[antonye]

I agree with Paul - that sounds really dodgy.

How can the credit agency chase you when you've not actually signed anything?

I'm glad I stick with my broker (Rampdale). I don't pay more than anywhere else and they do all the hunting around for me. I'm sure I could save a tenner or maybe twenty quid if I shopped around, but for such a small amount it's really not worth the hassle.