Scottish and English debt laws are different, so if you are a Scottish resident and have questions on debt, then this is the place to post.

Moderators: TalbotWoods, JaneClack

By nodebtnow
#196434 I have a question. Basically, I terminated my gym membership, but incurred a final months payment for not advising them in writing. Anyway, I will be paying the £52, but received a warning letter from them today advising that failing to pay would affect my credit rating.
Would I be correct in saying that since the membership contract does not constitute a credit agreement (there is no reference to these words anywhere on the contract and T&Cs), that failing to pay would not result in a default, and therefore adverse credit notification, and that any recovery of monies would be purely a Civil law matter here in Scotland.

Can anyone advise?

PS I will pay the debt, but wil also complain about there scare tactics to Trading Standards.