Hi all, My partner and I moved into a private let property on 15th September 2017. We paid a months rent and deposit upfront. We then paid a months rent on 1st October and continued paying the 1st of every month since then. We were given two months eviction notice on 15th July 2018 as the landlord is selling the property. The estate agent has told us we owe rent until the 15th September and that we must pay half a months rent on 1st September. In my mind, we have already covered this payment by paying for a full months rent half way through the month the year previous. Is this right?

I got a pre action protocol letter with a form, from Restons for a next account which has been passed to Debt Managers (Services). I ticked box I and requested a copy of the contract, statement of account, details of any administrative charges, copy of notice of assignment and a copy of the default notice. I received a reply from them providing with a few details; date account was opened, address used (which is incorrect btw), last order date, last items ordered, last payment date and amount. The letter says I have not provided any information as to why I don't know if I owe the debt, and asking me to confirm 'why you are unsure if you owe the debt so that our client can understand your position'. It reads like a template reply to me, but I am unsure how to word my response. Do I need to give a reason why I am unsure under the pre action protocol, or should I write back simply asking them for the information I originally requested?

Good Morning all, I was wondering if someone could offer me some advice with an issue I have with a former friend. Back in 2012 my friend (who is extremely wealthy) gave me 2k to help me out with some serious issues I was having with debt collectors, he wanted to be more than friends shall we say and to this end he gave me another 2k early 2013 and another 2k late 2013 by way of bank deposits. I understood at the time that these were gifts and no verbal or written contract was drawn up. Once he realised that I was not that way inclined / spurned his advances, he started to get nasty and demanded the last payment he made to me to be paid back to him (which I had no means of doing) I was in a position to start to pay this money back in 2015 by way of monthly payments into his bank account after he started to hassle me, and have now cleared the money he originally wanted so stopped the regular payments. Trouble is he has started to to text me and ask for the payments to continue otherwise he will take me to court....... I can no longer continue to be held over a barrel whilst he demands payments from me as I have a small income and a large family to feed. When if ever will he stop to ask me for money ? Please let me know your thoughts and if indeed he could take me to court and obtain a CCJ The other option of giving up my will to him is unthinkable, I just want this guy out of my life Please help

Hi Guys, I have recently received a letter from a collection agency demanding I pay the sum of £419.42 in relation to council tax owed to Plymouth City Council from 2011. I have sent a number of emails to Plymouth City Council asking why I owe this money. After completing my degree in 2011 I was forced to sign on and claim housing benefit as there was no suitable work available. My degree was a complete waste of money, but that's a separate issue. After sending and receiving a number of emails they have eventually told me that the reason I owe the money is down to the fact I never informed them of my address change, when I moved out of my student house and into another house share. However, this is not true I remember distinctly informing them and this was reaffirmed to them again at a later date when I was forced to claim JSA again after securing a month's work. They have gone to the Magistrates Court and obtained a Liability Order, which I believe has been done falsely as I do not owe the money because I was exempt. I raised a complaint but they are not budging on their position. Is there anything I can do? Any help greatly appreciated. Cheers, Jake

Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of action? Ive appealed their decision twice over the years and they've dismissed it, the last time they didn't even look in to it, my bet is because they don't have the paperwork anymore!? I dont actually owe them anything, it clearly says in law that you can claim income support if a student and a single parent so I don't understand it! Can anyone help? Thanks

Good morning I have returned from a weekend away to a CC Claim form with Lowell Portfolio 1 Ltd as the claimant ... They state it to be £150.23 to Avon cosmetics, but I cannot remember such a debt and if there even was one it was around 5 1/2 years ago! I never received a default letter from Avon (they say in the claim they sent an assignment in 2015) but I can honestly say, I never received anything. They are claiming #150.23 + #12.02 (8% interest) + #25 court fee + #50 legal representatives costs ... total is #237.25. My husband just says to pay it (I can't even see how I can do that as no payment details are attached) and I really don't think I owe anything! I have no idea what to do next & the clock is ticking on me doing something with this. Any help would be very gratefully received ... I don;t have a cheque book, so it would have to be a BACs payment (If I do just pay for it to go away) . .. but i'm not happy to pay fees, interest etc. on something I really don;t think I owe! Many thanks

Vodaphone sent me the wrong phone in January 2016 as an upgrade, they sent out the wrong phone so I sent it back. Unfortunately the phone got stolen in transit and this was proved with the weight recorded on the receipt that I sent to vodaphone. Everything was supposedly ok , until I noticed my bill were almost double than normal every month after this, I phoned vodaphone on May 2016 to find out why. The reason was that this upgrade they had sent had actually opened up a new account on the same name and address ect and were billing me double. They said this would be sorted and I would get a refund. After phoning them every month after this they still continued to take the 39 pounds from my account every month and just last month they have now closed my account and billed me 530 pounds for an early cancellation fee!

