Credit report after cancelling direct debit

[getalong]

Currently in a dispute with a service provider, and are still intending to charge as I have to give one months notice. Will this affect my credit rating if I cancel the direct debit?

In detail: paying a membership for secured underground parking. Vehicle was broken into whilst inside its compounds and providers are looking the other way. Therefore I want to no longer pay for the parking and go elsewhere. They are responding generically, ignoring all my points and reminding me of the 30days notice required to cancel.

Not a lawyer
What does your contract say?
If you don’t pay then they could take action against you and that could affect your credit rating

Contract says park at your own risk. However im sure this is void if security provided is fully operational (which it wasn’t). And the contract doesn’t say anything about security may be offline etc.

Why are you so sure it’s void?

You are still bound by the contract, just as they are, unless there is a substantial material breach which means it is or can be terminated. You can cancel the Direct Debit which will likely put you into default, that will have a negative impact should they report it and provided the contract is sound they could enforcd the debt through the courts.

I don't think you are right on it being void, however someone with legal knowledge would need to read the contract to be sure.

Thought process on being void; if the service advertised is not met how can they charge. Surely that’s mis-selling?

If I advertised storage with surveillance and padlock but turns out neither were in force, I couldn’t still charge because the contract says “leave at own risk”???

There’s your thought process (which is reasonable) but then there is what the legal position is.
Probably 2 very different things

You need to separate the two things. There is a contract that you agreed to and there is a potential breach of the contract by them. You can't just renege on paying what is due because you're in a dispute over the service offered unless the other party agrees to your right to offset these costs.
The contract should state when you can cancel, is there a minimum term for example, how to cancel it and what notice period is due. Follow the cancellation process as laid out and then your liability is over. If you think there has been a breach of contract on their part then you'll need to pursue them in court and issue an LBA.

As to whether cancelling a DD would affect your credit rating, forget the number it's made up. If the service provider reports to a CRA then there is the potential for a default and/or taking you to court for a breach of contract.

Seems I’ve lost this one, but still thanks all for the feed back. It’s one of those suck it up and think twice before using service again.

Have a good xmas