This company reported collection activity for books I never ordered nor received. In 2006, I spoke with a rep. of One Spirit Book Club and informed them that I had not ordered, nor received the books for which they were demanding payment. They excused themselves, and that was the last I heard of this until January of this year when West Bay Acquisitions filed a collection report with the creit bureaus. This declined my credit rating and has hampered my refinancing process. I have written several letters, but have received no response. read full review »