Hi, I'm typing this from a tablet so it will be to the point. I got several texts from this company trying to bluff me into ringing them so I googled them, saw what they did and decided to ignore them. Next arrived 2 letters saying that I owed them £24,000 for an account they bought from HBOS! I've never had any accounts with HBOS and I do not know what the heck is going on! I've read that these parasites are in the business of phishing for debts etc. What can I do? Is there a letter I can sent them to get them to feck off? Thanks! Norm

Hi I'm wanting to get information from Blemain with regard to my loan. It's due to finish later this year and they claim the current balance is approx £4.5K which won't be cleared by the payments! I'm going to send a SAR but I'm not sure which template to use from the library. There's Full Subject Access Request or Debt or DCA Subject Access Request I was going to use the "Full" one, but then the "Debt" one looks better as it specifically mentions insurance and additional charges. Any help would be greatly appreciated. Thanks. BB

I had a DRO last year which after closing my business down wiped out about £9,000 of business rates and other things such as unpaid tax and electricity etc. All well. We live, we try and if we fail we hope that we can pick ourselves back up and have another go. Now, today I had a letter from Rossendales they said I owe £1000+ for over payment of tax credit. There's no way I was overpaid. To my knowledge it was all signed off and all acccounted for in the DRO. I am trying to move on, not be dragged down by this crap and I will not let them affect me. What to do? I actually called Rossendale and told them this and half way thorugh realised people say do it in writing. They only told me what I know, that they are acting on behalf of HMRC. Really not sure what to do at this stage. Please advise. I am through with these people trying to mess me up.

I separated almost two years ago from my partner, we have a son together and had a jointly owned home. I had to leave as he wouldn't and i took only a car worth under £2000, he kept the home (which we had a loan against to which i paid monthly payments to), the homes contents and two assets worth aprox £1000. He has sold the home and made profit of £12,000 aprox, which i only recently found out about. I signed away my right to any financial settlement in the home on the belief that there was no financial gain made and in good faith. I had continued to pay my share of the loan i thought was still owed on the home and requested a settlement figure, it was shortly after this i discovered from my ex partners admission the financial gain he had made and i stopped paying the loan as the money made on the home more than covered this loan in full. He feels he is entitled to this gain and that i should continue to pay the loan, which he has chosen not to pay off with the profit made from the house. In short i stupidly trusted my sons father to be fair, but he is now taking me to county court to continue to pay the loan back. There is no written agreement and nothing is in my name as he has taken a loan out in his fathers name, but says i have to pay because i have shown by my previous payments i had been making, that i owe him this money. Does he have legal standing?

Dear All, We recently started to receive letters from Lowell asking us to pay 487 for a 3 mobile phone contract. The contract was terminated in 2009 and the last payment was made via direct debit on the 29/12/2009, the first letter from lowell was received in november 2015. We were at the end of the contract at the time and they gave us the option to upgrade but we refused as we wanted to change provider , then the telephone line of that three phone was cut (from their end) and that was that. We never heard from three until we started getting these letters from lowells saying that we have to pay 487 GBP for early termination charges plus monthly fees, no idea where they got these figures from but sure we do not owe that money and no one from three has ever asked for it. I have always replied in writing and recorded delivery and asked to prove the debt , they sent a statement that doesn't make any sense to me, I never acknowledged this debt in my last letter I mentioned that the last payment was made by direct debit over 6 years ago, however they just replied saying that a default notice was placed in June 2006 so the debt is enforceable until june 2016. I find this so strange and I'm stuck. My husband and I are about to apply for UK citizenship and scared that a court order might ruin things. We never had any problems with debts, got our mortgage approved in 2011 and never fallen in arrears. This is upsetting me now. I'm really sorry for the rant. I thank you in advance for any advice you may offer. Barbara

