Does a gym have any legal right to insist on seeing a doctor’s note/medical records if someone wants to leave on medical grounds? My mother has been diagnosed with a condition that she finds quite embarrassing and does not want to let the gym know the details of it. She has told them she isn’t very well, and a letter has been sent from her GP saying the same, but not including specific details. The gym are stating that they are entitled to see the details of her condition if she wants to leave, and if she does not provide them with the evidence, then she will be taken to court for refusing to pay her monthly bill. Alternatively she can pay £250(!) to cancel her membership. I was under the impression that medical records were under strict lock and key, more so than many other types of data. As a result, I assumed that this data would only ever be available to people in the medical profession who have a need to see them to assist in a case or to the patient themselves. I also don’t know on what basis they will say that her condition is 'bad' enough for her to leave the gym. Unless the staff have medical training, on what grounds can they say that her condition is/isn’t enough for her to leave the gym? They are claiming to have never have received the letter from her GP, and even had the cheek to say that if they did receive it, they would still need further information! Her GP sent the first letter free of charge, however has said for another it will cost £25. (Not a problem, but it’s the principal now) I would be grateful for any thoughts and advice on what to include in a letter to them, including any relevant legislation in her favour. Many thanks

Hi all, Just after some advice really onto my next step. My mother took out home insurance with Tesco Home Inusrance in August last year. Within 10 days she had changed her mind and decided against using them for home insurance. She called Tesco to cancel, and they requested that she put it in writing, which she did. Roll on 4 months and we have Moorcroft calling and writing every few days to claim £44.31. In the original terms from Tesco, it said that you are able to cancel the insurance within 14 days and any premiums paid would be refunded. I wrote to Moorcroft informing them of this. They seemed to have ignored the letter, and continue to send very threateneing (and quite upsetting for my mother) letters demanding payment before litigation. Today arrived a letter from 'Midas Legal Services' on behalf of Moorcroft, giving a litigation warning. I was furious at this letter, as only 4 weeks ago I sent a letter to Moorcroft saying that I disputed the amount, and asked for a copy of the terms and conditions of the agreement which she signed. Upon calling them today, I spoke to a very rude young man who said that to them the dispute had been resolved, as they had sent me a letter saying so (This has never arrived - he said he would read it to me from an email he has). I offered him proof of why there is no debt (bank statements, letters of cancellation) and he basically called my mum a liar, saying for all he knows she could have more than one bank account. He then went on to tell me that they did not have to supply me with any documents, as it is my mum who is in the wrong, and down to her to sort it out. He said that the dispute was closed. I queried this as I have not been informed about anything, and he told me that it is resolved because Tesco have said I owe it. I asked how it can be resolved if nothing has changed, and no one has answered my query or provided me with any proof that I owe the money. He got me very angry and upset, and he was clearly not listening to a word I was saying, so I hung up the phone. I would like to call back when im calmer, but dont want to get pushed into the same place again, where I have nothing to say and come over all defensive, as I know it is them who are in the wrong. Can anyone offer me any pointers? Am I right to refuse to pay an amount that I believe is not owed? I sent of for a SAR and a copy of the terms and conditions over a month ago when I wrote that the account was in dispute. These have still not been sent, so is the account still in dispute? Who is responsible for saying when its not in dispute, the customer or Moorcroft? Many thanks in advance

Hi all, After reading these forums for a while I thought it was about time I got my head stuck in and started to reclaim my cash! I have a personal joint loan with my husband through Welcome Finance. I requested copies of my signed credit agreement, which they have sent. A few years ago I got the loan rewritten to reduce the montly payments whish I was struggling with. On the re-written credit agreements I have received from them today, I have noticed that the agreement only bares my husbands signature, and not my own. I pay around £200 each month, and have done 7 years. I still owe £4000 on an orginal loan amount of £1500, and then the re-write of £600. This has all come to light whilst trying to reclaim the unlawful charges that they apply to my account each month! Does this make the loan void? Am I able to put the agreement 'in dispute' and withold payments until this is sorted? Any advice on the next steps I need to take would be very much appreciated, as I am at a total loss!