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Have received a letter from MMF addressing me by my former surname (renounced in 2009). "We write further to our previous communications [blah blah] yet to receive a reply. If you have more than one account with us, you will find the breakdown enclosed." I have received no previous communications regarding the customer reference number given, there is no breakdown of the alleged debt, nor even a hint as to who the original creditor might be. The "balance" (£350.00) is also suspiciously nice and neat. I've dealt with these muppets before when they re-defaulted me for a fictitious Cash Genie default. Could do with cutting to the chase with them to avoid similar hassles.
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I joined Xercise4less Falkirk in June 2014 rarely used it due to a knee injury that took ages to recover from. When I did use the gym I found it oversubscribed and young lads continually leaving weights lying around. I complained to staff but I don't think they bothered much. In June this year I finally decided to leave after I tripped over a barbell that was left lying around the floor which caused me injury and embarrassment. I emailed the Xercise4less manager informing him I was leaving. I received an out of office reply which stated he would deal with it on his return and I heard nothing more. I kept both emails and I've attached them to this post. I cancelled my direct debit a month afterwards and I thought that was the end of the matter. However I received a threatening letter today from Harlands demanding money from me because I had cancelled my direct debit. As I understand it as I was with Xercise4less for 2 years so I had already served my contract period. As I also understand I had cancelled my membership officially and I am not due Harlands any money. Clearly Harlands are making out I haven't cancelled my membership. Can anyone offer me advice how to handle this. Please see the threatening letter from Harlands and my cancellation email and their reply.