Help Needed/Gym membership passed onto Debt Collectors

ShaunArtis

Hi there, In October 2015 I signed up to Total Fitness Gym, I cancelled my membership as i could not afford it and I am sure it was just outside the 28 day period etc which doesnt help. I had a call in January 2016 from a debt collection agency (cant remember the name) saying that I owed near 400 pounds. I told her that I was a student and I was unable to pay any amount as I do not have a solid income at the moment , and I never heard anything from them since, fast forward to march 2017 I had a call this morning from a debt collection agency in Scotland called Tenron ( i know this was not same company that called me last year) she was quite rude on the phone , I said I don't know how I can pay the 400 pounds , she then offered to reduce the debt to £236 ( did not even know that was possible) i said my situation is still the same and im unable to pay anything as money is quite tight and she said well have a think about the situation and call us back . Now I am quite worried, can I be taken to court for this is it likely ? or what would be best to do next?
Thanks in advance for replies
Shaun

MallyGirl

you might get more informed advice if you asked for this to be moved to the Debt Free Wannabe section

parking_question_chap

Did you sign a contract? if so what was the cancellation term?

Some are pay as you go, some tie you in to a minimum of 12 months and have a 3 month notice period.

When you say "cancelled", specifically what did you do?

If you broke your terms, the best thing would be to pay up what you owe. I expect their have deeper pockets to see this forward, than you do to challenge it.

DCFC79

OP has posted here

https://forums.moneysavingexpert.com/discussion/5622629