As a verbal contract (which starts on the 30th June) was entered into according to Scottish Power CS when the MD was caught on the phone a few weeks ago Are there any options on how to cancel? I've asked for a copy of the Sales Call which requires a £10 cheque

Hi, I made a complaint to GoSkippy yesterday as they cancelled mine and my partners joint insurance because we got the date wrong for when his provisional licence started; they gave 7 days notice of cancellation. The mistake was unintentional but GoSkippy refused to let me amend the policy and pay extra instead opting to cancel the policy leaving me having to answer that dreaded question every time I apply for insurance from now on; they of course managed to charge me silly money for the cancellation as they said the mistake was ours and also told me I could reapply for a policy after ours was cancelled!!! I have a cart-load of no claims on another policy but this cancellation will still affect me badly so I want redress as this was an innocent mistake. As an aside, my partner today had a call on my mobile from Eldon asking him about an accident he has never had; he is a learner and has never had an accident and he has never given my number as a contact so what gives? I'm really not happy as what they have done is going to affect me financially for all time. Apart from going to the ombudsman which is next on the list, any advice anyone? I've read online they are terrible at dealing with complaints. Thanx

Hi guys I had my direct debit set up for tax. DVLA took first payment Monday 11th but wasn't due until thurs 14th. DD failed and now they have cancelled tax. I have a letter ready to send to them and my back regarding DD guarantee. Please see below for the correspondence etc Should i send anything else? Thanks Name Address 1 Address 2 Address 3 Address 4 Postcode Dear Sir, Account number: Sort Code: Company Name: DVLA Reference: Amount: Date The Direct Debit detailed above, has been deducted from my account on a date other than that agreed with the organisation Under the terms of the Direct Debit Guarantee, please re-credit my account accordingly and confirm in writing once you have done so. I have copied this letter to DVLA for their information. Yours faithfully, Cc DVLA Failure to tax vehicle: Dear Your Direct Debit has failed and you have not made an alternative payment therefore the tax is now void. You must now pay a penalty of £80 by 11/08/15, reduced to £40 if paid by 19/07/15 and the arrears of duty of £15.00 How to pav • By phone on 0300 790 6808 with a debit card or credit card, Lines are open Monday to Friday 9am5pm. This is a payment line only; you cannot dispute this offence by phone. • By post, send a cheque or postal order payable to DVLA. Write the vehicle registration number on the back of any payment and return it to the above address, together with this letter. To avoid any further enforcement action you must also tax the vehicle or make a Statutory Off Road Notification (SORN). You can Tax or SORN your vehicle online at http://www.gov.uk/vehicletax or by phoning 0300 123 4321. You must have your vehicle registration certificate (V5C) reference number to do this. Alternatively, you can tax at a Post Office@ branch that deals with tax using your V5C, insurance certificate for vehicles registered with a Northern Ireland address, fee and MOT if applicable. If you no longer have the vehicle you must inform us immediately by using the registration document or the back of this letter. You must still pay the penalty but do not need to tax or make a SORN. You should also complete the back of the letter if you have evidence to support a dispute. Failure to pay may result in one or more of the followinq actions: • Your vehicle could be one of the 50,000 we clamp or seize each year. • The debt will be passed to a Debt Recovery Agency, Yours sincerely Enforcement Officer On behalf of the Secretary of State for Transport Sent unsigned INVESTORS IN PEOPLE FDSN2 Driver & Vehicle Licensing Agency Dear Sir/Madam Failed Direct Debit Vehicle Registration Number: The Direct Debit to tax the above vehicle has been returned unpaid. You now need to apply to tax the vehicle another way. It must be kept off the road until you have done this. If you have already done this in the last few days no further action is needed. If you do not tax the vehicle you must keep it off the road and make a Statutory Off Road Notification (SORN). If you no longer have the vehicle you need to tell us. If you have already told us that you have sold or transferred the vehicle or made a SORN we will send you an acknowledgement within 4 weeks. If you have received this acknowledgement you do not need to contact us as this confirms we have updated our records, If you have not received it, phone us on 0300 790 6802. Yours sincerely John Hewson Vehicles Service Manager To get vehicle tax or to make a SORN online or by phone: go online at http://www.gov.uk/vehicletax or phone 0300 123 4321 You will need the reference number shown on your Vehicle Registration Certificate (V5C). If you cannot or do not wish to get vehicle tax online or by phone, go to a Post Office" branch that deals with vehicle tax. Take: your V5C the vehicle's MOT (if it needs one), and a valid Certificate of insurance or cover note for vehicles registered with a Northern Ireland address. By law, all drivers must be covered by motor insurance when they use a motor vehicle on the road or in any other public place. If you need more information go to: http://www.gov.uk/browse/driving Reference number: Please make a note of this reference for any future contact with the DVLA. Payment schedule instalment number Payment date Payment amount 1 14/05/2015 £15.75 2 01/06/2015 £15.75 3 01/07/2015 £15.75 4 03/08/2015 £15.75 5 01/09/2015 £15.75 6 01/10/2015 £15.75 7 02/11/2015 £15.75 8 01/12/2015 £15.75 9 04/01/2016 £15.75 10 01102/2016 £15.75 11 01103/2016 £15.75 12 01/04/2016 £15.75 Total Amount Payable: £189.00 If any of the above instalment details are incorrect please call us as soon as possible on 0300 790 6802. We are open 8am to 7ptTl Monday to Friday and 8am to 2pm on Saturday. Otherwise, no further action is required and your Direct Debit will be processed as normal. • be-de.t.eçhed änd reiåf.nad by: fhe påyerx•. DIRECT Debit Guarantee accepi instructions to pay Direct Debits Debit DVLA will notify you 10 working days in advance of your account collect a payment, confirmation 01 the amount and date will be given to you at the time or your bank or building socioty, you are entitled to a full and irnrnediate refund of tho baok when DVI.A asks you to your bank or building society. Written confirmation may be required Please also notify us. The Direct This Guarantee is offered by all banks and building societies • If there are any changes to the amount. date or frequency of being debited or as otherwise agreed. If you request DVLA of the request • If an error is made in the payment of your Dlzect Debit, by amount paid from your bank or building society If you receive a refund you are not entitled to, you must pay • You can cancel a Direct Debi* at any iime by simpty contacting !hat your DVCA

