I am having the exact same problem. I joined a Roko gym with my boyfriend in feb 09, when we joined he was the main account holder. 1 month after joining he lost his job and therefore i wrote a cancelled. Guess what.. we still have to pay, we didnt pay a joining fee of anything and on the membership terms and conditions it says we can cancel and at any given time with 3 months notice (which we would have payed i suppose) however roko felt we didnt have a good enough reason to cancel. To cut a long story short we changed the account to my name... as i already have a poor credit rating due to loans and bank charges etc. and i have now recieved a letter for Credit Resolutions service asking for £910 approx. which was my remaining gym contract and also £380.. a STANDARD CHARGE for the debt being passed on. Thats 35% interest on the original amount!!! anyway I have got away with calling them but they actually sent the letter to his adress... in red writing on cream coloured paper... is this allowed? I stupidly though did call them... i had to ask for more time by saying i am seeking legal advice... but when they went through security questions gave them my correct address.. stupid i know!!! Does anyone have any ideas or help on where to go from here... CRS are off my back until the 5th Oct 09.. this is when i need to let them no what i am doing. Thanks