jimjones44

Thanks. I think at this point. I am going to take the chance and see what they do. IDK if they would sell that debt to some other person because the collection agency hasn't bothered to contact me. But, let them come back and let's see what happens then. I want to thank everyone here who posted in this thread. I have a much clear picture than before on how the process works and how to handle it. Credit goes to this forum and you all.

First up. Thank you, All, for posting in this thread. I get tons of useful information from this forum. I do not see the collection currently on my account. So I did try to pull my previous report. What I see is Collection Agency : Agency Name Original Creditor : GYM Name here Status : Open Opened Date : MMM DD, YYY Closed Date : -- Responsibility : Individual Balance : $XXX High Balance : $XXX Remarks : Account information dispute

1) Yes, There was a contract. 2) Cancellation terms are 30 days prior notice. It was a sketchy one. During sign up, I paid the first and the last. Let's say I start in Jan, I have to submit the cancellation request in Jan before Feb billing cycle starts. So you will end up paying Feb, then March will also be active because you already paid first and last month. It's an absurd policy, which I overlooked when I signed the contract. Good lesson for me to read the contracts thoroughly in the future. 3) Nope, no cancellation fee but that 30 days notice is a tricky one by itself.

I will start off by seeking your 2 cents on below matter. I will be very grateful for your help and thanks in advance. I requested for my gym membership to be canceled but they continued to charge me. I blocked my card and disputed transaction with my bank who ruled in my favor and credited the amount back to my account. My gym was still trying to charge me every month, I went down in person to the gym, spoke to the manager and showed the proof of cancellation who then sent email to the billing department to stop charging. I thought it was all over, only to find a collection on my credit