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  1. Hi CAG 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
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