Usenext - credit collector AIBU to ignore?

[IamtheDevilsAvocado]

A couple of years ago i paid 10 euros to access usenext for a month. They are based in europe.

I believed i cancelled it. Some months later i discovered they were still taking money from my account. - not pleased. I then rang them - they refused to acknowledge my cancellation or reimburse me. I then told them again to cancel and stopped my direct debit.

Now two years later i have a demand from a debt collection agency/possible usenext themselves, for 48euros for service. I wrote back outlining the above... They replied that the amount still stood... Quoting distance selling regs.

They are not budging on this.

Aibu in ignoring further correspondence from them-or will it be the worst for me?

[DoJo]

What were the terms of the contract? Did you sign up to a minimum length of time? Have you got written proof that you cancelled the contract?

[19lottie82]

just ignore it.

if they wanted to pursue it the next step would be court. they're not going to go there for 48 euros.

they wont be able to leave a black mark on your credit file either.

seriously just bin it.

[IamtheDevilsAvocado]

No minimum length if time.

I rang and advised them. I was clear i only wanted it for one-off access.

Would they be likely to takr me to court - i understand they're a german company.

[19lottie82]

no, they won't take you to court. especially not for 48 euro. honestly just bin it.

[LazyLouLou]

Don't ignore it. If they sell the debt on to a debt collection agency the amount will spiral with their costs and it might show on your credit record: either the original company or the debt collection agency can add a default notice, but only one per debt.

There are a number of companies that do this, we got stung by one and it took forever to get rid of them... as in the 6 year rue had to come into play as they were so sodding relentless.

Ours was a CC that we had proof we had paid off. But there was a couple of pennies (literally) that had accrued between the bill being sent and it being paid off. The tiny debt was sold, alongside hundreds of others, and Link eventually demanded £500 and added a default to my credit.

It took ages to get them to send the right paperwork. They rang and wrote and tried every wriggle in the book - that means that, in my opinion, they flew very close to the wind, legally.

After 2 years the arbitrarily allocated 6 year rule was up. I say arbitrarily as I had closed the cc about 15 years previously and they never did provide evidence of later payments.

So don't ignore it. Use anyone of the financial advice sites to draft a letter and get it sorted. Better a couple of hours now than 6 years of fighting it!

[19lottie82]

LazyLouLou Your problem was related to a credit card, that's a totally different kettle of fish, and I would never advise anyone to ignore a matter like that.

The OP's "debt" is already with a debt collection agency, a German one! So there's no danger of it being "sold".

Seriously OP, ignore it. If it was a banking matter, or a credit agreement was involved then I wouldn't tell you to ignore it. You CANNOT get a black mark on your credit history for this, trust me.

Tear it up and bin it.

[LazyLouLou]

A better piece of advice is to go onto one of the financial advice sites and look it up / ask advice there.

I know what I know, 19Lottie knows what she knows. I am not an expert, I am assuming Lottie isn't either.

Take proper advice, a quick Google will give you lots of options.