Debt in someone else's name

A question about : Debt in someone else's name

Hi, not sure if I'm posting in the right place but am really hoping someone can help me.

I joined my 15 year old daughter up to an Exercise 4 Less gym a while ago so that she could go with her friends, didn't mind this at Ј10 per month. After a while she wasn't going enough so we decided to stop the membership.

However, I made a mistake because I just cancelled the direct debit and didn't talk to the gym to cancel it properly.

I received a letter from Harlands (who must look after membership for the club) saying that the DD had been cancelled and that a Ј25 charge had been levied against me. Stupidly, I ignored it and have just received another one saying there is another Ј25 charge and now I owe over Ј60.

The thing is, the letter is being sent to my 15 year old daughter and not me and in fact is being addressed to Mr. She has a different surname to me to. The only link is that the payment have been coming out of my account.

Do you think I will be able to negotiate with them to pay the minimum amount or will I have to pay the whole lot?

Any advice is gratefully accepted.

Craggy

Best answers:

• Who signed the application, and the DD mandate?
• So, how long was the contract for and what were the fees described?
  I would be inclined to pay it off and cancel the membership via the correct method. Just cant just welch on a contract, no matter how annoying it is and cancelling a DD does not cancel the contract.
• Thanks for your responses.
  I did the DD over the phone, don't recall signing anything but I will check that.
  There was no contract either as it was supposed to be an easy cancel at a months notice.
• You failed to cancel the agreement properly. Call them, give the months notice & pay the fees. You can attempt to negotiate a reduction but tbh, their terms are pretty basic. Give notice, stop paying after notice period.
• In that case, give them a months notice, and pay them their Ј80.
  Not worth fighting over it.
• Did you sign anything or agree to anything online ?
• Hi, no I didn't sign anything or do anything online. The whole thing was done over the telephone.