I used rated people for 3-4 months and after not much joy with them decided i was wasting my money. I was paying monthly on a silver subscription ( £45 a month) i rang to cancel my subscription which they said i couldnt do as i was tied in for a year. I canceled my direct debit with them and they stopped my account from operating. I thought that was the end of it, i have just received a debt collection letter for £456.80 for the months i did not use rated people? Wtf! Surly they cant bill me for something i didnt use? Any advice?