Hi, Im brand new to this forum and would appreciate a little advice?
I'm in a lot of debt problems and I'm only just starting to face up to them and deal with it.
a year or so ago i ordered from a few catalogue companies, one being Fashion World...i think the whole company comes under JDWillams ltd.
...anyway i have been getting letters and phone calls and now today a letter to say someone will be "making an appointmnet to contact me at home" today, which I'm sure is just to scare me into doing something, but the reason i need advice is that i have never signed a credit agreement with them, i ordered stuff...they sent it out along with a credit agreement for me to sign and return which i never did at the time.
so where do i stand in terms of my debt with them if i never actually signed a credit agreement? i would really appreciate any advice i can get, i live alone and I'm struggling to face up to my mistakes and deal with it all the last thing i need is people calling at my door asking for money.
Thanks