I can really do this?

I have since relocated.

How would you advice my next course of action? Thank you kindly.

Hello Dx100uk, thanks for taking the time to reply to my thread. I am not intending on returning to the gym, no. I am more concerned as to how this will affect my credit rating (if at all) for the future. I am not a pushover, so am not worried with regards to dealing with CRS if I know my rights. Thank you.

Hello all, I was a university student who signed up to my local gym. My last payment to the gym was in February of this year. I believe the payment was set up at £19.99 pcm. I ran into some financial troubles in February and the direct debit for this membership was revoked by my bank (HSBC). I viewed the email sent to me by the gym group and assumed that next month when they came to debit my account, they would take the amount owed + the next membership instalment. I recently started receiving phone calls from CRS, of which I have not picked up. I then checked my emails and found one from them stating I owed them in excess of £300 due to late payments. What has gone from a (relatively small) 'admin' fee from the gym of £50 has now shot up over six fold. I will admit that I probably should have kept on top of this (phoning the gym/bank to discuss how payments should be made) but other reasons and a lack of checking my email account associated with the gym lead me to do otherwise. I suppose I am creating this thread for advice on how I should proceed with CRS with regards to this issue. I have already read that CRS have no legal power with respect to collecting debt owed. I also have read that it is not advised to answer their phone calls. However, I fear as time passes and the debt racks up, it may get to a point where I 'owe' them much more than the current £350 as they keep on adding 'admin' charges to my name. As a student who does not necessarily have those kind of funds, what would be the advised next step for me? I am hesitant to contact CRS to work out a payment plan without fully understanding my rights. If anyone could assist me, it would be greatly appreciated. Thanks