My advice to anyone with a similar experience: ask around about a reputable contracts lawyer, set up an appointment to explain your experience (bringing the carbon copy of your "customer agreement" if you still have it), and have the lawyer write a letter to ATB alleging mispresentation and fraud and requesting confirmation of cancellation of the agreement that they believe you have with them. Be prepared to shell out $100-200 to pay a contract lawyer for writing the letter.
I had a similar experience with ATB. I agreed to only ONE MONTH of tanning, but later found out that the girl behind the counter had filled out my contract for 25 months total!
I currently have a contracts lawyer and am in the process of fighting it. If it's any help to you or anyone reading this, my lawyer said that what's happened to us is very common with contracts: a salesperson tells a buyer/customer something completely different than what's in the contract, and/or, as I believe what happened in my case, the salesperson fills out parts of the contract after the customer signs.
This is called "misrepresentation and fraud" under contract law. ATB's Customer Agreement has the "non cancellable" protection clause and also has the 'the customer signs this agreement with no blanks' protection clause...BUT those clauses mean nothing under law!!
Contract law PROTECTS consumers from fraud and misrepresentation, and the LAW is superior to any clause a business wants to put into their contract. Anytime anyone signs any type of contract that person has the right to contest the contract/business if they believe salesperson misrepresented the contract or lied to them.
In my opinion, ATB puts those clauses in its Customer Agreement to deter people from seeking legal counsel and eventually freeing themselves from these fraudulent contracts. People think they're trapped in their contract and have to pay. That's just how ATB does business. As a business they have a steady income of monthly payments from everyone they've done this to, and that's prob why can afford to so rapidly spread throughout the midwestern states. And probably why they have a D-rating at the Better Business Bureau (look up their rating online!).
I can let you know what happens later lwith my case if anyone is interested, I hope to resolve it soon! Good luck everyone!!