Good afternoon everyone. I find myself in a slightly similar position with Harlands/Exercise4Less/Credit Resolution Services and now a new debt collection agency under the name of Zinc Group Ltd. i signed up to my local E4L branch under a promotional offer stated at £15 a month. When visiting the gym for the first time I asked if there was any contract, to which the lady on reception responded with ‘no it’s just £15 a month and you can cancel when you want, just let us know’. After being given such a relaxed response, I then cancelled the direct debit mandate via my bank (2 months after signing up), and thought that was that. That was until March, when I was bombarded with red headed letters and phone calls from someone in Hayward’s Heath (which I am now aware is Credit Resolution Services). Ordering me to pay up an amount of £189.47 for ‘payments in arrears’ to Harlands Group. After making numerous calls jumping back and forth from CRS, Harlands and the local gym in late March. I gave up trying to find a reasonable answer, but was told that I should have give a months notice to cancel my direct debit (which looking at other people’s submissions on here, means bugger all anyway). To cut a very long and stressful story short, I am still yet to pay anyone money and refuse to do so, however I am worried that this may affect my credit score in some manner and/or lead to bailiffs round or a court order.  I have ignored all of these agencies since my initial wave of phone calls, but would just like some re-assurance that I won’t have to pay this debt off, as it is making me anxious. There was no contract signed for myself, nor an email with terms and conditions. Any advice or questions welcome.  Many thanks

Good afternoon everyone. I find myself in a slightly similar position with Harlands/Exercise4Less/Credit Resolution Services and now a new debt collection agency under the name of Zinc Group Ltd. i signed up to my local E4L branch under a promotional offer stated at £15 a month. When visiting the gym for the first time I asked if there was any contract, to which the lady on reception responded with ‘no it’s just £15 a month and you can cancel when you want, just let us know’. After being given such a relaxed response, I then cancelled the direct debit mandate via my bank (2 months after signing up), and thought that was that. That was until March, when I was bombarded with red headed letters and phone calls from someone in Hayward’s Heath (which I am now aware is Credit Resolution Services). Ordering me to pay up an amount of £189.47 for ‘payments in arrears’ to Harlands Group. After making numerous calls jumping back and forth from CRS, Harlands and the local gym in late March. I gave up trying to find a reasonable answer, but was told that I should have give a months notice to cancel my direct debit (which looking at other people’s submissions on here, means bugger all anyway). To cut a very long and stressful story short, I am still yet to pay anyone money and refuse to do so, however I am worried that this may affect my credit score in some manner and/or lead to bailiffs round or a court order. I have ignored all of these agencies since my initial wave of phone calls, but would just like some re-assurance that I won’t have to pay this debt off, as it is making me anxious. There was no contract signed for myself, nor an email with terms and conditions. Any advice or questions welcome. Many thanks