about the charges saying they are unfair?

cool cheers am I right in saying I could take it to the financial ombudsman and complain to them about to?

what do you think about the charges ect? the debt helpline said they sound unfair, but im no expert on any of this as all they can go by is what I tried to explain to them, Ive put a star next to the invoices on the statements and the rest are payments made, one credit for an item sent back and lots of charges

my partner said she was never sent a contract, she did say filled out a form to get the catalog though.

thats the all I got back of them but like debt helpline said it seems like they may not have a signed copy if they didnt send one thats signed

original debtor reply/ unsigned contract/ and satement all .pdf

just scaning the reply I got and converting will upload the covering letter/ unsigned contract and statement now, 2 secs

to which I replied saying this 24th July 2012 COMMERCIAL CREDIT SERVICES BELLWAY HOUSE 7 WORCESTER ROAD BROMSGROVE WORCESTERSHIRE B61 7DL Dear Sir/Madam Account No: With reference to the above agreement, I would be grateful if you would send me a copy of this Credit agreement and a full breakdown of the account including, any interest or charges applied. I Understand that under the Consumer Credit Act 1974 (sections 77-79), I am entitled to receive a Copy of any credit agreement and statement of account on request. I enclose a payment of £1 Which represents the fee payable under the Consumer Credit Act 1974. I understand a copy of any credit agreement along with a statement of account should be supplied Within 12 working days. I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an Agreement if they fail to comply with the request for a copy of the agreement and a statement of Account under these sections (sections 77-79) of the Act. I look forward to hearing from you Yours faithfully

then we heard no more but then a year later these guys send one ccs.pdf

[ATTACH=CONFIG]37687[/ATTACH] moorcroft.pdf

first letter was sent by moorcroft to which I filled out there online earnings form for my partner basically sayin x and y = they get £0

im gonna scan letters ect in order of how they came and what ive said and sent to them in reply to give you and idea what i mean.

Hi guys am new to the form and looking for some advice, I spoke to the national debtline and the sent me an info pack, which I used there template letter (information about your credit agreement under consumer credit act 1974 sects 77-79) the catalog company replied with an unsigned contract and a very interesting statement, 2 questions 1) has anyone got a template letter where I can challenge them saying I don't believe my partner signed a contact (debt line said normally if they had a signed contract they would have sent it) ? 2) my partners orginal debt was £425 she has paid about £701 back already and they still asking for around £500, there lots of service charges and deafult sums they are asking for and the default sums are £20 a time (charges add up to not far of £800), not sure but yet again the debt helpline guy said could challenge them cause they sound like unfair charges on the amount, yet again they told me to write a letter quote about office of fair trading debt collection guidance 2011 and saying about how the charges ect are disproportioniate and dont actually represent any necessary costs please please can someone help im no good at writing letters and really feel what this catalog company is doing to my partner is wrong, these charges are crazy, can someone help with a template letter??????????? Thanks Alan