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<p>I got a call from them and I was under the impresion that i was getting an obligation free qoute. Unbeknown to me i have entered to a debt counsilling programme with them. Now I dont have access to my credit cards because they sent a 17.1 form without me signing any contract with them. And my fear is the impact on my credit score. Am really hurt and dissapointed by these people.</p>