Quick question, hopefully a simple one
Signed up to a local gym paying monthly a few months ago but ended up cancelling in the 14 day cooling off period. (They never returned calls to arrange an induction). Spoke to the manager on the phone who said he'd cancel it and that I didn't need to put it in writing. I did put it in writing though, despite him saying I didn't need to.
Anyhoo, a few weeks later I get a notification from my bank that a new standing order had been set up, so I quickly called and cancelled that before they took any money.
A few months later the inevitable is happening and I'm getting letters saying my account is in arrears (about 90 odd quid so not much). The latest says they'll be appointing a recovery agency and adding admin fees blah blah blah.
Ignored the first couple and checked my credit report to make sure it's not showing as a credit account - it's not.
Have emailed the gym and the credit company saying I won't be paying anything
Given that it's not showing as an active credit account and I've got written proof that I cancelled it - should I be worried about implications on my credit rating? It's currently nearly perfect so don't want it being harmed! I know the agencies always say that it will affect your credit rating if you don't pay, but that's only if they take it to court and you end up with a judgement against you, right?
Ta!
Signed up to a local gym paying monthly a few months ago but ended up cancelling in the 14 day cooling off period. (They never returned calls to arrange an induction). Spoke to the manager on the phone who said he'd cancel it and that I didn't need to put it in writing. I did put it in writing though, despite him saying I didn't need to.
Anyhoo, a few weeks later I get a notification from my bank that a new standing order had been set up, so I quickly called and cancelled that before they took any money.
A few months later the inevitable is happening and I'm getting letters saying my account is in arrears (about 90 odd quid so not much). The latest says they'll be appointing a recovery agency and adding admin fees blah blah blah.
Ignored the first couple and checked my credit report to make sure it's not showing as a credit account - it's not.
Have emailed the gym and the credit company saying I won't be paying anything
Given that it's not showing as an active credit account and I've got written proof that I cancelled it - should I be worried about implications on my credit rating? It's currently nearly perfect so don't want it being harmed! I know the agencies always say that it will affect your credit rating if you don't pay, but that's only if they take it to court and you end up with a judgement against you, right?
Ta!
