Hello all I write this thread in assistance to all who may find themselves in a similar position. I have started to get the dreaded letters and constant phone calls, calls from variously named companies, calls and letters which would and does shake the uninitiated, from a particular company called Lowell Scary - yes they can be - intimidating - yes they can be, however thanks to this wonderful community that is the CAG, help and assistance is always close by, closer than you think! Now, these letters and phone-calls are nothing new, in fact they are exactly the same as this time last year! is this deja vu? Opps - someones slipped up, ITS THE SAME CASE REFERENCE I SMASHED THEM IN FOR LAST YEAR IN COURT!!! With full assistance from these guys and gals right here... So - to re-iterate a little - I have kept the letters, listed times and dates of phone calls, I have time logged time spent so far researching and learning, I am using a time logging program which logs time and date synchronized and would be 100% admissible in a court of law as too its accuracy, I do this because its 18 pounds per hour litigant in person cost, this is the hourly rate paid for your time and effort because we are not lawyers, this is the cost the enemy will have to pay if and when we get to court, so far I have clocked up 7hrs and counting - [time spent reading these forum threads, and various law statutes etc.] Keep reading - I shall update you all regularly because I want them to continue just so anyone else can have a running record of what to do should this happen to you, with the same or similar circumstance......... Also it serves to notify the relevant bodies i.e. OFT OFCOM etc, of the downright foolish and destructible way these people are abusing their industry, intimidating and harassing everyday descent folk just trying to live life as best as they can. hopefully they learn some heartfelt lessons unless, they PLAY THE GAME FAIRLY. Alas until that time, watch this space! The facts are: YOU MUST ABIDE BY THE LAW, BOTH AS CONSUMERS AND ESPECIALLY THE INSTITUTES AND COMPANIES THAT WORK WITHIN THEM - IF NOT, THEN..... Khemist ps search my name in legal success to see my story... Thanks again to all who make up the CAG I would never have sounded so cocky if it were not for your help and treasured knowledge.