Thanks for both replies. I don't particularly want to cancel my Gym membership, it's one of the best ones in my immediate area and it would be cutting my nose off to spite my face. However I am angry about their cavalear attitude to consumer so wanted to write a suitably worded letter. If they had breached the law wrt to CCA, then I wanted to make them fully aware of it and the implications. Off to draft some letters! Rufus.

I think you already know the answer to that one. Legally it is very shaky ground and you could argue in both directions as to whether the "invitation to tender" was for the package, or for the verbal description of the contents of the package. I would suspect that both you and the shop had tendered on a stick of ram, and the other item of memory was taken in error. If you are unclear on the legalities what would the position be if you took the item home and discovered the package empty? Morally you should contact the shop and infrom them of the error, and give them the opportunity to remedy it. They could collect the memory, or provide a means for you to return it which doesn't cost you anything. In reality if you kept quiet about it, then you could probably just keep it without anyone noticing. If you were cheeky you could return one of the sticks with a receipt and get a full refund. However both these options would open you to legal action by the shop, and as you have posted the information on a public forum I assume you don't want to keep quiet about it! I'm not really sure what you were hoping for? HTH - Rufus.

A gym I am a member of sent out revised T&Cs on the 31st December which took affect from 1st Jan (nice lot of notice - not). One of changes they have introduced is to go from a Monthly charge for membership to an Annual Charge. However for those who wish to continue to pay their membership fee in monthly installments by direct debit there is now an "Admin fee" of 10% of the total membership fee (nearly 20% APR if a reducing loan). They've reduced the annual charge at the same time so in theory the amount paid next month remains unchanged. I know when insurance companies charge extra for paying an annual premium monthly this is regulated by the Consumer Credit Act and a valid consumer credit agreement has to be signed, an APR stated etc. Shouldn't the same apply for the Gym membership fee - or am I missing something? FWIW the Gym in question is David Lloyd leisure who have recently been sold by Whitbread to our dear friends HBOS (ggrrr). TIA - Rufus.