I've just had big problems with Xpect Health and Fitness and CRS. I think most of what I went through has already been covered on this forum. My problem was giving and paying for one calender months notice instead of one complete calender month. I couldn't get a definition of the difference btween the two and was being legally advised that they are the same - ie. the date of one month to the same date of the following month. People to get advice from are: Fitness Industry Assoc. FIA - fitness industry code of conduct may be able to help you and many gyms are signed up to this. Office of Fair Trading - look up unfair terms in the fitmess industry Consumer Direct - they will help and keep in feed into Trading Standards Community Legal Services will also give you advice I've had a running battle for 6 months now with CRS, I think I am about to pay up but only because I have a life and a local newspaper has agreed to run a story which will probably cost the gym £1000s in lost revenue. I found CRS a bit 'thick' to deal with. They never answer questions just keep repeating the same old same old. I told them as I didn't beleive the debt was owed, not to contact me again until they could provide me with proof of the debt, and that I wanted the following within 10 working days. A copy of the original credit agreement Statement of account The original copy of MY terms and conditions Executed deed of assignment from the 'gym' to CRS. I did make an offer to settle at far below what they were asking but the sent my cheque back. Their latest offer is almost the same as the offer I made before Christmas, which is a third of their original demand If things go to court and you have made an offer to settle or repay at a level you can afford then the courts are more likely to find in your favour, but the idea is to keep in contact. They will extend dates if you contact them by phone. If you make a payment - make it under protest and send it recored delivery - this leaves the gym open to a counter claim from you. I shall never join another gym - I'll get a dog to keep fit! I'm more likely to stick with it!