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Help re: notice for a fitness programme

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I foolishly got talked into signing a student agreement at a local martial arts club on the 4 Dec. I had to pay joining fee of £98 (which I told them I'd pop in later with and didn't) and a monthly fee of £98 starting on the 1st Jan. I was told that I 'could cancel at any time'.


I cancelled the DD before it went out of the bank, I thought because I had not made the joining fee that in effect that would have cancelled the whole thing.


Have just received a letter advising me that I have to give 3 months notice to cancel plus they will charge interest on late payments at 4% above the base rate.


Can anyone guide me in the right direction before I go in all guns blazing! Is this an unfair contract?


Any advice kindly accepted.


Regards, Joan

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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