answer:I am not sure of the laws in your area, however phoning you or her five times a day is harassment. Are you protected by the National Credit Association? If so contact them. You can also contact the Ombudsman which if you Google for your area should throw up a list of different consumer services and relevant Ombudsmen This body will intervene and clarify whether the matter regards the bills sent for dates not even used. I have had similar stories but I simply ignore. Plus an account I cancelled three times that never cancels. Do you have any saved correspondence regards the cancellations? Also with the money owed, she can answer the call, make a commitment to paying so much on a certain date, and put it in writing and save to a ‘Disputes’ folder. If the bill is not in your name? there is no reason for them to be calling you at all.