Subscribed! I've had a letter demanding payment and 5 days later, one saying that I was being taken to court!!! This is all after I've been paying my Vanquis card on a weekly basis (I refused to set up a DD as I'm paid weekly and I can then control the amount of cash leaving my account using a SO. They are saying I haven't made a single payment since june last year!! Can you believe the cheek! I think this thread if a defo one to watch. I'll let you know how my progress comes along. Thanks again!