This is my journey In 2009 M & S send me an application and purportedly terms and conditions on the back which they say is embodied within the agreement. Collect Direct get involved, quickly disappear when I send the account in dispute letter. Then Rockwell get involved who then are replaced with Credit Security who are then replaced with Fenton Cooper. They are shown the door and then Credit Security come back - keep up. In 2010 M & S send another copy of the application together with different terms and conditions although they say they are the "current account terms and conditions" Both terms and conditions are illeligible. They say in both letters that both terms and conditions would have been on the back. They are obviously clutching at straws as this would have been impossible. On Friday I received a letter from Sigma Red Limited saying the debt had been assigned to them together with an M & S letterhead saying the account had been sold to Sigma. Both typed out by Sigma as the font on both letters is the same. Both came in the same envelope. The best bit - they have put somebody else's name in both letters. The correct address, account number but just the name is different. Hilarious. What will they come up next. It is obviously a typographical error but to claim the M & S letter came from M & S when the name is wrong is shocking. Surely the assignment letter should have come from M & S and not typed up by Sigma. Do I just ignore them as far as I am concerned there is no-one at this address by that name. HH