Hey,
I've left this for far too long...
I had a letter from the crs and other debt collectors about paying them back £241.34.
This started happening when I cancelled my gym membership through direct debit.
I cancelled my membership around June / July and only did 4 months with them? I think.
I missed my 1 month before and they took money out when i had money available in my bank since I normally get paid in cash where I was working.
I missed another month of the monthly payment so I just decided to cancel my membership, thinking that I didn't really need to worry about