I'm sure you've had numerous threads about this
I cancelled my DD with excercise 4 less without informing them I would be cancelling.
I joined them on 7th September 2014 and cancelled the DD 6th May 2016, it was a 12 month contract.
Ever since then I've been receiving letters from CSR
today i received a letter from Spratt Edicott informing me about the debt I owe them of £186.47, and if I don't reply "may result in legal proceedings to recover the above balance unless you contact us to discuss your repayment proposals"
Please any help will be appreciated
Thank you in advance