I'll have to get back to you on that one, these companies send you a mountain of paper. Perhaps someone can help me out here, is it something to do with the Data protection Act and info being passed to a third party or debts being sold on?I feel I've read the guidelines somewhere.

Anyway, for me there's no turning back, I've signed up for this . I guess if you are right, it will be a case of fending off the debt collection agencies with harrassment letters.