I am very sorry but I don't understand what IMHO or CCL is !
I did join the gym online and went a few times, but my husband got a job in south wales. I wrote a letter of resignation to the gym explaining this and also of my intention to cancel the standing order. They were fine, accepted it and assured me I had done everything I should.
The letters came from Ashbourne after the due date of the standing order. I phoned the gym who said my membership was cancelled at their end and they couldn't understand any problem.
I was happy to provide a utility bill to Ashbourne to prove we have a house in South Wales, but my hubby said no, i hadn't signed anything and he wasn't having them hassling us in Wales. If they thought I had a contract they could send me a copy, which they seem unable to do and have never mentioned online membership.
A standing order of £12.50 has now escalated to £415 in the space of 6 weeks and I am at a loss what to do.