[Scarlett]

Okay, even more fun... Company A has threatend me with legal action! as they state that threatening to take them to court constitutes a breakdown in customer relations. They said there response will be to counter sue me for everything that I owe them... oh and the charges are valid so we're not paying you them back...

Hmm... a couple of points...
1) I no longer have a card with them so they can sue me for £0, good luck making that one stick in court!
2) The justification for the charges etc consisted of stating that they employ staff to make sure you pay your bill each month. Nothing to do with going over the credit limit...
3) The old 'you signed the contract' argument. purleeze one more time for the hard of understanding. If a specific term of a contract is illegal then it cannot be enforced. So you can get me to sign a job contract stating that I will work for £1 per hour but I can still come after you for the extra £4.35 to make it up to min wage.

Will send the second 'pay up or else' letter later.

Company B is currently with the info commisioners office while they explain how microfilch is not a vailid filing system...

Scarlett.

oh and congrats to Lew for £780!