I joined a gym that employed the use of ABC Financial and my findings were this. 1. I contacted aforementioned gym about canceling my membership before said year contract was up. They did not say anything about having to fax a letter to this service for them to cease charging me. 2. When I did fax a formal letter Nov.9th, my account remained “pending” until Jan.4th during which they continued to charge me for the gym membership. 3. They have no reasonable explanation for this nor do they for a “30 day processing period”. I cannot imagine a gym membership being so difficult to cancel. I would not advise this service to anyone.