thank you all for your reply's i find them very helpful , and GodMother it would be great if you could find that specimen letter , as i will send that to them.. thank you all again for your advice , it is gratefully recieved.

this is what the letter says. thank you for your recent letter in this instance the original signed agreement will already be in your possession, having been sent with your first order. To acknowledge approval of the goods ordered you were asked to sign the agreement , to keep it in a safe place and to pay for the items accepted in accordance with the terms and conditions. A specimen credit agreement is enclosed for your information. It would be helpful if you would identify the changes in your circumstances since placing the last order on 03/12/2008 which now prevents payments even of a reduced nature being made. With all genuine cases of financial difficulties and without prejudice , we will be willing to hold matters in abeyance through the period of hardship subject to all reasonable efforts being made to maintain some form of token repayments if this is at all possible. Please be advised that whilst the debt remains unpaid and registered with credit reference agencies, it may adversely affect your credit worthiness. ok....so what do you all make of that ?? all feedback gratefully recieved.

recived today 2 letters they both had sample copies of the cca and one had this letter , please let me know your views on this. How do i make this bigger so as you can see it , cos it wont let me copy and paste ?

still no reply from studio , and no debt collectors at the door either....must be the calm before the storm.

the letter that we sent asking for a true copy of the signed CCA was delivered on 11/07/09 , so we are waiting for the reply now , will keep you all informed of the outcome.

im still waiting for a reply from studio regarding them sending me a true copy of the signed CCA , havent had any collectors at the door yet , but its still early days , so im keeping my rotty close to hand if they come and try to be awkward..lol cant wait to see his face when he see's the size of her.

thank you godmother and babybear , for all the info , it seems to me that studio run a very disorganised ship , and i will take them all the way , and there so called dca's , if i was to go into a bank for a loan , they wouldnt give me any money without me signing a cca , so why does studio ? very stupid in my opinion. i cant wait for the DCA to call at my door next week , cos im armed with all the advice from you all , god help him lol he will wish he hadnt called .

hi babybear39 , did studio have a signed cca from you ? and could you tell me who MH is please , as im not familiar with that one lol , thanks for your reply.

thank you both for the letter info , i shall be using them to send to studio , the advice i have been give is fantastic , im so glad i stumbled onto this site., i shall keep you informed of the outcome regards BBguns xxx

thanks for all your reply's he also wanted to know how much benifits she gets paid (cheeky git) for want of a nicer word , and said he would come back next week, if he calls again im gonna ask how much he and his wife gets paid and when , if he say's thats none of your buisness , then im gonna say TOUCHAY...and see what he says. my wife has today sent a letter to studio , asking for a copy of her signed credit agreement , and see what happens , i will of course keep you all informed of the outcome.

hi all. my wife had a visit today from the debt collectors, working on behalf of studio cards, he demanded to know when she gets payed her benifits , and offered NO id or his name , and he didnt say what firm he worked for , like many of you , she had not signed a CCA , so can anyone tell me where she stands on this , and where we go from here , any advice would be greatfuly recieved, many thanks in advance.

hi all. my wife had a visit today from the debt collectors, working on behalf of studio cards, he demanded to know when she gets payed her benifits , and offered NO id or his name , and he didnt say what firm he worked for , like many of you , she had not signed a CCA , so can anyone tell me where she stands on this , and where we go from here , any advice would be greatfuly recieved, many thanks in advance.