I am fuming my son received a message to set up an account with them regarding a debt? He is not in debt but did as told just incase there was a debt that he did not know about. He gave them a reference number and he put it it and said it was wrong name so he tried my name and my details just incase and it has bought up my debt. Surely they have no right to message a member of my family with any reference numbers as they would know my personal details. Who has given them my sons phone number? An Absolute disgrace. How to I go about complaining? I have phoned them up but they want reference numbers etc so i didnt go into any details with them. I have told my son to keep any message from them.

thank you for all you help silver fox really appreciate it!

I am absolutly positive i didnt sign an online agreement i just put my personal details in and they accepted me. also they have spelt my name wrong on the simply be and fashion world account!! I didnt realise there was interest until about 3 months later!!!!

Thank you to you all for replying but can you just help me out a little bit more!! what is the difference between a cca and a sar??? What am I asking to do with a sar? i joined these catalogues approx 2 years ago and have always paid on time until recently.

1also the cca that i am thinking of ending has the request pursuant s.77(1) is the the right one for catalogues or is this for credit cards?????? as you can see your help is greatly appreaciated

i signed up online to each of these debtors. please help me

Do i send out a cca to all of them even though i havent made any payments to them for 3 months and also do i send out the sharing of my information one with that :confused:

hi I hope someone can help me I have 3 debts with this group I owe £1500 to Fashion World £1500 to Simply Be £285 with Viva La diva I just simply cannot afford there payments now and after 3 months of continuas harrassment by phone from them around 6 to 12 phone calls a day and letter i am at the end of my teether. I have tried to look at the forums to see if there is anything i can do stop them from harrasing me and stop the interest and £12 admin charges but i am getting confused!! Can anyone help me with what letter to send as i do not wish to speak to them as i find them very intimadating All help Greatly appreciated.

or do i do letter 3 as i should be doing my court claim tomorrow, as that is when the repayment for the fullamount was for. i am going to go for the whole lot as my wedding is not til next year so i have time to wait.

Barclays have offered me £1975 to settle the claim I am claiming £2635 and with the interest added it will be another £800 on top. Really unsure as that is a lot of money to me however an extra £1460 would be fantastic as it shall go in our wedding account. if i phoned up barclays and asked for the £2635 to settle without going to court what would they do as i am willing to settle at that. has anyone phoned them up and had their offer upped? :-| I aven't started court proceeding yet as this is their fourteenth day to get back to me before i put court action. Help greatly appreciated

thanks just got a tad confused as all the template letters have the interest bits but then i read that you shouldn't until you go to court. Thanks again my fellow welshy!!!

right ok, 14 days have gone by and i'm about to send my next letter asking for my money. I didn't put about the interest in the first so do i put about it now or dont mention any of it until it goes to court? I have read conflicting things about this. Help:confused:

thank you:oops:

tsk sorry just read what to do in another post sorry. I will wait for 14 days then send them the other letter:)

help!! Do i just ignore the folllowing letter they have sent when i sent them my letter asking for my money Thankyou for your letter received at this office 5th june 2007 I am sorry that you are unhappy with the charges you have incurred. Your comments are receiving attention and one of my team will contact you as soon as possible. May i take this opportunity to explain that whilst we will endeavour to respond to you within the timescale outlined in your letter, we cannot guarantee that we will do so. Sometimes it does take longer to fully investigate a complaint. However we aim to find a solution within four weeks. If we are not able to do so, we will always write to you explaining what is happening. A full report or an update on our progress will be sent to you within eight weeks Pleae refer to the enclosed leaflet which provides you with a more detailed explanation on how we will deal with this matter. Your sincerely Jonathan Wan what shall i do?? Wait the 14days as stated in my letter?? Customer Relations Advisor