24 hour women's workout fraud heath, Ohio

In September 2010 I joined the 24 hour Women's Workout Express.  What a concept -- I can come and go as I please.  Bring in one of my own workout CD's and be more motivated than when I'm home working out.  I still believe it's a great concept!   I paid my $99 to join and $20 for my access key and it would be $20 every month.  Wonderful -- so I thought.   I realized mid November that they hadn't taken any payment out of my account so I tried for two months to get someone to contact me.  Of course, there was never staff there to ask.  Then I had surgery and didn't get to the gym.  Finally in mid January a staff member called and told me that it was there mistake and they wouldn't ask me for back payment and would begin taking payment out in February.  I thanked them and moved on.  When I was released from the doctor to finally work out - there was a sign on the door that stated they were temporarily out of power and it would be back on 24-48 hours later.  Two weeks later the lights weren't back on, so I started calling.  Never getting through at all.
They took out my February payment even though the gym was closed.  I paid a stop payment of $30 to my bank so they wouldn't try to take the March payment out of my account.  Now I have received two past due notices that I owe $39.95. 
I should have known that there was something fishy about the owner Steve Riffle because he was very "as a matter of fact", very assuming, very cocky. 
Watch out for any business you may be ready to do with him...he will take your money and run.