Quote:
Originally Posted by superbiatch
They add their own charges on for sending you letters and attempting to call you (even if they haven't!), so you've had a lucky escape.
Let this be a lesson to you, I'm 33 with a knackered credit rating due to a broken marriage and being in debt over my head. Save up before you buy anything 
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great advice, well i've improved my credit rating so much in the past year still got some way to go though.