Hi, I've seen a million topics on this exact same issue but I wanted to ask a few questions so I can get this done correctly. I've just recently been on holiday and had taken all money out of my account that my direct debit was linked to, completely forgetting about my gym membership renewal. So the payment has failed due to insufficient funds and on Thursday 27th June I got this email for Harlands: Dear [My Name] Harlands administer the collection of all payments due under your agreement with Xercise 4 Less. Your bank have advised us that your July instalment has been returned unpaid "refer to payer" as there were insufficient funds in the account to pay the amount due. We will therefore debit your account on 7 JUL 19 for the total amount of £38.99 made up as follows: Instalment Amount £13.99 Administration Fee £25.00 Total Due £38.99 Please note that the submission for this will be made two working days prior to 7 JUL 19 and if this date is not convenient, please contact us on the HARLANDS HELPLINE - 01444 449033. Our telephone lines are open 8am to 8pm, Monday to Friday and 9am to 12pm on Saturday. We look forward to receiving your call. Once the submission has been made the debiting of your account cannot be stopped. You must ensure that sufficient funds are in the account to prevent further charges being made and possible default action being taken against you. We trust you find this in order and we look forward to hearing from you soon. Yours sincerely Harlands From what I have seen on this website and others, simply offering to pay my monthly fee and then ignoring them when they try to email me or call seems to be the best option, although my situation differs slightly to what most threads say as I am only a few months into my one year contract with Xercise4Less and I am also not looking to cancel my account, I am mostly just looking for them to drop the ridiculous and unlawful admin fee, I am just wondering if me being under a yearly contract as opposed to a monthly contract changes things? Am I better replying to Harlands or contacting Xercise4Less? I am also slightly concerned that they just keep piling up the bill with admin fees, but I assume that without any actual explanation as to why they are charging me they have no right to demand such a fee? Thanks in advance