This has just happened to me! Diid you pay DWF? im terrified. the police believed me that it was a genuine mistake so why am I receiving these scary letters from DWf. I didnt even leave the shop but CAB have told me I should pay the £150-seems ridiculous for a letter saying 'amount of goods taken- £0, amount of damage - £0 and security costs £150 Please help me I am not sleeping and do not want to go to court! After a self-scanning mistake (£3 vegetables unpaid on a £20 shop) the police were called and believed me that it was a mistake. There was no mention of RLP to pay but now sainsburys have banned me from their stores for life (a joke!?) and DWF are sending me letters asking for £150 or they will take me to court. I am terrified and not sleeping. The letter seems ridiculous as I didnt even leave the shop with any 'stolen' goods- the security stopped me before the exit doors. The police also didnt fine me or caution me, just wrote me a stop and search note. Can DWF claim this money? I cannot have a criminal record and do not want to go to court for a self-scanning error. I will never use the self-scanning tills again and feel badly treated by sainsburys. DWF are real solicitors so can they legally ask for these costs? Surely sainsburys didnt lose any money on my behalf or have to pay the security guards extra to rudely interrogate me. Also surely the supermarket has no right to retain my details or pass them on? Please help put my mind at rest. thanks

Hi All. Thanks for the add to the forum. I realise the forum is littered with Stemologica threads, but I feel each case is individual so would appreciate help. I 'fell' for the free trial thing back in June and unfortunately got stung for £97.95 back in June. After a very distressed call to them, they agreed to refund my money if I returned the products within the 14 days, got proof of posting blah blah blah I did all of this. Emailed them the tracking numbers and awaited my refund....and waited...and waited... 6 months later, 6 fretful phone calls later they tell me they can no longer give me a refund and can offer me 'free of charge' some creams! Free of charge even though they have effectively stolen £97.95 of my money! After my call this morning I was left aghast at how these people operate! The can 'no longer' give me my money??? What the hell??? I have now spoken to Citizens Advice Consumer helpline who suggested I send an email accusing them of breach of contract. In the mean time I receive this email from Stemologica: "Dear ***** , Thank you for your proof of postage. Indeed, you appear to have returned the goods as per our instructions, and in principle, would qualify for a full refund. However, since the payment processor your transaction went through no longer accepts credit cards of the type you registered with to initially order, we will be unable to refund you, unfortunately. We could, however, as a means of compensation, send you the identical product, completely free-of-charge. You will receive one Stemologica for free and one Beautemer for free. Please let us know how you wish to proceed. Kind regards" So basically they have admitted that they owe me money but 'can't give it to me! Its almost laughable isnt it? In the mean time I have called Barclays who within hours have refunded me the money AND compensation for the stress its caused. Incredible! Stemologica have already replied to my email accusing them of breach of contract with this..... "Dear ***** , Thank you for your proof of postage. Indeed, you appear to have returned the goods as per our instructions, and in principle, would qualify for a full refund. However, since the payment processor your transaction went through no longer accepts credit cards of the type you registered with to initially order, we will be unable to refund you, unfortunately. We could, however, as a means of compensation, send you the identical product, completely free-of-charge. You will receive one Stemologica for free and one Beautemer for free. Please let us know how you wish to proceed. Kind regards" YES! The same original email despite me threatening them with Trading Standards and the e-fraud Team. What next? Its no longer about the money...its the principle of the matter. They have my money, and no doubt hundreds of others who can't find a voice to speak up! :mad2:

Please help running out of options. Judge threw out our statutory declaration as out of time. No one will overturn judges decision despite all the evidence. We bought a car in 2011 from a neighbour. Registered and insured it. Two days later that car was stolen from us. The police were informed and took a statement for it to be reported stolen. They never found the car and it was never returned to us. The police told us to write off what we had paid for the car and cut all ties to it. We did this and cancelled the insurance we had. Apparently the dvla took us to court ( without our knowledge ) have said the case was successfully prosecuted. It was prosecuted because we never received the court summons so never turned up. The case was for keeping a vehicle that does not meet insurance standards. Our appeal was accepted in 2013 and the case was closed. The same appeal was sent to the dvla but they didn't respond until 2014 and it was no comment. Fast forward to Saturday 5th September baliffs banging down the door, assaulted me by forcing the door back on me and used an illegal threshold manoeuvre. Illegally clamped our (fully insured, fully taxed) vehicle and the police made us hand over our keys. Thursday 10th September the baliffs steals our car without authorisation and hits me side on with his vehicle when I ran out to get a warrant or authorisation from him. Marston's baliffs seem to act like rabid dogs all the time! Disgusting creatures to deal with. He was forced to return our car and the keys on Friday September 11th which he did. He also made a report against me for criminal damage. Apparently I ran out into the road and struck his fast moving vehicle! if I had been able to strike his fast moving vehicle the injuries to my arm would be on the inside of my arm not the outside. Personal injury solicitor taking my case against him. Same Friday judge threw out our statutory declaration as out of time. We are not paying a debt we do not owe as we have no legal obligation to insure a car we do not own and was stolen from us. The amount is £628 plus baliffs fees which they told us is triple the amount. Where do we go next please?

