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Hello, I am looking for some help with regards to a letter in received from Credit Resolution Services in regards to an outstanding payment for my gym member ship ' Peak Physique Fitness in Hitchin stating I owe them £235.50 They claim I sign up via online sign up process for the membership which I advised I never had as this was with the gym were in person at the gym but they just don't appear to understand what I am telling them. They also state upon providing my bank details email address name and date of birth tjat I agree to pay £25.00 per month. I signed up March 2016 but had no paperwork at all as I just game them my debt card details and email address. They advised me that a signature on a contract is not always necessary for a contract to be formed. I been in contact with the Citizen Advice Burea and they believe this not a regulated finance agreement in place and they asked me to find out if the gym is part of a trade association - I have emailed the gym to enquire about this I never revived another letter and threatens Court Action (CCJ). They also including the handling fee of £66.50 included in the £235.35 I owe them. I know I cancelled the gym membership within 12 months but I have never been provided a contract or signed up online and the gym had never contacted me in regards this , instead I get this letter from the debt company. I see on this site it mentions a template letter but I was unable to locate it but any advice would be appreciated in regards to this as this starting to worry me alot. I rather deal with the gym direct but its very frustrating they can not provide any gym contract or nay durable form to back up there charges.with the gym were in person at the gym but they just dont appear to understand what I am tellling them. I signed up March 2016 but had no paperwork at all as I just game them y debt details and email address. They advised me that a signature on a contract is not always necessary for a contract to be formed. I been in contact with the Citizen Advice Burea and they believe this not a regulated finance agreement in place and they asked me to find out if the gym is part of a trade association - I have emailed the gym to enquire about this I never revived another letter and threatens Court Action (CCJ). They also including the handling fee of £66.50 included in the £235.35 I owe them. I know I cancelled the gym membership within 12 months but I have never been provided a contract or signed up online and the gym had never contacted me in regards this , instead I get this letter from the debt company. I see on this site it mentions a template letter but I was unable to locate it but any advice would be appreciated in regards to this as this starting to worry me alot. I rather deal with the gym direct but its very frustrating they can not provide any gym contract or nay durable form to back up there charges. Gym arrars letter.pdf