Clearly you both are very knowledgeable about the topic, lol, from looking around the forum. So can you tell me what's the worst they can do? Even if they do take me to court, and they win the case, and I'll still won't pay the money. Worst for me is the bailiffs lol

Hey, thanks for the reply, and no I didn't

Hi all, I joined Virgin Active gym few months back, and after 2 months of joining I left because I ended up not going because of loss of interest and the price, so I cancelled the DD (the contract was for 6 months), and like a week later I received a letter from them demanding the money, and they sent me a few text messages too. After a few more weeks I received a letter from ARC demanding me to pay £210, they keep calling me constantly, sometimes like 10 calls; one after the other, which I ignored. After couple more weeks ARC sent another letter threatening court actions if the outstanding balance was not paid. 2 weeks later (today) I received a letter from Major Law solicitors threatening court actions as well, they have said I should contact ARC to repaid the debt. I have have had no contact with Virgin, Arc or Major sols yet, meaning I haven't spoken to them. Can they actual take me to court? I don't really care about credit ratings. I am 20, living with my parents, can they get the bailiffs involved? Thanks very much. Any advice is greatly appreciated.