Hi Andy Thank you very much for your help. As soon as i receive anything i'll post it up. Naz.

Hi Andy. Thanks for your reply. I wanted to add to the letter that i have contacted both parties to know who i owe this sum to but they were both unhelpful. That i want them to send me something that prooved i owe this to that compny. Can you help me put this in good English. Thanks to everyone's input. Naz.

Thanks v much dpick, Only problem is i think it's littlewoods but can't be sure. I'm thinking if i shud call them and ask if there was any outstanding bills? Regards Naz.

Cheers for the input, it is helping in making me feel better. Naz.

HI, got same letters, was just wondering what happened? Naz.

Hi dpick, Read your post, did not realise it could go on or so long, hope you've sorted everything though. I hope mine does not keep going on like that. I do think though that i never returned the signed CA. If anyone else bump thru this thread RE: the cc letter do I send it to BCW, or pheonix? Naz.

Oh and thanks Pinky69! Missed your post lol!! Naz.

Cheers allwood, I'm now ready to log off and tackle the rest of my housework! Oh what joy!! Naz

Hi again, printed off letter, One last question, what is likely to happen in the event that they do send me a copy of the credit agreement? Cheers again. Naz.

Thank you Allwood, All advice from all of you guys has been very helpful. This has been a very stressful weekend. On the letter they had a 0871 number which is suppose to be a 24 hr payment line but was closed at the weekend. But after nearly 4 hrs on the internet i now feel a bit better thanks to you guys! NAz.

Thanks allwood and rooster, I found the CCA template, and it sounds good to me. Will send it off tomorrow by recorded delivery. So if i do not hear from them for next 12 days ht should i do then?

Sorry I meant to know what the £1 was for and to who it's for, Thanks pinky69. so i suppose it's for BCW. But i still am not sure if i need to send the cca.

Sorry if i seem a bit thick, Read about the CCA. If i send the CCA, am i not saying that i'm not prepared to pay? What if they do come up with the correct documents etc? Will the charges not be more than what it is now? All i want to know is what and to who i owe it. Sorry to pester you guys. Naz.

Thank you very much or the reply. I have been reading thru some of the other posts. I'll send one now. Also in one of the post it states to include a postal order, Can anyone tel me what this is or plz? Thanks again Naz.

Hello all, I do apologise if this has been covered somewhere..I have rd thru a few posts but still can't get any answers. So i begin with the first letter dated 26march 2008 from BCW. This was a formal demand for the sum of 97.19. Persuers: Phoenix Recoveries(UK) LTD. I could not reply to this one as i have ben away since 23 march. I came back on 20 April. The second letter is dated 5th April and is a final notice. I called bcw to ask what the debt was about as i am not sure but it could be a catalogue debt not sure if it's littlewoods. I was told they did not have this info and that i should called phoenix. When i asked for the number i was told to ring directory inquiries, which i did but did not get a number, so i started to look it up online and came up with this site. The number that was posted here was for a different company and were not of much help except to confirm that they thought phoenix deals mainly with catalogue. So i do not know where to start and seek any help or advice from you guys. Thanks in advance Naz.