So if a contract exists why can't I see it. Is this delaying tactics to bump the premium up? I have an online phone contract, but they sent a paper one through for me to sign and return. The gym has sent me no correspondence other than confirmation of bank details and the gym telephone number to book my first visit.

I am very sorry but I don't understand what IMHO or CCL is ! I did join the gym online and went a few times, but my husband got a job in south wales. I wrote a letter of resignation to the gym explaining this and also of my intention to cancel the standing order. They were fine, accepted it and assured me I had done everything I should. The letters came from Ashbourne after the due date of the standing order. I phoned the gym who said my membership was cancelled at their end and they couldn't understand any problem. I was happy to provide a utility bill to Ashbourne to prove we have a house in South Wales, but my hubby said no, i hadn't signed anything and he wasn't having them hassling us in Wales. If they thought I had a contract they could send me a copy, which they seem unable to do and have never mentioned online membership. A standing order of £12.50 has now escalated to £415 in the space of 6 weeks and I am at a loss what to do.

I am having threats from Ashbourne over a contract I have no knowledge of. I have never signed anything. I have asked them twice in writing for a copy, as I understand they have to produce one by law. Twice I have received all the detailed contract information of someone else!! which I am sure must be illegal - certainly immoral. Yet they say my details have been given to a credit agency for default registration. I'm sure I'm not getting a copy contract because they don't have one!! Any suggestions what to do next?? Do I just ignore them?

I am having threats from Ashbourne over a contract I have no knowledge of. I have never signed anything. I have asked them twice in writing for a copy, as I understand they have to produce one by law. Twice I have received all the detailed contract information of someone else!! which I am sure must be illegal - certainly immoral. Yet they say my details have been given to a credit agency for default registration. I'm sure I'm not getting a copy contract because they don't have one!! Any suggestions what to do next?? Do I just ignore them?

the most worrying thing about this is that the gym accepted my resignation with no qualms. i handed a letter in telling them my husband now had a job 200 miles away and i was cancelling my direct debit - no problems at all. the problem is with this management company who seem to have no liaison with the gym, ignore everything i say and £12.50 has now risen to £410 in the space of 5 weeks!!! i am sure i have not signed anything and the only letter i had from ashbourne was giving me the number of the gym to arrange first session and confirming that the bank details were correct. i have had no contract, they have failed to supply one on request and now find that the gym has nothing to do with my membership. it is actually this management company.

i have ashbourne management hassling me for cancelling a direct debit for gym membership. i signed up on line and received no contract and to the best of my knowledge , have not signed anything. when i requested a copy of my contract, they sent someone elses??? don't they have to send a copy if requested or is this just a [problem] for bumping up admin charges