There's no point in whining about them. We know they're ripping the public for all they can, any way they can. 58% rates, 28 day account periods when almost everyone gets paid monthly nowadays. My wife has a debt of £2096 with Marisota and I don't know how much with Very. (She says she doesn't know the password! I'm resetting it.) And a credit card, and who knows what else hidden. She doesn't work, I have to pay everything. I want to work out a prediction of where this will all go unless dealt with now. I can use spreadsheets but I'm not sure how they calculate the minimum amount. T's&C's say: The word is INITIALLY. That insinuates there will be something different later. Or is it so simple as 4% of the £2096? That is £83.84 but they are saying amount due is £251. How is it worked out? Thanks.

Here’s a bizarre situation! I received a ‘Marisota’ catalogue which included an order form. There were two offers printed on the form ... “a free weekend bag” and, more importantly, “20% off your first order”. I decided to order two pairs of jeans @ £16 each. Because I had no intention of entering into a credit agreement with this mail order company, I enclosed a cheque (payment in full) with my order form, and sent them off in the envelope provided ... this was on the 3rd June 2013. The cheque amount was for £29.59. This sum was calculated as follows: Price of jeans = £32, but with 20% (-£6.40) deducted as it was my 1st order = £25.60; plus post and packing @ £ 3.99; TOTAL = £29.59 My bank statement shows that the cheque for £29.59 was cashed on the 10th June 2013. The two pairs of jeans duly arrived ... but there was no sign of the “free weekend bag”, so I contacted ‘Marisota’ (aka JD Williams) via email to ask where it was. The reply I received was evasive, so I ‘phoned their customer service department to complain. The member of staff I spoke to arranged for a bag to be despatched to me, and I received it within a few days. Naturally I assumed that was the end of the matter ... I’d paid for the items; I'd received the items; and I'd received the free gift. However, a month later (11th July 2013) I received an email informing me that I owed £34.99. I immediately ‘phoned the ‘customer service’ department and explained that I didn’t owe anything at all ... and in fact I had never owed them £34.99. The person I spoke to said that there had been “an accident” with my account. She assured me that “the accident” would be remedied. I asked for written confirmation that my account was clear. She was reluctant to provide written confirmation, but she said that the next ‘account statement’ that I received would show that there was no outstanding balance. Annoyingly I received the ‘account statement’ this morning which indicates that I still allegedly owe £34.99! So I now have the hassle of trying to sort this out ... but in the meantime please could anyone tell me whether there are any relevant Laws, Acts etc that I could cite in my communications with Marisota/JD Williams, which might add more ‘weight’ to them?

********* POSTING FOR A FRIEND******** Hi just some general advice really. I have had these accounts for many many years and never failed with them until recently when i was taken ill at work. I have spent some time in hospital and as a result lost my job so on discharge i come home to find several letters including one threatening one from reliable lol ignored and filed under bin! So I faxed JD Williams direct and asked them to put my account on hold for 28 days while seeking advice. They have refused point blank but offered me a few low payments on 3 then a massive £37 a month on one.. yes it is the one I have had the longest and owe the most debt too but I cannot afford that. So in my reply I have asked for them to reduce this and also for reliable to be stopped in their attempts to threaten/bully me in the meantime. would you accept that this would be a good response or will they still refuse? I also am sure I took insurance out at the time to protect myself in case of sickness bereavement etc.. I have also asked them to look into this as well. I have no objection to paying as it is MY debt and up until November 2012 I was actively using them and paying them (more than minimum payment) correctly. many thanks in advance everyone just trying to help a friend out.

Im a single mum of 4 and i've fallen into debt with several creditors, of which Marisota is one of them. I have a DMP in place, but have agreed to pay 5.00 pm until im in a better position to clear the debt. I received a letter from Marisota saying that my account insurance has been cancelled. I didn't even know i had insurance! I also thought the point of having insurance on the account was to cover situations such as mine - struggling to clear the balance? Does anyone know anything about this? I'll appreciate any input. Ps: I haven't contacted Marisota about this as yet, because i'd like some feedback. I've Googled, but no information comes up