Hi all I have been in a contract with xercise4less for over my 12 month period and have since joined a new gym! I cancelled my dd as was now 'out of contract' I have just received a letter from hardlands group demanding a 25 quid admin fee and the cancellation period fee? Can I just ignore this? I am moving house soon in any case... Any help appreciated thanks!

Hello Everyone, I had a home insurance policy Full Bricks and Mortar plus contents with Axa via One Call Insurance which was cancelled with seven days notice in April 2015. The reason for this was that I had notified them January 2015 that a watch I had placed on cover was more valuable then I thought as I had been in a jewellers and they gave me a free valuation and in April 2015 had asked them to put a ring on cover that was very valuable. I had advised them off the valuations and was sent an email cancelling the policy with seven days notice later that day after they asked for further information. I complained to One Call about this because their email did not actually say it was a cancellation but they were unable to cover our home on the grounds that the valuables were now over the policy limit. I knew that I maybe underinsured but thought they would simply increase the level of cover and I would pay a surcharge. Once Call never offered any alternative. I then received a letter off them demanding a £ 77.00 cancellation fee which given the fact they chose to cancel the policy I felt to be unfair and unjust and if nothing else fell foul of Unfair Contract Terms Act 1971. Following a complaint to the FSA, Axa have written to me to state they offered One Call to place me on a higher level cover and that they in fact did not charge One Call any cancellation fee. The FSA say I have to declare the cancellation but it appears to be a grey area as to wether it increases the cost of my next home insurance or not One Call insist this situation will not affect future premiums as it is not as if I have behaved fraudulently but the FSA say it might. Does anyone know for sure, anyone working in insurance ? Apart from the FSA is there any way I could claim against One Call for the increase in premiums maybe on the grounds they have failed to act correctly on my behalf and thus breached their duty of care to me the consumer ? I would like to teach them some sort of lesson. Thanks in advance for your help Sean

