B BYD Enterprises Inc

I sihned up for a membership on 10/23/13 and had to pay first and last month fee for a total of $130.oo. On 10/23/13 I authorized EFT for my fees and on 11/05/13 I resinced that and it was noted on my contract ( NO CHARGE CASH ONLY) there contract says EFT fees deductions may begin on the above date (date noted on my contract is 11/15/13) and shall continue until my membership is terminated or cancelled in writing (which shall be considered a 30 notice of intent to terminate my membership) pursuant to the terms of this agreement, OR UNTIL I INFORM BODY BY DISCIPLINE TO DISCONTINUE EFT. on 11/05 when I pad my balance due for the start up membership it was noted. on 01/15/14 I cancelled my membership in person. That evening a charge was sent against my bank account which resulted in a bank charge. I was denied a copy of my contract on 10/23 and 11/05 and was told its a internal document and members are not given a copy. on 01/16/14 when I arrived at BBD to discuss this fee I was given a copy and the copy was altered. the owner came by 2 hrs later and I received another copy which had the no charge ash only notation. I was then told I ahd to come in sooner to cancel the membership. I explained I paid cash every time and at no other time was a charge ever done. they still had my last month fee that was paid a few months ago. I read the contract and it does not say I had to arrive a day before the 15th. My dues are due on the 15th but my membership is the 23rd