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About Kmtr12

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  1. How would you advice my next course of action? Thank you kindly.
  2. Hello Dx100uk, thanks for taking the time to reply to my thread. I am not intending on returning to the gym, no. I am more concerned as to how this will affect my credit rating (if at all) for the future. I am not a pushover, so am not worried with regards to dealing with CRS if I know my rights. Thank you.
  3. Hello all, I was a university student who signed up to my local gym. My last payment to the gym was in February of this year. I believe the payment was set up at £19.99 pcm. I ran into some financial troubles in February and the direct debit for this membership was revoked by my bank (HSBC). I viewed the email sent to me by the gym group and assumed that next month when they came to debit my account, they would take the amount owed + the next membership instalment. I recently started receiving phone calls from CRS, of which I have not picked up. I then checked my emails and
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