Hi again, So I sent an email to Harlands/CRS explaining I am willing to pay for the three months that I missed and that I had called to cancel and they continued to send the same exact demands without ever replying to my offer letter (sent in September). Fast forward to last week they are threatening to send the debt to Zinc group LTD. here is the email. REF No:8608665SCARBOROUGHCRS HELPLINE:01444 449 165 ACCOUNT BALANCE: £ 207.47 YO12 7NWDear Mr Scott IMPORTANT - PLEASE CALL US TODAY ON 01444 449165 Re:CRS Ref No: Xercise 4 Less Ref. No: We regret that despite our attempts to reach an amicable resolution to your account, you remain in arrears toXercise 4 Less .We must therefore give notice that failing to reply to this letter within the next 10 days will result in your accountbalance being passed to Zinc Group Ltd, one of the UK's leading providers of debt recovery solutions. WE WOULD STILL LIKE TO RESOLVE THIS MATTER We're still happy to listen to your reasons for not paying and will do whatever we can to reach an acceptableresolution for both parties. All that is required is for you to call us on 01444 449 165 by no later than 2nd My question is what’s my next move and just some reassurance about how this hopefully won’t affect my credit score would be greatly appreciated!! Thanks.

Hi, Thanks for the reply. So with me offering to pay them the 3 months that I missed, there’s no way they can take me to court for the late fees etc? I’m just really worried about this appearing on my credit file at some point.

Hi, Firstly I know there are hundreds of threads for this same matter but I don’t think any apply directly to me. I received an email today from Harlands claiming that I owe them £104.97. This is for a gym membership I took out around February 2017 whilst working away from home. When I signed up to the gym I was told it was a 12 month contract and nothing else. I was surprised to see the payment still coming out a few month down the line once the 12 months was up and I cancelled the direct debit on the online banking app. Heard noting and thought nothing of it until today I received an email saying I owe them the above amount. The email contained an attached letter from CRS threatening legal action if I do not pay. I rang immediately to question why I owed them and it’s because I didn’t follow the cancellation procedure and didn’t let them know and that they charge me every month for missed payments, the £9.99 per month membership fee and £25 late fee. I asked what would they accept payment wise and he said if it wasn’t paid in full by the 9th October they would take me to court. I refused to pay the amount as I believe it’s daylight robbbery! My question is what should I do next? I cancelled the direct debit in July so there are 3 missed payments. Should I email them offering to pay the 3 months I’ve missed and then cancel it after? I really can’t risk this effecting my credit score as I am applying for a mortgage next March/April! But I really don’t want them taking my hard earned money just because they’ve decided to ask for it! Any help would be awesome!!