Membership subscription query

[littlecornish]

I recently joined The Entrepreneurs Circle (Business Club).
I knew it was a 12 month subscription
I have never had to sign anything
I can no longer afford this, so wish to cancel.

Can they stop me cancelling or chase me for money

[buildersmate]

If it is this one -
http://www.businessgr...isor.co.uk/495-trial/
- you seem to be able to cancel by phoning them.

[boxtops]

How did you join, surely there was something to fill in on-line, if not on paper?

[littlecornish]

i joined the non 12 month subscription first last year and then upgraded to the 12 month subscription version.

Tried cancelling today, but they said i couldnt as i had signed up for 12 months, hence the question

[buildersmate]

So your expression 'signed up' actually means that you verbally agreed to a 12 month contract? Is that what actually happened? How? - over the phone, filled in a weblink? How do you pay these people?

[Buenchico]

Contrary to popular opinion, very few contracts require a signature. If you buy something in a shop, you and the retailer have both entered into a legally binding contract. If you verbally agree to do my shopping for a fiver, we've both entered into a contract. If you park your vehicle on a car park, you've entered into a contract to pay the charges displayed. (Etc, etc). A contract can be entered to by word of mouth, by an action (or inaction), by a click of a mouse or in many other ways.

If you've agreed to keep up the payments for 12 months, you're legally obliged to do so. If you refuse to pay, the Entrepreneurs' Club can pursue you for the debt (including via court action) but the worse which could happen (apart from your credit rating being destroyed) would be that the Club could obtain a County Court Judgement against you. Such a Judgement would allow you to repay the debt at a rate which you could afford and (as long as you kept up the payments) no further action could be taken against you.

Chris

[tonywiltshire]

Chris is of course correct in saying a contract does not have to be in writing, most simple contract are verbal contracts, to be legally binding they must arise as a result of offer, acceptance, consideration & the parties must have the intention to create legal relations together with some other conditions which I will not bore you with. The trouble with verbal contracts is that the terms or condition are often more difficult to prove.
You have accepted the contract was for one year and if you fail to pay the Entrepreneurs club can pursue you through the county court and obtain a county court judgment, which may have unwanted implications on your credit rating.