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  1. Hi, I've been reading through some of the previous threads with similar issues. I would appreciate some help with my particular problem if anyone can give me advice? I joined Fitspace gym on 29/06/2015 and the membership was 12.99 per month. In around January of 2016 I finally sought help with my debt problems and eventually got a DMP with stepchange. My bank overdraft was one of the debts included in this so my account was closed and the direct debit to Fitspace was cancelled. In June of 2016 I received a text message from Zinc saying I needed to contact them w
  2. can anyone advise me on what to do, I started a gym membership with fitspace for 12 months my bank account was closed I wrote a letter to the gym a few months after I started getting calls and emails from crs which I ignored I recently received a letter from Spratt endicott threatening legal action in 7 days. The amount crs claims I owe is £270 which is ludicrous as I was paying £16 a month from January up until may. Can anyone advise me on what to do as I also don't want my credit rating to be affected
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