I had a T.Mobile "pay monthly" contract for over 6 years. However this April I decided to change providers and telephoned T Mobile to cancel my contract. I only had to give them 1 months notice as I had already come to the end of my current 24 month contract. I cancelled my direct debit with my bank after the final payment had been taken ....So far so good. But a few months down the line I receive a demand via a debt collection agency for over £100. Apparently my contract had not been cancelled as promised. I tried to phone them to explain but they did not take much notice telling me that it was owed and I would have to pay it or risk court action etc. So I paid it in full and asked them again to cancel my contract which they assured me they had. This time I kept an eye on my account online and was horrified to see that they were still trying to take out my monthly fee. So I wrote to them this time and sent it recorded delivery. Today I received another demand from a debt collection agency for two months contract payments. The usual threats pay up or risk legal action. I have since lost the receipt for the recorded letter so I have no proof of sending it. I have no idea what to do now other than pay up.. AGAIN! Any advice would be helpful. Thank you M.

Thank you Scott. I will look back tomorrow Thank you for your help. JMG

Just a quick question: What is the procedure if Cap One do not supply all the information requested under the SAR? They have only supplied a copy of the original Credit Agreement so far. The 40 day time limit is up on the Wednesday 13th. Thank you for your time. JMG.

Please read the story so far above.... I today received a letter from Cap one, which included and I quote "a reconstructed" copy of My original signed agreement, with a scanned copy of the signature page. The agreement is not in dispute however.. what has confused me and it does not take much, is they now want to charge me another £5.00 for copy statements. I already sent them £10 for the SAR... Surely the statements copies would come under this SAR? Plus they also state that the 40 day time limit to supply me with the SAR does not start to run until they receive this fee! I know that this account was paid in full and the statements should prove that or at least prove that the account has not been used since then. Do I send them the extra £5.00 or insist that they should be supplied under the SAR which has already been paid for? I am sure they are trying to make this as troublesome and costly as possible in the hope I will give up, but I will take this all the way to court if need be as I know this account was paid. They also warn against taking advice from internet forums. A clear sign that you have rattled their cage. keep up the good work! JMG

Thank you so much for your prompt and very helpful reply. I will gladly let you know of the outcome! JMG

Firstly, I do apologise if this letter is posted incorrectly. I have been looking over this website for hours and I find it extremely confusing. Facts: I took out a credit card with Cap 1 in 2000. I also had one additional card for my then husband. In 2005 we amicably separated. With proceeds from a settlement I paid off all of my outstanding debts including Cap 1. However, to assist my ex, I allowed him to keep his Cap 1 card until he could get a credit card of his own. I destroyed my card. He paid all the repayments, until sometime in 2006/7 ( I am trying to find out the exact date) my ex paid off the outstanding amount owed on the credit card and destroyed the card. He did send me proof. A few months or so later, a letter arrived from Cap 1 saying that my account was still outstanding and that I owed about £90 I telephoned Cap 1 explained that it had been paid off and they agreed and said that it was their mistake. Now 4 years later I receive a demand for almost £3.000 from Robinson Way, for this cap 1 debt. I requested a true copy of the agreement, and although it took them over a month, I received it today,with a demand to settle my outstanding debt within 10 days. Can I request a copy of all transactions on this account and if so how do I go about it? I know for a fact that since it was totally paid off, the account has not been used, so surely this £3.000 is charges of some sort! I appreciate any help in this matter. JMG