The gym
I missed a payment due to being a fool, and was charged £20 by the gym, and £15 by the bank. Mostly annoyed because I missed it by 13p, but due to VISA payments, it looked like I had it in my account, when I didn't.

I got a letter off their solicitors demanding payment, and that they would attempt to take it again on the 12th (or something). I then thought I'd be better off cancelling the direct debit, and setting it up for the 12th. I did this, and then got another letter off the solicitors, saying I'd incurred a £25 fine for cancelling my direct debit, even though it had been set up again. (Granted, not a very clever idea for me.)

After several threatening letters, to which I attempted to call them multiple times, every time it was 'Leave a message and we'll get back to you'. In the end, I just told them I wanted to buy out the rest of my contract, as it was clear they had no interest in accepting payment, just levying charges.

They sold my debt to a debt management company, and they've been absolutely brilliant. I've spoken to them 3 or 4 times, and every time they've been helpful, honest, and friendly. One end of the scale to the other really.
( Agnostic Antichrist Baltimora, Thu 25 Mar 2010, 9:28, Reply)