Apologies in advance if this is long but don't want to drip feed. I also appreciate that maybe I should post this in Legal but I'm wondering if I've done something wrong stupid here.
Back in June an Avon Rep/leader knocked on my door asking me if I'd be interested in becoming an Avon Rep. I had heard of Avon and had bought things through my mums rep a few times so let her in. I also was no longer working having suffered a breakdown some months prior so was interested in the possibility of earning a bit of pocket money.
As soon as she sat down I felt very pressurised, without asking my permission she phoned another leader who got brought round in a very posh car and the first leader let her in, all while I just sat there feeling like a guest in my own home.
She told me that her original rep for the area had let her down and that I would have half the small estate I lived on to canvass and that another experienced rep did the other half. She handed me a small flyer about becoming an Avon rep which she told me to keep and then launched into such a hard sell that I began to feel panicy. I explained that I was off work suffering a break down and that I was experiencing panic attacks. She told me doing Avon would be excellent for my confidence and from my round I should easily earn £150 p/m. I got a note pad and pen out as tbh I had absolutely no idea how Avon worked and wanted more information.
Maybe I'm stupid but I honestly thought Avon worked a bit like a paper round. I deliver the books, pick up the orders, the orders would then come ready, I deliver them and get the money and then hand it to the boss once a month or so. I know for a fact I said this to her and asked if that's how it worked, to which she replied "yes pretty much". Herself and the other rep were in my home for almost an hour, taking phone calls, doing other stuff while I basically sat there feeling very akward. They both gave me the hard sell, spending most the time going on about extra gifts I could earn if I sold so much without ever going into detail of how being an Avon Rep worked. I asked on at least 5 occassions could she please explain exactly how it worked and was repeatable brushed away and eventually told " Uh you are a worrier arent you, your worrying about nothing, it's really very simple" Without ever giving me an explanation.
She then brought in a massive bundle of Avon books from the car and told me I must get the books out thy afternoon (it was already about 3pm) I again told he I'm not sure about this please can I think about it? To which she told me to just deliver the book today and shed come back and speak to me later in the week to answer my questions. She was extremely insistent and said firmly "you will get those books out won't you, don't let me down".
She briefly explained the pay scale for how much you sold but went into basically no detail about what it involved. At one point the 2nd lady could see I was looking very unhappy and uncomfortable and said to the other lady " I don't think she's keen Sue, maybe we should see someone else" but the leader replied "nonsense she's worrying over nothing". They left menwitg 50 books and order forms and this small flyer she handed me at the beginning, promising to return in a few days to answer any questions. I am 99% sure I signed nothing,I know for a fact I nerve signed any lengthy or detailed paperwork as I have been stung in the past and would always take time to go over it. The other lady did take a photo of my driving licnence on her phone though.
Anyway I delivered the books as asked, picked them back up and delivered again. Whilst on my round I got chatting to an ex Avon worker who warned me that it wasn't worth it, I would make a pittance and that it was a waste of time. I collected the order which totaled £90 meaning I had reached the target for earning something (about £7 I think) The leader who signed me up promised to come back on the Friday but never showed. I decided I couldn't be bothered with the hassle of it tbh and told her i didn't want to do it anymore and could she please pick up the orders. Although she led me to believe she would deliver the orders herself she told a delivery van was on it's way and she couldn't stop it.
Once the delivery arrived i opended the box to find lots of paperwork. It was very clear I had entered into some kind of credit agreement (without my knowledge) and tbh in my mental state was very scary. It detailed that I had effectively bought the orders on credit not the customers and that i was responsible for returns and paying the customers back even 6 months later if they weren't satisfied. This was not what I believed I was getting involved in
I treys ringing the leader many times but she never answered so I sent her a long txt message explaining that I never knowingly agrees to a credit agreement, had not given permission for one, had repeatably asked for how it worked to be explained without answer and that she had led me to believe I had time to think about
it. I told her I wanted out immediately.
3 of the 7 orders has been friends. While I was waiting for her to reply they turned up and asked for their orders. I explained the situation and thy I was sending the lot back, but they pleaded withe to let them have their orders. I thought fine, when she comes for delivery she can take their payments but I'm selling more. Eventually the Leader replied saying she was sorry I was upset and that she would arrange to pick up all the stuff the following week and close my Internet account (another thing I had no idea i had 
. She then made some excuse about being away for 2 weeks but would come on a certain date. She told me she had closed my account and to ignore anything further from Avon.
The next day new catalogues, bags and order forms arrived with a bill for them. Another important thing is she told me there would be no finacial outlay on my part and gave me no literature explaining it. By now I was sick of the whole thing and just glad unwashed out of it. I took the Avon books in and put them away. The date the leader said she would pick everything up came with no sign of her, I called several times but no answer.
The next day a car pulls up and a smartly dressed women I had not met before comes to my door. She explained she was from Avon and had come to pick up the unused catalogues and stuff. I gave her all the crap they had given me including the undelivered customer orders which i had resealed in their box. I explained to her that the money from the 3 orders I had collected was in there in an envelope and that it should all tally up. She thanked me and left.
Over the next few months I received a few letters which were clearly from Avon but never opened them and threw them straight away (as I was instructed to do) I had no further contact from the Leader so assumed all was dealt with thank god.
Today i open a unmarked letter and it is from some debt collection agency - door step division. Telling me that if i do not pay £90 within 7 days an enforcement officer will visit my home and they are looking to take court action! It also states my credit record will now be damaged. I mean seriously what the actual fuck?
HOW the hell can I have entered into a fucking credit agreement without my knowlege or permission? I know I never signed any documents! I gave basic details and at the most I may have signed a small card confirming my I.D but I am 1000% sure I never entered into any credit agreement or contract of any kind
Please help me. I know I was stupid in hindsight and should of just sent her packing, but i seriously feel like I have been scammed here. My mental health is still quite poor and since being signed off work I have fallen behind with a few bills so I'm already stressed over debt, but I just don't get how the he'll this can be allowed to happen?
I am so sorry it's so long, thank you for reading x