DO NOT JOIN DAVID LLOYD! They are apalling when it comes to ending your membership. I joined on a 3 month membership, but to fulfill their cancellation terms would have had to cancel during month 2 to be within the timeframe for 1 months notice. The minute you go over 2 months you have to give 3 months notice! They automatically put you onto a 12 month membership if you do not cancel before end of month 2, the upshot being that a 3 month membership is really 6 months of payments, and a 12 month membership 15 months of payments. They have a policy of not discussing termination when selling you the membership so it all comes as a bit of a nasty surprise. Any refusal to pay and their VERY AGRESSIVE Debt Collectors ARC Europe are onto it immediately. PLEASE HEED THIS WARNING read more