In 2006, I spoke to One Spirit Book Club and informed them that I had not oredred 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 Acquisition filed a collection report with the credit bureaus. This caused a decline in my credi rAting which has hampered my refinancing process. I have written several letters, but have received no response. read full review »