I posted before about difficulties with my mobile phone supplier. Essentially my contract finished, I told them I was leaving and got a PAC number, moved to a new supplier and they continued to charge me. I cancelled my direct debit so eventually they wrote to me threatening to hand it to a debt company, wreck my (good) credit rating etc.
At this point I wrote them a strong letter and that got through to them, I had a conversation with head office who agreed that I had been wrongly charged, said they'd cancel the charges and close the account. They wrote to me confirming this. As that was all sorted I didn't ask for any kind of compensation for the time and anxiety etc as I just wanted it resolved.
That was a little over a fortnight ago.
Today I get a letter from a debt collection agency for the unpaid amount that was supposedly cancelled and an additional administration charge. I would assume that they have also made a black mark on my credit rating at this point too.
I have left a message for the person I originally spoke to who was supposed to have sorted this all out but not heard back yet. I am obviously very cross about all this.
I suffer badly from anxiety and this was a contributory element in me recently ending up back on medication including beta blockers. I was very relieved when it was all sorted but am now having visions of baliffs turning up when I'm here with the children etc.
My first route to resolution is I guess through the mobile company but they have thus far been monumentally inept. I was happy to just get it resolved last time but this time I feel that they owe me more than just a sorry.
Am I reasonable to ask for the following:
A full apology
A written confirmation from them AND the debt agency that this is a mistake and has been wiped from the record including any credit reference entries
Compensation to cover the cost of checking my credit rating with a minimum of two major companies (Experion and whatever the other main one is)
An administration charge equivalent to theirs
A further goodwill gesture in recognition of the stress and anxiety.
If this isn't resolved very quickly do I have any legal redress? Fortunately we've not long moved house so I'm unlikely to need to get a credit check any time soon but I'm wondering if they're harrassing or defaming me and whether a solicitor/ombudsman is the best route?
Sorry for the essay.
Please or to access all these features
Please
or
to access all these features
Mumsnet has not checked the qualifications of anyone posting here. If you have any legal concerns we suggest you consult a solicitor.
Legal matters
Is there a legal angle to this? Should I see a solicitor?
4 replies
BaffledSomeMore · 15/01/2015 21:46
OP posts:
Please create an account
To comment on this thread you need to create a Mumsnet account.