i will stand firm, and let you guys know what's next. Thank you so much for your concern!

many thanks, i will do some researches and readings

I've been with littlewoods for years, set a direct debit for monthly payment from the very beginning. cos i am quite a careless person, in case i forget, i always set direct debit for payments . When i stopped receiving any catalogues or statements, i shopped elsewhere even left some credit in my Littlewoods account for a long time. Last christmas i shopped again from Littlewoods, with direct debit setting and credit left, i did not even think about the payment issue. On 2nd March 2011, I received a phone call from Littlewoods informed me that i had arrears totally 50 pounds, i was so confused and could not access the internet at that time, I requested a full statements to be sent and promised to pay after i find out what's happening to my account. Unfortunately , i did not receive anything after that and i totally forget about this. Most importantly, i was Not told there had been charges or there would be charges to my account whatsoever. Until few days before, on 8th April, I finally could access the internet, I logged on littlewoods to check my account, and was so shocked to find out my balance turned out to be 86 pounds! I called them right away, spoke with an adviser. According to her reply, littlewoods might remove my direct debit information since there were no activities for a year which i totally have no idea about that. Moreover, i was told that there were five charges added on my account but she could not tell me when did the charges start or how frequent they added those charges. I insisted to talk to the manager, she then promised to get the manager to call me back. But no calls from anyone that day or any following days. I filed a complaint on 8th April after the phone call, got an email back on 10th April said my complaint would pass to a manager. I was hoping the problem would be solved. But to my greatest anger, this morning when i logged on littlewoods, i found that there was another charge been added to my account again just yesterday 11th April, the total amount shows now 98pounds in arrears. Instead of giving me a definite answer, they just keep putting charges to my account. Here's my statement below. As you can see, within around one month period, they put 4 charges to my account, the most recent one was after i talked to them filed a complaint failed to get any response, Balance b/f from last statement PAYMENT NOT RECEIVEDOther Items 03/03/2011 Debt Collection Telephone Call Fee12.00 19/03/2011 Missed Minimum Payment Fee12.00 Pending ItemsAdjustments To Your Account 28/03/2011 Debt Collection Letter Fee12.00 4WK 11/04/2011 Debt Collection Letter Fee12.00 4WK According to this trend, every 10 days they claim to have sent a letter , which i have never ever received a single, would charge me 12 pounds, soon there will be hundreds of pounds arrears on my account!! It is so unfair!!! I am so frustrated guys!! I cant believe that's the way Littlewoods treat their customers, that's totally outrageous. Please, someone help me! Give me some advice to deal with them! Really drive me mad! Is it even legal???:sad::sad: Your time of reading this and any useful replies are very much appriciated !!