right great thanks, i thought that they couldn't charge this £22 without informing me or for the cost of sending a letter. I presume too then that i don't have to pay for information e.g. a copy of the signed contract (except posting charges). I just wanted to be sure before i state my rights in the phone call i am about to make?

Ok so me and my partner have some debts to pay off and so went through our finances to decide what we could shave. One being the gym at £110 per month. I cancelled the direct debit then spoke to the gym in person to ask if we could take a 2 month break until our debts were cleared. She informed me i needed to give a months notice however i had already stopped payment and so decided to ignore there calls from there on. One month later i recieved a letter saying we owed them £110 and if we didn't pay our case would be passed on to a debt collection agency. I still decided to push my luck thinking i would call there bluff. Then on Friday i recieved a letter from this agency informing me i had 48hrs to pay or they may pass my case onto their solicitors. I have also noticed they have said i owe £132.00. I presume the extra £22 is there fee yet they haven't mentioned the charge. Now i don't understand why they didn't just pass my case straight on to the solicitors..is it because it may cost them money? If so are they really going to persue me for this measly £110. Surely they are taking a greater chance paying the court fees and in the case that i may not be able afford to pay anything. Of course i wouldn't let it get this far as i don't want to end up with a CCJ but they don't know this. So do i carry on to call there bluff and wait for the solicitors letter or shall i call today to sort this out? If they can send me proof of a signed contract by myself i am quite happy to pay but can they charge me for this information? And also can they add this £22 without informing me? Many thanks!