It worked perfectly, thank you. not sure what letter im to send this with, could you point me in the right direction please? and what am i meant to do about not hearing from them at all? is there another letter to send after the 2nd one? Many thanks for all the help, you guys are great!

i only have open office

It doesnt seem to be working for me. it says #NAME? in the 'days elapsed' and 'compound interest' boxes does it need to be opened in excel? as ive got it open in office.

just filled in the spreadsheet. whats compound interest? and im not sure what to put in 'days elapsed'

am i able to claim all interest and administration charges? ive been charged nearly £700 for them!

i haven't got that far.i got stuck with the calculator thing and decided to wait for their reply to the 2nd letter. i guess i better start the process of claiming the charges back.

hello again. well i sent off the 2nd letter ( demand for a specimen signature before complying with S77/78 CCA) on 17/08/2011 and ive still not received any reply. they just keep sending demand letters and the debt is forever increasing. any idea whats happening and what to do next? thanks in advance, Amy.

DONT SET UP A DD! i did this before and the company cleared my account. it was about 10years ago so i cant quite remember who it was (i think it was barclaycard) good luck with the debt. x

ive just had a look at the calculator...i think all this is going take some time to sort out! going to start tomorrow, beechams myself up and sort it out. thanks for your help! x

yes, i noticed this part but then the confused me. right, i will send the letter - Failure to provide a copy of the agreement within the prescribed timescale, and see how it goes from there. thank you so much, youve been a great help! x

does anyone have a link to a template letter to reclaim charges? im sure i saw one earlier but i can find it now!

ah ok. thank you so much x

sorry rebel, im having trouble understanding the summary. im in bed recovering from flu. ive asked my husband to have a look and hes clueless too. thank you for your help anyway.

so they dont need to send the original credit agreement? And its not worth sending the account dispute letter? i guess im stuck!

16/07/2011 -- -- FOLLOW 7 2.843% AMOUNT DUE 124.48 -- Service Charge £52.91 12/07/2011 -- -- ADJUSTMENT -- Payment Reversal £1.00 04/07/2011 -- -- PAYMENT - THANK YOU -- Payment £1.00 23/06/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00 23/06/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00 18/06/2011 -- -- FOLLOW 6 2.843% AMOUNT DUE 95.48 -- Service Charge £50.89 21/05/2011 -- -- FOLLOW 5 2.843% AMOUNT DUE 65.48 -- Service Charge £49.20 21/05/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00 21/05/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00 03/05/2011 -- -- ADMINSTRATION CHARGE -- Adjustment £12.00

yes there has been many charges! i had phoned them a while back asking if they can lower the payment. they told me they couldn't do anything until i had paid the £93? arrears. i said i could only afford to give them £30 towards the arrears. and they said it wasn't enough. so i didn't pay anything. now they say i made a repayment arrangement with them for £30 a month which i didn't! twisted my words! heres a screen shot of the current account situation. the arrears have gone up again.

oops! have done, thank you.

Hi there, i took out a account with fashion world back in 2006. i couldn't keep up the payments and the debt was passed onto reliable debt. the debt increased due to charges etc and i gave up paying at all. a couple of weeks ago i came across a template letter on here i could send asking for the original signed agreement. http://www.consumeractiongroup.co.uk/forum/showthread.php?235803-Jd-Williams-reliable-Collections&highlight=reliable+collections i sent it in hope that i could get rid of them but they've replied. i received a letter, all the items i ordered with dates and costs and 2 pages of credit agreements HOWEVER, these were not the originals! ive moved house twice since and they themselves have filled in my name and new address on the agreements!!! no signature tho! they claim they do not need to provide me with the original! could anyone advise me with what step to take next? the debt has doubled due to them so i refuse to pay anymore! photos of the letters are attached. Many thanks in advance, Amy.