I put in a request under CCA section 77/78 to pheonix collections I left it for 40+ days and still got no responce. I decided to log a complaint through my equifax account online and got a reply within days.. Response (Administrator)14/06/2011 03.10 PM Good Afternoon, We can confirm that we have received your request for a copy of the credit agreement in regards to this account. We can confirm that Shop Direct have been unable to provide us with a copy of the signed agreement for this account and have therefore requested that we close this account. Please be advised that you will no longer be pursued for this debt by either Credit Account Management on behalf of Phoenix Recoveries or our appointed agencies. We have arranged for our record on the files of the Credit Reference Agencies to be deleted. Please allow for up to twenty-eight days for your file to be updated. We trust this brings a satisfactory conclusion to this matter. Kind Regards, Credit Account Management I am totaly satisfied with this outcome and only sent 1 letter...lol The account was opened in 2002 then defaulted in 2008 as I was made redundant. £3653 + Defaults "PoooooF" gone just like that:-D cant believe how damn easy it was