Ok thank you thats just the good news I wanted. The direct debit is already cancelled so that's not a problem. Is there a link anywhere for a template for such a letter and would I be wise settling the last £5 with a postal order with the letter and sending it recorded delivery? Duckers

Hi there. In 2009 I got a 12 month membership at my local gym, however because I soon was made unemployed I couldn't keep up the monthly payments of £28 and so the outstanding balance of £325 was passed to CRS. I then set up a £10 a month direct debit payment with them for which these highway men put an additional bunch of charges on which the outstanding balance then became £627! Now to the present time I have been paying these direct debits of £10 regularly each month however last month my bank delayed the direct debit to a day when there wasn't enough money in my account to cover the direct debit. I then got a nice letter from CRS saying they were putting an additional £25 admin charge and will reschedule that months direct debit for £35. Now I refuse to pay that as I cannot see how they can justify such a charge considering how much the bumped the balance on the debt up anyway so cancelled the direct debit. My question is this. the orignal debt was £325 and I have now paid CRS a total of £320 which is nearly what the original debt was. Where do I stand by just paying them the £5 and then telling them where to stick the additional amount of money they bumped on the original debt? Thank you in advance! Duckers