Hi, I know there are numerous people on here regarding these companies but I need advice. I joined the gym before it opened on the computers in the building. I never received a copy of my contract only 2 emails - one welcoming me to Xercise4less and the other the dd confirmation. I started uni a couple of years later and a dd payment failed. I incorrectly thought I could cancel just by cancelling my dd due to the emails - I had nothing to say otherwise. I had 2 charges of £20, Googled the gym and found the online forms to which I just got an answer 2 weeks later to say my account was in arrears then another 20 charge was added. Then a 60. I queried this with the gym which refused to do anything. I ignored letters and calls with the last letter being Jan 2017. In Feb 2018 I moved house and set up redirection for mail. In March 2018 I got a letter at the new house adding 37 tracing fee! I queried this and said that as I hadnt heard anything I didn't think to inform them but had the redirection in place in case of anything like this. They refused to remove the fee. I took this further, the financial ombudsmen don't deal with gym membership so I took it to the csa. They defended CRS and their charges. CRS have now started chasing again for the £207 and threatening legal action. I have offered 5 a month but no reply. I'm scared of any action as I haven't a clue. Please help. Thank you