Hi, I passed my driving test last year and went down the route of the examiner taking my provisional license to send to the DVLA in order to obtain the full one. According to everything i read and was informed about, the full license would arrive inside three weeks. one week in and in my excitement, i bought a car and via a comparison site arranged insurance. I had explained i did not at that time have the full license to send them, just passed etc and was told this would be OK as it should arrive before they would cancel anything, and to mail them the license when i got it. What i had failed to factor in was that my old provisional was valid but within the time frame that DVLA would require a newer photo. (they did not inform me of this until 4 weeks after i passed my test), so i had to fill in some forms and send them away, effectively triggering a new three week waiting period. This was to long for the insurance i had been offered and they cancelled it. (i was dealing with Autonet btw). They did however understand my situation and arranged a newer insurance with a different company (more expensive but hey ho) and i finally received my full license, sent them the documents and all was good. Now that my insurance is up for renewal (no points, fines, claims or anything - i have been a very careful new driver ) i am unsure if that first policy is something i have to declare to potential new providers? How serious a mistake was it on my part to go for a car before i had the paperwork in hand? thanks in advance

Came back from holidays last night to find my home insurance that I set up from 1st April has been cancelled from monday! And I get to pay £45 admin fees for the privilege..... Absoultely livid. Reason given - Risk unacceptable due to undisclosed claims. I put them all on the quote but it appears its been missed off the policy documents they sent out when I was away. But I definitely put my claim on there (as well as 4 yrs buildings no claims and 1 yrs contents no claims - why else would I do that?). And you guess it can't get hold of them today. Engaged permanently. Cheers Policy Shop for this. I guess now whenever I get insurance I will need to answer yes for had insurance ever been cancelled? I'm betting its now a higher risk for me..... Really mad....

My sons bike got stolen, police have found it and sent letter for collection, what are the fees as I don't know if it is worth getting back, if they keep it what will they charge him. he Thanks Mashmallow

On Easter Saturday I was browsing the internet looking for a cheaper insurance for a newer car I was picking up that day. Found it and signed up straightaway. I realised that my NCB wouldn't apply I then phoned the company I had for my older car (still on the road) to cancel that insurance to release my NCB certificate. The chap I spoke to said he would ring me back as he felt I was being hasty (and I now agree with him). The policy had only been in force for about 20 days so missed the 14 days cooling off period. He didn't ring me back so I don't even know if the policy has been cancelled. I now want to reinstate my old policy to cover the newer car as well. The MOT on the older car runs out tomorrow and is in the garage right now (probably not going to get through!). I had to add this to my new car policy so won't get that premium back. I did it all back to front and now realise I should have phoned my company first before hitting that send button on the website. I want to change back to the other company but feel embarrassed as I had got myself in a state of panic as I needed the new car covered. This is costing a fortune and I haven't driven anywhere yet. I wonder if I should just cut my losses and insist on a NCB proof as soon as possible.

I woke up this morning to an email from Post Office Van insurance informing me that my policy has been cancelled. I was laid off in the first week after christmas and had to reign in my direct debits to avoid bank charges and missed two payments. I started back work last week and had been planning on paying the money owed in full yesterday but did not get a chance during the day and so thought i'd call them today. However what I am really annoyed about is that Post Office simply cancelled the insurance. No phone call just a straight robotic cancellation. I will freely admit to everyone on here, as I did to Post Office that I have had a change of address and I have not therefore received any correspondence. However I still believe that for something as important (legally) as insurance, insurers should not cancel your insurance before speaking with you. This is 21st century communication. Letters are antiquated and too slow for matters as these. Even if I had been living back with my parents the letter would likely have not turned up today and I would now be driving around with no insurance with potential life crushing consequences such as car crushed etc etc. I check my emails everyday. A search in my gmail box shows no email from post office for at least as far back as november. When I called this morning and explained my personal circumstances and offered to pay the arrears I was told it was not possible. It seems curious to me that Post Office emailed me to cancel the policy, (therefore giving the cancellation notice special communicatitive consideration) but they did not email me to say that this was going to happen if this that and the other. That leads me to beleive that they know that sending letters is not the most effective means of communicating and thus the need to email in addition. As mentioned before I have not received an email for any reason in at least the past four months. The great thing for the industry is that this practice benefits the industry as a whole. For every person this happens to looses their NCB and has to pay a higher premium. Very convenient that flawed communication effort. Seems as it is a legal requirement for one to hold insurance to park or drive a car on a public road then it should be a legal requirement that insurance providers provide a reasonable, fair and accurate service. *******s. I have no idea what to do about this but I don't want to become a silent victim. I believe the above must be happening to many other people to the industries benefit. Does anyone have any suggestions about how or what I can attempt to get some justice? Thanks for any help on this, Daniel

