My credit score is clear of any defaults so far.

Thanks for the speedy reply and advice, i will start as you suggested, thank you.

Hi, In Dec 2013 i took out a two year mobile phone contract with Vodaphone. In Dec 2015 the contract was up and i called Vodaphone to end the contract and get a code from them so i could transfer the mobile number to a Virgin Mobile handset. This all went well until i got a letter saying i was being charged £171 for early cancellation of my contract? I installed a call recording app on my mobile and then I called Vodaphone on December 17th 2015 The lady i spoke with found that someone had written a date on my contract in the U.S. style (switching the month and day from how we write it in the UK. aparrently my contract was due to end on the 19th month lol She agree'd it was a mistake, apologised and said they would fix it. I never heard from Vodaphone again. Today, fifteen months later i got a letter from Vodafone telling me that i owed £158.60 for "outstanding call charges/line rental" and that my "debt" has been assigned to Lowell Portfolio LTD. This may be my forst post here but i have read the forums plenty so i was very suspicious and decided not to contact Lowell Financial (who aparently are the debt collectors for my alleged debt) but to instead call Vodafone (and record them of course) I ended up speaking to a nervous sounding indian chap who i can only guess was on his forst day of work, he told me there had been a charge added to my account AFTER i cancelled it??? I did lead him to confirm that it was Vodafones mistake too which he agreed and said they where having problems... So, i have the recorded conversation from dec 2015 and today which both confirm my account ended in good standing but i somehow have these financial leeches latched onto me also? Do i contact them or ignor them? also, if i do contact Lowells do i tip my hand about the recorded vodafone calls and that i am also recording them? Thanks for any advice