I also have had a bad experience with Cooking Club. I purchased a fry pan, granted I was late paying this but, I had financial problems, too.
Long story short I did pay for the pan and then 2 years after paying the bill, I am being dunned for the bill from a collection agency in New York. Not mention this is the 2nd time, 1 year earlier the same agency try to collect it also.
I am filing a compliant with NYC consumer's affair as this agency is registered with them.