Good Afternoon,
I have seen a few posts about this here and would like to ask for some advice on my case.
I joined the London fight factory gym in February 2017 and signed for a 6 month contract (£95) per month.
Three months into the contract (May) I was transferred in work and to wales and could no longer frequent that gym.
At the time I did tell my coach (and owner of the gym) that I was no longer going to be attending.
Nevertheless, I carried on paying my monthly installments until the 6th month which was July, before cancelling my direct debit.
What I didn't realize was that my last payment bounced and as I had cancelled the direct debit, it didn't go through again.
Last week I received an E-mail, which contains half of my new address, not sure how they got that, stating that I owe them £247.
I have already E-mailed them stating I will pay them £95 and nothing more (I now realize I probably shouldn't have).
To which they replied that because I broke my credit agreement I was liable to all their fees.
I have read in a few threads that they can't actually action any of their threats, but can they mess with your credit score?
Also, as it was a genuine mistake, (I really thought that last payment went through) is there anything I can do?
Thank you in advance.