I'm new here so I apologise if I'm posting this in the wrong section. My wife and I purchased a business a few years ago that we closed earlier this year. The seller tricked us into buying the business by inflating the figures and we fell for it. Anyway.. we have lost our entire life savings trying to keep it going and earlier this year when we had no money left we had no choice but to walk away as we could not find a buyer after trying so hard to sell it for over a year. We have a business loan for £45k with Lloyds which we have personally guaranteed (I've been told the PG is watertight). We also have a £4k overdraft. They've sent us a formal demand for the loan and overdraft. I called them last week to set up a payment plan and I was told that they would contact us back. I wanted to know if anyone has been in a situation where Lloyds have accepted a payment plan for this kind of situation or will they force me to sell my house in order to pay them? I'm quite worried as I really don't want to move. My wife and I are currently working but we have only been working for 6 weeks so we will not have the right paperwork to remortgage the house.

Hello - some advice needed please. My son has filed for Bankruptcy and I owe him some money lent last year. I live on benefits. I own a house with a mortgage. What is the OR likely to ask of me? Thank you Damo

I moved in on February 12th 2015. I received a letter relating to a debt of some £40 for electricity for 27/1 - 8/2/2015. My dad emailed them my tenancy agreement which clearly stated that I moved in after this date. They emailed dad back and pretty much accepted this as proof that this debt isn't mine and the matter is resolved. I received another letter over this and returned the letter. I put on the letter "not known at this address. please return to sender". That was March / April. I heard nothing and assumed the matter was resolved. I've now received a letter from LCS over this. I am not sure what to do now. EDF have a copy of my tenancy agreement, which clearly states I moved in after the date of the electricity debt. Advice please?

Blemain say I owe them £2946. I have had the loan secured against my house since 2007. They keep sending me letters requesting payment. I'm unable to pay the full amount so I'm wondering if there is anything I can do to setup a payment plan or to even get some of the charges removed They used to charge you when there was no money in the bank. My money used to go in Friday afternoon, and they always tried to take it in the morning. They also used to take it out before bank holiday etc they charged me for that, and they also charged me for every letter they have sent. Any idea what the next step is? Been paying them £ 10 a month for a while, and I'm on a minimum wage.

Hi I recently had a small debt with Virgin Mobile which was passed to BPO Collections in Glasgow. I have recently paid this off in full and I got a letter from them stating that the Account was closed. However on the 1st of this month they took £15 off my Debit Card despite the Account being settled. I have rung them several times and despite there apologies and numerous promises to refund it I have still not had it refunded. Don't really know what to do next as I am sick of chasing them but I do want my money back. Any help or advice greatly appreciated.

Hi I really need some help with this. ebay CS I speak to on the phone are not listening, Paypal understand it and have been helpful, they have verified that I am owed money but unfortunately as it is complicated ebay CS appear not to understand and are refusing to help>>> story is I had two cases that I appealed and was successful in those appeals.... These are the 2 scenarios = Paypal transactions = 8th Dec buyer paid in = balance £50 29th Jan Payment Held paid out = Balance £0 29th Jan Hold Reversed paid in = Balance £50 29th Jan Dispute balance removed paid out = Balance £0 30th Jan Ebay reimbursement taken paid out = Balance Minus -£50 2nd Feb Ebay pay in = Balance £0 I am still owed the original payment of £50... All have seperate UTR's in Paypal.... The second is even worse:- 23rd December buyer paid in £184.95 = balance £184.95 10th Feb Payment held in Dispute = balance £0 11the Feb Payment reimbursed to ebay = Balance minus -£184.95 11the Feb Payment taken by ebay = Balance minus -£369.90 Horrifyingly they now owe me the £369.90 that they have taken from my account + the held amount of £184.95 plus the £50 they failed to refund making a total of £604.85 I am having real problems explaining this to ebay, but as I said Paypal understand and have agreed, so where do I take this next, does anyone know....

