Thanks very much for your reply. Yes I gave them 30 days notice I was cancelling, as per their requirements. If they have no legal power and don’t own the debt how do I end this battle for once and for all?

Hi guys, I've had an ongoing battle with CRS over the last 3-4 years about an unpaid debt relating to Xercise4Less. After chasing me for £234.49 it transpires that i cancelled my direct debit too soon and didnt pay the last month of my contract. (Bearing in mind i only found this out the other day). At first i ignored any correspondence from CRS as everyone on the forums said they were [problematic], but now after all this time i am fed up of being harassed and just want this over with. As the forums suggested, i asked them if they owned the debt and if it was a credit agreement. They have replied and said "We have not bought the debt but merely act as an agent on behalf of our client. This matter does not relate to a credit agreement." I'm happy to pay the £9.99, but dont feel i should pay anything else. Does anyone have any suggestions on what i should do next and how liable i am for the debt? Thoughts welcome, thanks

Hi guys, I've had an ongoing battle with CRS over the last 3-4 years about an unpaid debt relating to Xercise4less. After chasing me for £234.49 it transpires that i cancelled my direct debit too soon and didnt pay the last month of my contract. (Bearing in mind i only found this out the other day). At first i ignored any correspondence from CRS as everyone on the forums said they were [problem]mers, but now after all this time i am fed up of being harassed and just want this over with. As the forums suggested, i asked them if they owned the debt and if it was a credit agreement. They have replied and said "We have not bought the debt but merely act as an agent on behalf of our client. This matter does not relate to a credit agreement." I'm happy to pay the £9.99, but dont feel i should pay anything else . Does anyone have any suggestions on what i should do next and how liable i am for the debt? Thoughts welcome, thanks