I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. 
Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right.