Hi there, Help! Scary letter arrived in the post HMRC Debt Management telling me that there was a judgement passed against me to pay tax immediately as well as court costs. I have only lived in the UK for 11 months and have yet to submit my first Self-assessment. Background: - Moved to the UK from South Africa in Feb 2014 started my own limited company - In 2007 I flew from South Africa to Isle of Man where I did temp work for one month before returning to South Africa. - Used my Isle of Man NINO to register my company however the VAT office would not accept that NINO. So my accountant queried it and was informed by National Insurance office of my UK NINO. Different from my IoM NINO. - Registered successfully for VAT and then applied for UTR with my newly found NINO. To date I have not received response about my application. - Shortly after apply for UTR the National Insurance sent me a letter asking for Self-employed Class 2 contribution. BUT I am not self-employed. I am a director of a Limited Company. Big difference. Key to note here too, after opening the letter I noticed that my middle name was wrong too! Letter sent saying I am not self-employed and have only worked in the UK less than a year and also that is not my name. No response yet. - Second letter this time from HMRC saying they have Self-Assessment statement for £15000 against my NINO number. They also included a reference number I am assuming they think is my UTR number. I think not because again my middle name on the letter is wrong. Phone call and a letter sent to them saying this is not me but this is my NINO number. The lady at HMRC had no idea what is wrong. I have a letter saying it is being reviewed by their technical team. - Which brings me to the scary letter from Debt Management saying there was a court case against me and judgement made to pay tax and court fees from 2010. I was not in the country. I was blowing vuvuzela in a stadium in Johannesburg never thinking I would move to Blighty! I have never live in this country before 2014. - Phoned the Debt Management and they swear blind that I owe this money but ask me if I work in construction as self-employed. I am an IT consultant. They asked if I lived at and address in Somerset. Where is that I say! They asked if my partner was a Mr Goodman. Never heard of him. I have sent letters to National Insurance Office, HMRC SA and Debt Management. I have still not got my own UTR as they fail to respond so I will be missing my first Self-assessment deadline on the 31st of January. The UK's HMRC is pathetic. South Africa's revenue authority is amazing and makes HMRC look like a badly run Zoo. Vent over. Any advice folks? Restore my hope in the good nation of Great Britain. Regards

my account has been sold from a catalogue company to lowell i did not receive a default notice only a letter of assignment on my credit report the default date is shown as 14th October 2014 with a default balance of £2400 when i log into my catalogue account online there is a credit of £150 on 14th October 2014. Balance on the 13th was £2550 however after the credit the balance is £2400 - i'm told this is an administrative charge and £2400 is the alleged default balance. However on the 16th October 2014 the catalogue added this £150 back onto the account bringing the balance back to £2550. Lowell are now chasing me for the £2550 however since the default balance is lower, how much do i actually owe?!

Hi, As per the title of the thread, I have been sent a form for a debt to Next Directory for £453.57. It gives a date of on or about 31/03/2008 and says it was assigned to them on 15/10/2010. I have never had an account, as such, with Next. The only thing I can think of is that I ordered six or seven items from them online in the after Xmas sale in 2007 and only two arrived. I remember phoning them and being told that the other items were being sent separately so to just pay for the two which had been delivered, which I did. An invoice arrived which stated that the other items were out of stock so, obviously, that was the end of the matter. The out-of-stock items would have come to about £400 pounds. It was a pain in the rear because these were "deferred" Xmas presents - we had just exchanged token gifts on the day so we could get the things we wanted half price a few days later. If that counts as having an account with them then yes, I did, but I never bought anything else from them, I paid for the items I received, never signed anything and do not owe them anything. What should I do now? It was nearly seven years ago so I don't have any paperwork and I am only guessing that this is the cause of the problem, if it isn't then I am stumped. I have a long running dispute with Barclaycard and have had lots of threat-o-grams so it is possible that Cabot have written to me in the past but I don't recall anything about this alleged debt.

