Hi I joined Top notch Health club last year 07-11 on a 12 months non-cancelable contract. I am a student working 1 and half days a week. In the 8th month (April) of my contract I became redundant and the DD was refused. I managed to pay that month membership in cash. On the 1st of May my bank cancelled the direct debit as there were insufficient funds in the account and I have not used the gym services since. I received letters stating I owe them the remaining amount of my contract which amounts to £104.97 for 3 months. I called the accounts lady stating I have been made redundant and initially she took a "I dont care approach" your membership is cancelled and you still owe us the money. After I explained the concept of " Do you expect me to find the money up my arse? she said ok we "might" consider terminating the contract if you send us a letter of redundancy. That was my last correspondence with the gym. I asked work to give me the letter but they have stalled and due to my exams I have not pursued this. On the 13th of June I received a solicitors letter from Trevor Munn solicitors asking me to pay £174.75 to ARC Europe and threatening to take me to Northampton County Court in 10 days if I dont pay. I am aware that this case is unlikely to go to court as it is for a small amount and i hope that I can re-attend the gym when i can afford it again but this experience is severely putting me off ever going back What can I do?