Okay, will do. Many thanks!

Hi @slick132 / @BankFodder, Apologies for only just getting round to responding - but better late than never, I figured. Just a short note to say thank you very much for your responses last year. I think your site is incredibly empowering and the effort that you and the team put in to educating consumers is just awesome. Keep up the great work! And purely as an FYI: As you predicted, I was contacted by ARC Europe shortly after your post, but after accidentally ignoring their email (due to covid distractions) they haven't chased since. If that does change, I will use your helpful template. Either way, thanks again! 'James'

Hi all, Firstly, I'd just like to say how impressive this website and forum is. Thank you to all who have contributed! Now, to the problem - I'm having trouble with Bannatyne's. I signed up for a rolling 1-month contract in Summer '19, and received a 'Welcome' email with, among other things, confirmation of my direct debit and a hyperlink (not attachment) to T&Cs. In the direct debit section of the email, it states: "You have the right to cancel your Direct Debit at any time" I decided to cancel my membership in Nov '19 with a view of signing up again in Feb '20 (to avoid winter laziness and Jan busyness). After reading that quote, I cancelled my direct debit (without notifying Bannatyne's). Now they are chasing me for >£200 in missed monthly payments and late fees. I spoke with them about this and they offered to roughly half the debt. Of course, the online T&Cs do state that I need to inform Bannatyne's that I wish to cancel, but I had stopped short of trawling through this online document when I read the above quote in my welcome pack. (Having online T&Cs doesn't seem right in itself, as they can change the document between signup and present day.) Do I have a case here? It seems to me that the information in the email constitutes as misleading, but I'm biased and you're the experts Many thanks, 'James'