[sago]

> if not legally in all jurisdictions

Yep, you'd be screwed there too. If your agreement with the gym said you would unsubscribe by mail, and you just stop paying without doing so, they could recover the money.

Gyms make their money by having people pay without using the gym, so they wouldn't care that they aren't 'rendering services'. That's a big reason many companies, and most gyms, use subscriptions.

You could fight it in court if you want to. You might even win. You might even win the following battle to recover your credit score. But all that's going to be a lot more of a hassle than picking up the phone and cancelling in the first place. It takes a special kind of person to willfully seek such a pyrrhic victory.