Hi all - just to let you know, this "company" are still alive and kicking some 2 years or so afer these posts. They are definitely used by Creation still and I have reported both companies to the Financial Ombudsman today.I had a storecard with Creation and they continually added unfair charges and interest to it. I begged them to send it out to an outside collection agency but they refused. I offered them £500 in full and final settlement (the credit limit on my storecard, so Ihad certainly not spent more than that and had made regular interest repayments until the dispute commenced) but they refused - oddly enough, on unheaded paper. The resultant stand off saw the debt spiral to well over £1000 until the Ombudsman became involved. At that point, despite accepting my offer of £500, Creation saw fit to send the debt out to this outfit - West Midlands Debt. They then denied receiving cheques and so on, then tried to cash them after advising me to stop them, and became progressively more unpleasant and threatening - they would ring up saying "Confirm your date of birth and post code" - never a please or thank you.Things came to a head on Saturday - a woman called me on Saturday morning, I advised my offer had been accepted by Creation with an end date for payment and Creation had told me they were no longer using West Midlands. That employee then rang me back around 40 times. I made the mistake of calling the mobile number I found out on 1471 from my mobile - thus giving her my mobile number too!She then called my daughter 15 - 20 times while I was driving. She refused to give her name and said she was sending "people" round to my house at 6am the following day, Sunday.BT and 02 both advised me to call the police.Bullies like these who threaten people are not real debt collectors - so just report them to your local trading standards, the Financial Ombudsman, the police and anyone else you can think of. The sooner they are put out of business, the better. And the sooner big companies like Creation start dealing with their own debt and stop using outfits like this, the better too!