i had a virgin media account where the contract ran out in may 2013 which i cancelled by post and phone. i then changed to sky. i had not been receiving my bank statements for a long time and went into branch on tuesday and got a print out of last 3 months. i noticed on there a dd going out for £50 to virgin media which i then found out had been going out since may 2013 to vm. i was confused as i have been with sky since june 2013 and been paying dd for them ever since. i have had no coresspondance from vm that im their customer no bills nothing. i contacted them by phone last night which was a foreign call centre. they have no record of this. i contacted them by online chat today. spent ages talking to them and then was told to go to onlinee chat to complaints department. complaints said theyd not heard from me since 2012 when broadband wasnt working. previous online chat said phone was disconnected but not other services in may 2013. why would only the phone be disconnected??? when its a sky broadband and tv package i have both with vm and sky? i brought this up and complaints person said no it wasnt done by you but by another company and are refusing to give me my money back. i explained i had called and written a letter. they said i hadnt. and unless i have a recorded delivery tracking number tehy will not refund me. i explained i had called them last night and they had no record of this. so maybe they did not have the record of my cancellign. they said 'no theyve done nothing wrong and they wont refund my money'. it is my fault i didnt notice but i have been under a substanstial amount of stress. i truley believe i did cancel it but did not cancel dd with my bank. i have a clear credit record and am applying for a mortgage which i have worked very hard for. i have spoke to my bank also who are refunding the money under the dd indemnity. what shall i do now? i dont want to messup my credit history but its £800 of payments for a service i did not use. They have sent me no bills (they said theyve sent them by email but i have none and my email is active and i check everyday) i have received no post from them nothing. the online chat man said he is disconnecting it from today and started my 30 days notice. i have no vm stuff in my house at all and it fully on sky. what i do please? need help urgently with this please. worried it wil affect my credit status for my house.

Hi guys, here's my situation: I closed my business down last June and cancelled my telephone & broadband contract with BT, no problems there thank god. Anyway, they have asked for a £44 payment for Netprotect or something. I'd never heard or used this service, but they said that it was taken out when I set up the phone/broadband. My wife explained to them that surely if we have cancelled the phone and internet in June last year, how could we use the Netprotect? They say that it can be used on any PC anywhere. My wife also asked why they didn't mention it when we cancelled last year, but BT said that they were not obliged to and assumed that we wanted to keep it. My clever wife also asked for (and received) a copy of the transcript of her conversation. So, where do we stand, do we just pay it to avoid damaging my perfect credit rating? Many thanks in advance.

Last year, having endured poor signal for some time and then receiving a clearly misleading marketing email in September 2014 that Vodafone subsequently refused to honour, I registered my intention to cancel my Vodafone contract. It was due to expire on January 25. Having subsequently received a call from the retentions team later in September, I agreed to a new contract on provision that I received an early upgrade of my handset and a reduced tariff. And so all was well again with better signal, and an early upgrade. However, on Sunday January 25 2015 at noon, my phone ceased to receive any mobile signal. Believing this to be an issue with my bill (I don't owe anything apart from my current bill, which isn't yet due to be paid) I tried to log into my account online to be told that my mobile number was no longer registered. I can only assume that the initial request I made in September 2014 to cancel my contract has been actioned despite my subsequent agreement to remain with Vodafone and renew my contract. This is not the first time this has happened, and the exact same scenario presented itself on my last upgrade also, and I was without phone service for more than one week. Normal customer service channels have been a joke, and they either don't understand or choose not to understand and are accusing me of cancelling and being in breach of my contract, which in utter muck, and trying to charge me the cost of the handset. I've since made an email complaint to the CEO office, and have a reference number. However, they insist on trying to call me on my wife's phone (which is also with Vodafone and is/was linked to my account) which I can't access as she works away. I've tried calling the direct line number they left me to call back, but I'm not sitting in another 30+ minute queue any longer, as I've tried three times already and I'm not getting anywhere. An email response to the original complaint will just trigger another reference number so little point in doing that. An absolute shambles of a company, and I'm regretting sticking around for another two years. The ombudsman beckons!

Hello I was made Bankrupt by HMCR in Oct 2013 while I was in the process of trying to agree a IVA, on visiting the Insolvency service I was advised as I was trying to agree a IVA, I would not have to resign my company directorships unless this was unsuccessful and my Bankruptcy was not annulled. In December 2013 my IVA was agreed and following this my Bankruptcy was annulled. It has now come to my attention that the other director has informed Companies House that I was bankrupt and resigned my directorship. I am asking was the Insolvency Services advise correct and could the director do this without my consent and is it possible to get this reversed ?

