write to the press, local and national, write to anyone who will listen, i had a perfect credit rating for 30 years then i joined utility warehouse to earn some extra cash and within 2 months i was on an IVA, it is a legal rip off, went to off gen and the bills showed only 74 for services and over 1100 in club fees, apparantly this meens they cant do anything, utility warehouse club have very very good legal advice and i got nowhere but want to warn everyone out there. also go to citizen advice and your local MP, legally if you pay a reasonable amount, say 30 a month they cant cut you off but you will still keep piling up the charges and interest, i have no doubt that they will trace me again for posting this and try to procecute me once again but i will keep it up!!!!!!!!