Thanks dx100uk - but would it be possible to get an more detail as to why? Presumably, the debt is valid and has been purchased at whatever percentage on the debt by Credit Limits International from the Florence authorities?
We don't need to know the reason thanks.
Ok, so the date you left Portsmouth was Nov'r 2017 (not Dec'r 2018 as per post #7 above) and you didn't use ther gym since then.
I agree with DX - reclaim all DD's paid by the bank beyond the initial 12 months so reclaim DD's from April 2018 onwards from the old bank.
Harlands will disagree and complain but you can argue that your non-attendance at the gym from Nov'r 2017 was reasonable notice that you didn't intend to use the facility beyond the initial 12 month term. When you need to tell them this in writing (once only) let us know and we can look at your draft letter before you send it.
To avoid such issues in the future, see here - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/