Hi! Unfortunately my account was opened in 2009 online, but I never actually signed anything although I probably clicked on something that means the same? Don't know how I would stand on that one. However I will look at the link to your claim, everything helps and I just want them off my back. PastIt

Thanks for your advice, will definately have a read around site! PastIt. 8-)

I would like to know about this as well, to help my daughter - but I think in her case it may be too late. They are still pestering her but her dealings with shop direct were mainly up to 2006 when she became ill because of it. I wonder because they bring it up again to chase her could we bring up charges prior to 2006 under the same rules?

Received a letter yesterday which couldn't have possibly crossed with mine where they state that the £24 is arrears (which they aren't) and that I have until 3rd May 2011 to pay or else the account will be passed to normal collections activity. Also enclosed is an acceptance form that I am supposed to complete and return with the money. If I wish to discuss this account I can telephone them (no point). Letter ends with the comment 'I trust this clarifies our position'. Still not sure if I must pay this money, although I think not. Should I just send everything to FOS for their help?

Is their a reply to this query?

Not sure if I am in the right place, first time user! Anyway, does anyone know how I might stand right now. Last year I incurred two £12 charges for apparent late payment, they arrived on the same day. I paid up my account in full within a month minus the £24 and sent an email to say I didn't agree with charges, they replied that I had to. They have since been chasing me for this money plus a lot of interest. I did contact FOS who wrote to them on my behalf, they replied with an offer for me to pay just the £24 and I have replied that I still don't agree with it. What do you think?