Hi all, I'm back! I've had many phone calls and a couple of letters from CRS since February, all of which I've ignored. I received a text two days ago from Zinc Group with a link to a letter. The letter basically just states what they say I owe and that I can either; pay a one off payment, three instalments or set up a weekly/fortnightly or monthly plan to suit me to pay it. It states at the bottom "Should you choose to pay a full and final settlement our client will update your credit file as ‘partially satisfied’." Do I still ignore them or do I need to send a letter to Zinc? Many thanks for you help

I joined Gymetc in November 2015, cancelled my direct debit in October 2016 after phoning the gym and being told I should cancel my direct debit. 2nd November 2016 my first letter from Harlands - I phoned them explained I had cancelled, I was told to phone the gym as they hadn't cancelled my membership. When calling gymetc said I should provide written notice of cancellation, I emailed them the same day asking them to cancel my membership and also mentioning I had contacted them by telephone in October. Another letter from Harlands 30th November 2016 adding more money onto what they say I owe - I again called explaining and they said they would get in touch with Gymetc as they hadn't received notification of my cancellation. I called Harlands a week later asking if they had a reply from the gym which they hadn't. They were chasing it. 10th January letter from CRS (Harlands) adding more fees. I again called and they we're again calling Gymetc to query. 8th February another CRS letter - the one where they threaten legal action. Since cancelling I found out I didn't start paying my 12 month contract until January 2016. I therefore believe I owe two monthly amounts to complete the 12 months, £21.99 x 2 = £43.98. I found CAG and started reading similar stories, I will no longer talk over the phone and have ignored text messages and calls since. I sent a letter to Harlands/CRS using a template I found on here. I offered £43.98 and a response within 14 days. I've received a letter today declining my offer of £43.98. It starts by saying cancelling my direct debit was not adequate notice of my intention to cancel. It mentions the case of the office of fair trading versus Ashbourne Management services ltd. It waffles on about all the charges and that I owe £196.48 but they would be willing to accept a reduced sum of £146.48. What would you advise I do next? Many thanks for your help!