Thanks for the replies everyone. I have wrote back to the catalogue's using the advice given and received this reply today; "Unfortunately, we don't have any further advice as this is a Financial Services query and we do not have the training or facilities to deal with this part of the account. I have spoken to our Arrears and they have advised that their only method of contact is telephone and that if you are unable to call them, then we can pass them your number and they would call you. If you would like us to arrange this, please let us know the preferred phone number. Apologies we couldn't help any further" As Shop Direct do not have a sole email address (at least not that I can find) I have been sending the same emails to each of the 4 catalogue's, the above reply is from Isme, I also received this one from Very. "We have passed your details over to our Accounts Team regarding the issues you have raised and an advisor from this team is reviewing the information provided - should we receive any information from them then we will contact you with an update" I understand that all of these catalogue's are part of the same company. As I have received 2 different replies should I now write to Isme, Littlewoods and Woolworths and explain that I would like the same course of action taken by Very with them also?

Hi everyone! I currently have 4 catalogue accounts with the Home Direct Group (Littlewoods, Woolworths, Isme and Very) and due to a recent change in circumstances am unable to make my usual payments. I have emailed all 4 catalogue's explaining my situation, offering them a token payment and explaining that I would like interest and charges frozen as well as a review of my circumstances in 6 months time. I also mentioned that I would like to keep all correspondence via email or letter (So that I have proof of what has been said). I have received emails back from all 4 catalogue's explaining that, although they are grateful for me keeping them informed, I need to speak to the Arrears Department who can only be reached via telephone apparently. I have wrote back to each catalogue saying that I am not willing to contact them via telephone and asked what they may suggest I do. I have yet to receive any further advice from them. Does anyone have any advice they can offer me? I am insistent on keeping all contact to letter and email only as they do not have my telephone number and I don't want them getting a hold of it. I am keen to get all of this sorted prior to the threatening letters and knocks at the door. Any help would be very much appreciated!