I would like some help please.
I was a member of virgin gym,
I cancelled my membership in March 2017.
In April/May the gym became David Lloyd Gyms.
I was contacted by David Lloyd in September to say I had 3 months gym membership fees overdue.
I told them I cancelled my gym membership in March.
They then passed me on to a debt collecting company called ACE.
They kept calling me and told me the amount I owed had increased.
I told them I cancelled my membership in March.
They said they would investigate.
After 8 weeks or so, ACE called me again to say they had proof I had used the gym in July and that If I paid 1 months membership fees and their costs on top then the debt would be cleared otherwise they were going to get a CCJ against my name
as I am a homeowner this could affect my mortgage etc.
I panicked and paid them the money even though I struggled to get it together.
The amount including their fees was £125
I've had the feeling that I have been conned ever since.
Could someone please tell me how or if I could try to reclaim that money as I am 100% sure that I cancelled my membership and should not have had to pay anything.
I am going to contact Virgin Gym to confirm if they have any records of when I cancelled my membership.
! If they do, can I request it in writing?
Would I then just contact ACE with this evidence and ask for my money back?
Or do I need to contact somebody else?
Whats the procedure?
If I should write a letter could someone help drafting it?
The debt company said they had proof I used the gym in July but I didnt as I have never been back there since it changed to David Lloyd.
Can I request them to send me this proof and if so how?
Am I able to do any of this or will the fact that I already paid them mean its too late?
I know I should have done all this before but at the time I knew nothing about this, never dealt with a debt collector before and panicked.
Since then I have spoken to few friends and work colleagues who have given me advice on the steps to take mentioned above.
My english is not great
I have asked my friend to type this.
I hope someone here can help me and guide me in how to reclaim my money because I know they have conned me. Thank you.