Thank you for your response. Yes I must of had a card as they returned a copy of the credit agreement dated 12/03/05, I certinaly do not ever remeber using it? What is a CRA? Who do I sent any request to, as the letters say Arrow Global own the apparent debt, but I also get letters from Fredrickson? What should I do next??

Hi, I would like some help in dealing with the following correctly. I was sent a letter from Fredrickson International saying that I owed monies. I did not know what this was about so asked for more information. I did not here any more untill contacted by Arrow Global with a letter of assignment. I asked for a SAR and received a copy of a credit agreement dated 12/03/05 from MBNACredit Card. I am still know more aware of the debt? What should I do know?? I am also not sure why I have the letter from Arrow but have been asked to reply the Fredrickson? Your advise and vies would be appreciated.

Thank you for your replies I have emailed Panasonic and the repairers to confirm warranty repairs.

Hi, Nice thought, Did use a Visa Debit card from HSBC. But not sure if they are they same thing?? Although I will contact the bank and ask??

What to do??? My 10 day old Panasonic GF1 camera was got water damage due to a flood from the flat above, (something in tank broke) this was just an accident however, I had to claim on my own insurance (Allianz) for replacement. I had to send the camera of for them to inspect. They now say they can repair it but the agony I have is the it was purchased on the 15th Jan with a 3 year warranty, this will now be void due to the water damage, the repairers says they will fit original parts but then only guarantee their work for 30 days. I sent it to them to confirm that this was a genuine claim I did not expect them to take it apart and repair it. I have read various reports of water damage being repaired to electrical items and then other faults occurring. Am I worrying about nothing or is there a way I can request an exact replacement? Looking forward to your thoughts. Do I go ahead with authorising a repair as I was

What to do??? My 10 day old Panasonic GF1 camera was got water damage due to a flood from the flat above, (something in tank broke) this was just an accident however, I had to claim on my own insurance (Allianz) for replacement. I had to send the camera of for tem to inspect. They now say they can repair it but the agony I have is the it was purchased on the 15th Jan with a 3 year warranty, this will now be void due to the water damage, the repairers says they will fit original parts but then only guarantee their work for 30 days. I sent it to them to confirm that this was a genuine claim I did not expect them to take it apart and repair it. I have read various reports of water damage being repaired to electrical items and then other faults occurring. Am I worrying about nothing or is there a way I can request an exact replacement? Looking forward to you thoughts. DO I go ahead with authorising a repair as I was