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I had an account with Xcercise4Less and i missed one payment because i was on holiday, When i got back i found i had all these charges on my account that made up to around £60. Obviously i didn't want to pay this, so i called them up and contacted them and they allowed me to make a new account with the charges on the old account being dropped. However a few weeks later i started receiving letters from Harlands saying i had to pay, i tried to phone them but they didn't answer after trying them a couple of times. So i just left it. I have now received a letter from Spratt Endicott Solicitors saying that they will take legal action in the next 7 days if i do not pay the balance of £241.40 . I am a student and can't afford to pay this much especially considering the yearly fees for the gym are £120. I just wondered if anyone could advise me on how to hand the situation? Thank you