very catalougue / shop direct finance debt

Hi

looking for a bit of advice ive got myself into a big debt with very catalouge & can no longer afford the £400 month i was paying

I cant bring myself to phone them as ive been receing letters & phone calls daily

I ceased payment in nivember 2014

I know i have ti start paying & can afford about £30 a minth which i know they are going to refuse

ive sent a CCA Request & today i received a very swift reply

my account was opened on 27th april 2009

they have sent me the following

1.a re-consituted copy of my credit agreement sent to me at the time of opening account ive not signed anything

2 . A copy of my current credit agreement which includes all applicable contractual variations and ammendments that have taken place since opened

when i did a cca previously on another company i had pages & pages of statements

None of the paperwork received has my signature on only my name and adress typed it also hasnt got a signature for a representative of the company

Is this a true copy of my credit agrrement ??





Thanks Lisa

very catalougue / shop direct finance debt