Hi All Was wondering if you could shed some light on this for a friend of mine please. He had a accident and sickness policy cancelled by his insurer as they claim he did not inform them about the date he started back to work hence they stated that they had over paid him. He disputed this as originally he was told by one of their advisor's that if he went back to work on a phased return the claim would continue so long as he did below 16 hours per week which he did for a month, they stated he should still have informed them that he had gone back to work even if it was on a phase return, he explained that this was not done intentionally as he had nothing to gain by not informing them and it was just misjudgement on his behalf as did not think he needed to inform them based on what their advisor had previously told him and he only claimed for the month in which he was on phase return for under 16 hours and proved such. They then sent him a letter stating that his policy had been cancelled but nothing about owing any money, he decided to raise a complaint as he did not like the tone of their letter and what they were insinuating, it was as though it was the crime of the century or something and he said If needed he would take this up with the FOS. Next thing he know's he gets a letter from their complaint department stating that they have upheld their decision to cancel his policy and would be also asking for recourse for overpayment and would be in touch in due course ( he thought Funny how they did not mention anything about recourse for overpayment in their cancellation letter, but as soon as he raise a complaint and mentioned about going to the FOS) We are talking about a couple hundred quid here at the most which he said to the insurer just send him the bill and he will gladly pay it then he can take his case to the FOS, 5 months passed no bill arrived he rang the same person from complaints to ask in light of his letter why had he not received a bill, the advisor stuttered and said "oh its quite a long time ago and he would get in touch with the underwriter and would ring him back ASAP, couple of days went by no answer he rang back, the advisor he spoke to was apparently on leave, he was not happy about this as the clock was ticking for the 6 month period for him to complain to the FOS so after a-lot of he wont get off the phone until he speak's to a manager he finally got to speak to one. He explained the situation and low and behold he then gets a email from the manager the day after stating that they are not taking the matter any further?????? My personal opinion is that they just wanted shut of him because he had been diagnosed as having degenerative disc disease and they have tried their best to get off paying him in the first place as they know from his consultants report that it is only going to get worse to me this was a perfect opportunity to get rid so to speak, also I reckon they were waiting until the 6 month period had elapsed before they sent him a bill so he could not then complain to the ombudsman. What he would also like to know is does he now have to disclose this to other insurance companies now like Car Insurance or home insurance etc. Tinks

Hi just want some advice here, there's probably not a lot I can do and I think I'm probably a bit 'bang to rights' but do want an opinion or two if anyone can offer anything of the sort. I live in a household with a lot of cars, and even though swinton wasn't the cheapest we went with them as we didn't want all the cars insured by different companies. Anyway everythings gone fine for about 6 months and everythings been paid on time. Today I've got a bunch of letters (one for each policy) informing me that the policies have been cancelled, I am not sure why this is - my sister who is also affected rang them up and they say they can't help at this time (I'll get clarification on this if I can), but it's probably because of a missing utility bill we were supposed to send? Now it's not been requested of me, like my proof of no claims bonus was, so this is news to me. What's bothering me the most, is that each policy has been cancelled for each car - and all the letters were received today together yet are printed on different dates, giving 7 days notice. Now some letters were printed a couple of days ago, but the letter for the cancellation of my car was printed on the 5th of this month, and delivered alongside a letter printed on the 18th for another policy. Which means (and i've just checked askmid to confirm, in the last week i've driven across the country a couple of times completely uninsured and completely unaware, and i'm sure i'll have come across a tax checking camera in all that mileage. Losing the insurance policy is one thing, I'm not thrilled about this. I don't evade having insurance, however in court ignorance would not stand up. I know it's christmas and post can be late (actually it's not as I've just received a bunch of parcels I ordered day before yesterday using standard shipping rates). I suppose I'm asking if i've grounds for complaint. I've still yet to figure out why the policy has been cancelled, but I'm not happy about the me driving for over a week uninsured part. The car is now off the public road.

