Dear Fighting fit Many thanks for the acronyms translation. I like your style. Will keep an eye on your thread and watch with interest. Take care. Siandawn.x:)

Hi all My hubby joined Total Fitness end of Jan 08. His fellow work mates were to followhim in joining. Anyway, they didn't and he has only been once in all that time. He needs to cancel but they have a clause in the agreement that he signed that says "Membership is a committment to remain a member for an itinital 12 months period regardless of changes in personal circumstances, whether paying by monthly direct debit or annually in advance." He pays by DD monthly and has never missed a payment. Any ideas on what he can do to terminate the agreement and can TF legally enforce the 12 months? I haven't approached them yet. I want to be prepared before I start. Many thanks.x:)

Thanks Scott Now you have pointed the way I can start a thread. Cheers hun.x:)

Hi Guys First time I've posted on any forum, so apologies if my ettiquette is incorrect. I am dealing with DLC (part of Hillesden securities), who are chasing my Dad for a credit card debt (pre 2000 I think). After visiting this site I did a N template letter to DLC asking for CCA. Prior to that I did a subject access request, which they sent screen dumps of dated call logs (only where ther had a contact and not the other hundreds of harrassing calls at all hours). Anyway, CCA akcnowledged in May and we have had 2 further letters saying they are still looking for CCA and will get in touch in 21 days. There are out of the 12 working days time frame. What do I do next? Sorry if this isn't the right place to post.