Many thanks kurvaface, I will certainly post up what they reply.

Do you mean I should ccad the credit card company or debt collection company? Many thanks for the quick reply before, much appreciated.

Thanks for starting a new thread for me maroondevo52. Only found this site a few days ago and cannot believe how helpful it is.

Sorry to sound like a plank but what is a ccad?

Sorry to sound like a plank but what is a ccad?

Does anyone know if, when a credit card company hands over your account to a service like westcot, if you still have the same rights to claim unfair charges they slap on at an incredible rate? Do they have to respond to the same "Unfair charges" letters, and send you a copy of statements etc? Furthermore, when westcot then sells on to another company and they charge you even more, is this legal? Here's hoping someone out there has some advice for me. Many thanks.

Hi Lou, I have received the same letter today, except I am the occupier and it concerns someone who stays with us. What decision did you make in the end, I am not sure what to do.

Hi Lou I have just received a letter saying the same, I am the occupier but the person concerned just stays with me. What did you do in the end? Can you advise me what to do next.