I would really really appreciate some help, as my gym owe me £2250 and will not refund me my money! I am very stressed about the situation and do not know what to do. In March 2013, I took out a 3-month membership with my local pilates studio. This cost £250 per month, for 8 classes. Over the next three months of the membership I managed to use 18 classes of the 24 that comprised the 3 month membership. However, in May (just before the 3 month membership expired), I advised the studio by email that I had to go into hospital so "I am not sure when I will be able to resume exercise, so it is probably best if I cancel for now. I think I have some classes remaining from my 3 month course - I will be in touch when I am well enough to use them." My clear intention was that I no longer wished to continue my membership. However, the studio continued to take £250 from my account each month. This is on the grounds that their contracts states "This is a 3 month agreement, which will thereafter be renewed on a monthly basis... After successful completion of the initial core period the member may cancel this agreement by sending a written confirmation to the studio before the first day of the final month of membership." I failed to see that the studio was continuing to take money out of my account as I was first in hospital, and then suffered a bereavement - it was a really difficult time personally, was not as on top of my finances as I would usually be (yes, I know!). Plus, in my mind, I had written to cancel so had no reasonable grounds to believe that they would still be taking money from me. In February 2014, I realised what had been happening and wrote to the studio, telling them that they owed me nine months worth of fees, ie £2250. They responded in March 2014, saying that they could not find a copy of my written cancellation confirmation as they had not been able to find this in their records. They said that in the absence of written confirmation, I had a total of 86 unused classes in my account. In April 2014, I had some time off work, and decided that as a gesture of goodwill I should use up some of the classes (I had thought that £2250 was a large amount for the studio to have to repay therefore if I used some of them up it would show willing). I managed to use up a further 24 classes during April and May. However during this time three things happened: 1. In May I suffered an injury during a class with one of the instructors. I had some physio to help the muscle. However I cancelled all my classes with that instructor and refused to schedule any more with him (that was the only class I had had with that instructor and I was not confident in their abilities). 2. I continued classes with the other three instructors that I did trust. However in June I had a class with another new instructor, and suffered two sprained ribs. This was very painful and again, I had to have physio. I told the studio that I would not take classes with that instructor again. 3. During this period, I had found it increasingly difficult to get a class when I wanted one. I repeatedly told the studio that I had seven hours a week when I was available to take a class . They repeatedly told me that they did not have any classes available for me then, and kept offering me classes at other times (eg during the working day, when I was at work!). I have numerous emails between me and them documenting this. As a result of both the injuries which caused me to lose faith in the studio, and the fact that they couldn't actually provide me with any classes, in June I decided that I had done enough to try and use up my classes and now wished to be refunded the remainder. I therefore wrote again to the studio, telling them this, and that I therefore wished to be refunded for my remaining 62 classes - a total of £1940. I enclosed a copy of the email that I had sent them in May 2013 cancelling my membership. In September, I received a response from them. They said: 1. they required a written confirmation sent to the studio address. The email could not be taken as cancellation, as "it refers to the cancellation and re-scheduling of classes but does not refer to the cancellation of your membership contract." I don't think this is right - my email could not have been taken as referring to cancelling classes, as at that point I did not have any classes booked to cancel, therefore it should reasonably have been taken as meaning my contract. Surely if they thought I meant cancelling classes, as they say they did, then they would have responded to say that I didn't have any classes to cancel? 2. That "classes were used during this period (from April to December 2014) which in law is described as a continuation of a contract". I clearly had no idea it would be taken a continuation of a contract - I had thought I was doing them a favour by using up some classes so they had to repay me less - so much for a gesture of goodwill! 3. That "as goodwill, they can offer me either to use up my remaining 62 classes or to cancel my membership and lose all my money". I don't see how offering me to lose all my money can be described as a goodwill gesture! I also cannot use up my classes, as they have repeatedly told me that they cannot give me a class when I am available to take a class. (In addition, after not one but two injuries I have lost all faith in them.) I really am at a loss as to what to do, and am very stressed about the situation. I presume my only option is to take them to the small claims court on the grounds that (1) I did cancel my membership (2) they cannot fulfill their part of the contract because they can not provide me with a class when I can take a class and (3) loss of faith due to injuries (and I have not attempted to reclaim the cost of my physio which I had to have as a result of the injuries, which totalled around £750). Does that sound right? I would really appreciate any advice - I obviously cannot afford to just write off nearly £2000, as they seem to be suggesting!