Hi....I'm hoping someone can help me. This is my first post I joined Lifestyle Fitness June 09. I used the gym for a few months then suffered from an accident at work causing me to go on the sick and unable to use the gym. I had very little wage coming in so cancelled my direct debit in November (christmas coming and all that). Anyway, stupidly i ignored the letters from the gym. I now have a new letter from CRS which holds a copy of a very legal looking document (claim form). It is just a draft but they say if i do not contact them by tomorrow then it will be forwarded to the courts. My membership left to pay is £390, then i have £40 administration fees and £127.75 debt recovery charges. I really don't know what to do. Any advice would be much appreciated. I know i have been stupid.