I am currently on ESA after getting through the dreaded Atos inquisition last year. I received a letter from Atos asking me to attend an appointment for anther assessment at the begining of december. I telephoned them and asked for arrangements for the interview to be recorded. They then cancelled my appointment for which a week later i received my new appointment date. That is just before christmas. I have just received another letter from Atos. This time telling me they have now cancelled that appointment which was to be recorded and no reference is made for another appointment in the letter intrigued??.

evening I have insurance with Swintons I missed my payment, in a sense, it was due to go out on the Monday but they tried to take it on the Friday before, it didn't clear as I hadn't put the funds in due to the fact I expected it to go out on the actual date which was the Monday. As a result I received bank charges which put me overdrawn, meaning I received a further bank charge which in line made my payment bounce again at the 2nd attempt. Now I have a letter saying the cancellation has began and cannot be stopped and I have a £50 fee on top of my outstanding balance with them. Anything I can do or do I just have to suck it up? Cheers

I took out car insurance on the 7th January, choosing to pay monthly. The policy was approximately £600 a year, and payments were for £50 a month. I sent my proof of no claims off as requested to the local office and heard no more. The next payment came out of the account on the 23rd January for another £50 as expected. Then on the 5th February we get a letter saying the insurance has been cancelled due to not receiving the no claims proof and we owe a further £75 (apparenty £50 of this was for a cancellation fee they imposed) We did call the local office and spoke to an unhelpful lady, who couldn't pass us on to the manager as he was unavailable, but said he would call back the next day. A total £175 for less than a months insurance seems like a rip off to me. I don't want to pay the extra cancellation fee and don't see why I should, especially as they happily took the second payment at the end of January. The lady couldn't explain why we owed this much and said she wasn't prepared to speak to us any longer and hang up. My wife wasn't rude on the phone or shouting, but simply asked for an explanation as to why the policy was cancelled without warning and why so much was still owed when we had the policy cancelled on us within a month of it being taken out? Any suggestions where we go from here - straight to the fso?

Just over a month ago I agreed a settlement amount for my NatWest Credit Card with Moorcroft. It was for 65% (£4054 on a £6237 balance). I got them to send an offer letter, made the payment and got a payment receipt. The other day I receive a call from them saying that they were not authorised to make the offer for that amount and that NatWest have rejected it. They were apparently only allowed to offer 80%. They were pressuring me to take my money back and make new arrangements or pay an extra £900. I said I didn’t want to agree to anything until I have taken advice. They refunded the £4054 payment back into my account anyway. Before the money was even back in my account, they started calling and emailing to get me to set up a new arrangement. Again I told them I am not doing anything until I have taken advice. They insist that 80% is all they can do and that they cannot put any lower offers back to NatWest. I find this incredible - I have settled 5 other accounts and they were all far more generous than this - ranging from 50 - 70%. I also find it incredibly galling that I should have to pay such a large amount extra after already believing the account was settled. The debt is over 7 years old and has fallen off my credit report. I have been making regular payments over the 7 years through a Debt Management company. I’m assuming they can legally cancel the settlement by refunding the money despite me having letters from them saying the account has been settled? Anyone have thoughts or advice on what to do next? I’m thinking of doing a CCA letter.

I placed an order on the 28th of October with Amazon for £289.99. I was trying to get an understanding of when the payment authority would be removed because it just happened to go out on rent day! I have contacted Amazon and Halifax and both have been useless. Wont do anything until it's due to fall off. It would help if I knew if it was going say tonight overnight or next Thursday as I have to push to find more money if they are going to take longer. Have called Halifax twice (cost £5) emailed Amazon twice. What is the standard

Hi, Google has bought me to this place, where i feel slight comfort as other people have been in the same boat as me. I was once a happy vodafone customer, happily utilising a contract for 25 months or so. However, the aftermath has been a life changing nightmare. I have quoted below a letter, which i also showed the chat staff, however they were far from understanding. I tried my luck with vodafone live chat, but have only been left further stressed due to the un-cooperative staff. They are persistant that they didnt recieve a cancellation letter and are asking for proof of postage. However, their is no proof as it was sent via a stamped envelope in a letter box. Could anybody please shine some light to this matter? What would be the best coarse of action? I hope Lee from vodafone stumbles upon this.. Thank you

I had a 3 dongle for years and was paying for it without using it for a while. One day I went on my digital banking and cancelled the Direct Debit. I didn't think anything of it but I've now been passed onto a Debt Collection Agency. I've read all sorts of stuff about court action and poor credit rating now. I now realise that I probably breached the contract. I'd happily pay the final month if that is what they are pursuing. What is the likely outcome if these situations? Do the Debt Collectors add on all sorts of charges?

