It is not allowing me to access the MCOL online with the reference and password. I will try and call directly tomorrow.

Letter received 18th September from HM Courts. "I acknowledge receipt of your defence. A copy has been served on the claimant ( or claimants solicitor). The claimant may contact you.... If the dispute cannot be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. Where he wishes to proceed, the claimant must contact the court within 28 days of receiving a copy of your defence. After that period has elapsed the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order of lifting the stay." I have not heard anything since.

Much appreciated.

yes it was a letter attached to email.

Thank you , do I need to acknowledge this from ML ? Also, does the 14 days extension apply on me receiving the contract or added on to the current 33 days?

Hi there, I am within 5 days of needing to submit my defence.

Thank you. Here are the payments to DL and payments to ARC. DLY Payments 2022.pdf

No during the October, November 2020 lockdown of gyms I wasn't charged. Yes I agree I need to focus on the 3 month cancellation as my defence. I've prepared myself if they don't rule in my favour and managed to save the money to avoid ccj.

No I haven't specifically advised about hardship. Here is all of my pdf evidence. Evidence DL membership.pdf DL emails 23 .pdf

Sorry my initial thread stating 2018 was an error. My membership started 21.08.2020. DL have sent me all correspondence via excel spreadsheet so I will try to redact and convert to PDF at some point tomorrow. I have done another quick scan and these are the only communications where I have mentioned finances. 2.6.21 Comment: I have been unable to pay my direct debit on time this month due to emergency outgoings. I will make payment on 13th June 4.11.21 RCB1= Incoming call - member wanted to advise she will make the outstanding payment on the 15th of November due to an work error not receiving full salary. Member has been advised as long as the payment is made on the 15th there shouldn't be any issues getting in the cllub 8.1.22 Optimus added a note: 08 Jan 2022, 9:03 PM GMT Member Telephone: Comment: Membership i will be paying this months installment on 20th January. I've been off work due to covid and therefore not been paid. Ive reinstated the direct debit.

Sorry my initial thread stating 2018 was an error. My membership started 21.08.2020. DL have sent me all correspondence via excel spreadsheet so I will try to redact and convert to PDF at some point tomorrow. I have done another quick scan and these are the only communications where I have mentioned finances. 2.6.21 Comment: I have been unable to pay my direct debit on time this month due to emergency outgoings. I will make payment on 13th June 4.11.21 RCB1= Incoming call - member wanted to advise she will make the outstanding payment on the 15th of November due to an work error not receiving full salary. Member has been advised as long as the payment is made on the 15th there shouldn't be any issues getting in the cllub 8.1.22 Optimus added a note: 08 Jan 2022, 9:03 PM GMT Member Telephone: Comment: Membership i will be paying this months installment on 20th January. I've been off work due to covid and therefore not been paid. Ive reinstated the direct debit.

I am glad I did the SAR and there seems to be charges for membership post 1.10.22 when they confirmed the membership had expired.

DL has added £116 for late payment fee back in 2022. The original debt was for three months membership which equals £780. I completed SAR and DL came back to me with correspondence. I have pasted correspondence re membership in attached word doc and record of payments. Hope this helps. SAR - DL.pdf

3. I emailed DL to state ' can I speak to someone regarding my membership'. With DL you have to email any request or put a request through the DL app. Then they contact you within 3 days and provide a case reference number. Then a person from DL membership team called me and I verbally advised them I was in financial hardship. 4. When I tried to cancel my membership they stated I could not cancel if it was frozen so I reactivated it. I gave formal notice to cancel my membership May 22 and paid £345 on 31st May. Then advised I need to pay a further three months as a notice period. 5 and 6. My communications were mostly by phone. I did send an email to DL around May 22 disputing the membership period and that I felt misled about cancellation process. I do not have a copy of this email. I made two payments to ARC on 1.11. 22 and 1.12.22 of £100 on both occasions. ARC contacted me June 23 to ask why payment arrangement had failed. I advised ARC that I was in financial hardship due to changes in my employment. ARC agreed a payment plan of £38 per fortnight June 23. I failed this plan due to emergency car repairs.

Shall I use in my defence that DL stated that I provide an additional three months' notice, effectively extending my membership commitment beyond the original 12 months. Then refer to OFT stating that such terms can be considered unfair and unreasonable?