Hi all, I signed up with BT Broadband, phone and tele however I've since been offered a deal with Virgin that I think is better. My Bt was due to start on Monday however I didn't get the packages that day as I wasn't in. They are still at the post office. However i phoned them today to cancel and they say as I'm out of the 14 day peace of mind period (which is shorter than the time it took for equipment to arrive) I can only cancel if i give them just short of seven hundred quid. To confirm, I have never activated any service and even if i had then it would only be three days I'd been using it that i could make a decision on. Is there anything i can do or am i stuck with it until next year now?

they were claiming that they couldn't even see the account, let alone deal with it. It was a phone call i didn't need.

I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.

I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.

I recently got into debt with Sainsbury's Credit Card. The debt was for £1280. I also had another credit card i needed to pay off, anyway, when i was transferring the money, I got the amount mixed up and ended up paying £2240 into my sainsbury's account via BACs. I have spoken to Sainsbury's and they have now told me that the debt was moved to Westcot, who i phoned, however they said the debt hasn't come across and I need to speak to Sainsbury's recovery team, which i did after I could see the wrong amount on my online Sainsbury's account 24 hours after the payment. They said they couldn't see the payment. Now the regular Customer service have refused to speak with me as the account has been passed over - although i have no idea who too. Is there any suggestions people can give? I was of the understanding that regardless of it being passed over to a debt collector that I didn't need to engage with anyone other than the company the agreement was made with? I'm just wondering what the best course of action (writing a letter I assume) is to close the account and get the amount that i's now in credit refunded to me. Any help appreciated.

Hi all, Well, I've had the deadlock letter. It's littered with errors, they seem to have included a little more information. Mentioning numbers that I've never owned. Still not information on what the charges are for, in one sentence claiming it was a 24 month in another a 12. It just seems all messy, they're claiming I've had texts and letters, but I haven't and they haven't provided them in the SAR. In fact all they've provided in the SAR is them saying they've done that. Is this right? It's still inconsistent with my credit report which says the debt was defaults in Nov 11 and settled in march of this year, which is when I got a letter from Lowell's telling me they'd bought it. As you can see in this letter they are claiming they've sold it in 2011. There has been at least one other debt collectors that have contacted me, possibly too, but I remember frederickson's being around. What do we think, chaps.?

Hi, Thanks for the response. I'm not sure what a dead lock letter is? I'm going to get something together this weekend and post it here before posting if that's ok with you guys? Thanks

I've finally had a reply from Tesco. I'm fairly sure whoever is dealing with it doesn't really get it. The phone was bought in store not online and the dates they are saying things were totally sold are not correct. When fredericksons first contacted me the account had not been sold they were acting on behalf of. Any thoughts guys? I really appreciate your help.

Ok, I'll do thank. Thanks for your help, it's much appreciated. is it worth replying to Lowells reminding them that I've not asked them for anything and that it's still in dispute? (it's clear Tesco are communicating with them)

Thats well passed. Or do they have another 40 days to respond to my reply saying they hadn't sent everything they should have? I only got a contact sheet from customer service nothing else.

That's what I'm trying to do but all they sent was a contact sheet from their customer service. I've written to them pointing out they've not provided me with everything but heard nothing in two weeks?

Yeah, there's a £400 balance. Which was the data that I wasn't happy with and never heard anything from them after I complained, to be told they would be contacting me. I'm not sure what the point of sending an SAR was now?

Hi, Thanks for the reply. Do they not need to send me all the information they have then? I'm confused how they can effect my credit rating if they don't have a credit agreement? Sorry for the questions I'm getting confused with it all? I sent them the SAR and they haven't done that? Should I not pursue that?

Hi All, I got a letter from Lowell's last week saying that they couldn't provide me with the information i asked for (I didn't ask them for any, just sent a letter telling them it was in dispute) So I ignored. Got another one today wanting to re-start the process of them asking for money. No reply from Tesco. Not sure what to do here ? Getting the default removed is the aim.

Tell me about it. It's all just been a huge waste of time. It seems they still don't have the credit agreement, which they need to pass on anything to anyone. Hopfully they also need it to have defaulted me?