Thanks for the help, I was getting all the info but they phoned me today to apologise and cancelled it. I think I'll buy a lotto ticket tonight! Armeen

Hi, I joined Nuffield in Feb on a 3 month contact. I tried phoning mid may to speak to someone about canceling but no one phoned back after 3 attempts, mid June I spoke to someone who said I should email and gave me an address. I emailed but no one replied so I cancelled the direct debit. They are now saying I owe them 1 full months money and they are going to pass it onto a debt collection agency. Firstly, can any of this end up on my credit report? I've worked hard to clear it up over the last few years and would hate for this to be recorded against me anywhere. Secondly, when I started I specifically said I wanted to only join for 3 months and also wanted to use the swimming pool but for the whole of April it was out of use and they didn't say when I joined up so I think it is particularly unfair, is there anything I can do about it? Thanks for any advice, Armeenw

also I forgot to mention, the bank account was closed and a loan account started up (ccj was issued against the loan) - does this make any difference to anything?

Hi, I have been told recently that I have a ccj issued by barclays in 2006. I have asked for the cca through the company dealing with it (before christmas) and they have sent statements but are still waiting for the cca. I didn't know about the ccj because I had moved from the address without telling them so I have never acknoledged it or paid anything of it. It was for a bank account and it was for a 5k overdraft. I lost my job and was unemployed for around 8 months, because I left of my own choice (i was sort of forced to go) I couldn't claim benefits for 4 months so concentrated on paying my rent. I did send a letter to all my creditors stating I could only pay £1 a month but I don't remember barclays replying. I originally opened the account in 1996 when I was 16 and the account was upgraded as I got older. From about 2004 I was having financial troubles and was regulary getting charged 75 a month in charges (although the statements they have sent don't show this period, just the few months before it was closed). So after that long winded explanation: 1 - If they don't have a cca is that enough reason to have it set aside? 2 - Can I get the company to remove any unauthorised charges from the account? I know I borrowed the money so will have to pay it back, I just don't want the ccj on my record. I also think that the amount of charges I had was unreasonable, I am guessing at least 1.5k (not including ppi). finally I think that it was irresponsible for them to give me a 4.5 k overdraft when I was regulary missing payments (they offered me the massive limit when I went on their online banking site). Any advice is muchly appreciated!!!!