Just new to this site so wanted to try and get some up to date advice regarding LA Fitness and Arc Debt. My wife who was well out of her 12 month contract with LA Fitness stopped her Direct debit payment to them and informed LA Fitness she was leaving on the 2nd of a calender month. They informed her that she had to provide a months notice so even cancelling right at the beginning of the month, she had to pay again and in affect was paying them for 2 months even though she planned to stop using the gym. We have had messages 2/3 months later from Arc on our home number demanding payment with of course charges. for some reason even though we updated LA Fitness they don't have our current address so we have had nothing in writing. My concern is around a poor credit rating and also the unsolicited calls to our home phone number. Could someone clarify the legal position and best way of handling this situation? Rgds Paul