Hi all, I hope someone out there can help me as I am very very confused! Briefly, A representation about a PCN was made to Stratford Council on the 23rd of December 2013 and no response was received. I was unaware of the severity of the situation until on the 1st of August 2014 I received correspondence dated 21st of July 2014, from Equita which I subsequently opened regarding the PCN due to Stratford Council, stating that enforcement action would be taken unless the amount of £157 was paid. I immediately telephoned Equita and explained that this correspondence was my first sight of the outstanding PCN from Equita. I notified the gentleman that the vehicle in question is a company vehicle and is currently on a finance agreement and therefore cannot be levied upon and that a representation to Stratford Council had already been made. I then returned home at 3.00pm on Wednesday 6th August 2014 and noticed a white van parked at the rear of the Mews where I live. I parked directly next to the vehicle and noticed a gentleman inside the vehicle. I unloaded the contents of my car, entered the house and approximately 5 minutes later, walked round to the front of the Mews to collect my black bin, noticing the white van was no longer parked in the Mews. I then left my property shortly after this to walk my dog and noticed the white van was now parked at the front of the Mews with the gentleman seated inside. Upon returning to my property some 45 minutes later, I found a handwritten note from Equita with no envelope, had been pushed through the door stating Baliff, Mr S Parker had called to execute a Distress Warrant, giving me 24 hours to contact him to avoid further action. Also pushed through the door was a note stating my vehicle had been clamped because I had not paid the sum of £392. I must stress that at no time have I received a breakdown of the charges due to Equita other than the letter dated 21st of July 2014 received on the 1st of August 2014 with the amount of £157. I then telephoned Equita, having been unable to reach Mr Parker. Equita refused to discuss the matter with me despite the fact that I had stressed the Distress Warrant had been delivered at the same time as the clamping had taken place and no chance to pay the debt or discuss this had been given. I also explained that at no time did Mr Parker attempt to talk to me in person while I was unloading my car and had indeed waited until I had left the vicinity to return and clamp my car. My neighbour witnessed the white van pulling into the back of the Mews after I had left the vicinity and is willing to provide a written witness statement to support this. I also stated that in addition the vehicle has a significantly higher value than the original debt and stressed to Equita that as a single parent living in a rural location, there is no public transport and I needed to collect my daughter from a holiday club. I also explained that the vehicle is absolutely essential for my work since there is no alternative public transport I could use instead and that the car is not owned by me since it is subject to a finance agreement taken out with BMW Finance. Again they refused to discuss the matter or provide me with a breakdown of the charges. Mr Parker them returned to my house and caused considerable embarrassment to me by literally hammering on my front door and shouting through the letterbox. He had also parked his white van directly in front of the entrance to the Mews so my neighbours were unable to enter or exit. I had absolutely no choice other than to pay him the £392 he was demanding (via my debit card to his offices so I had a record of the transaction) and he removed the clamp. I then filed an out of time TE7and TE9 and have just heard back from the TEC that the order for recovery of the unpaid penalty charge has been revoked and the charge certificate has been cancelled. Speaking to the council, they have said I have no rights to ask Equita for a refund of their baliff fees of £310 - is that right? Does a cancellation of the charge and the recovery not also revoke the baliff action and subsequent fees?

Hi, Please can someone help I'm worried that my bank account will go way overdrawn tomorrow and leave me in an even worse mess than I already am. I am setting up a debt management plan at the moment and as everyone knows, it takes a bit of time. Before going into this, I emailed all my creditors and cancelled the CPA that was set up and I also wrote to my bank to cancel. Nobody has taken any money since and so I am guessing this was actioned properly. Myjar, emailed me on that day to confirm the CPA had been cancelled and when I log into my Myjar account, it says card details as **** **** **** no numbers at all. If anyone reading this has a Myjar account please can you log on and see if this is what it says on your "my details" page or whether it does show a few numbers? I'm just trying to work out if they have actually deleted the card details and that this is just a threat. I thought that if they had confirmed that they had cancelled the CPA, then they could not take any payment from that card as it was then illegal? Am I right? I feel quite sick at the thought of my bank being overdrawn tomorrow morning by over £200 so any help would be great. It does say on the text to ring them if I can't pay but I don't want to be ringing anyone, I'm trying to sort all this out the correct way and they're just being impatient.