Thread: Direct Legal & Collection - orange network debt.

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Originally Posted by guestguestguest

First of all, apologies if this is in the wrong section, i am new to this site and couldn't find the appropriate place to put this thread!

No problem, the site team to move this thread to the best place

Originally Posted by guestguestguest

Basically, I had a dispute with orange so i cancelled my direct debit with them and dis-continued with their service. This was because they continued charging me for a previous contract since my upgrade, meaning i was being billed for 4 or 5 months for two separate contracts which i shouldn't have (their advisor over the phone advised me she would cancel my old contract which had run out, but she never did).

so, being lazy, i cancelled my direct debit as i was sick of argueing over the phone with them, and ignored their letters since my cancellation.

Write to Orange, inform them you had all these issues and your acount should have been flagged "in dispute" Also in your letter propose a suitable settlement, and request a deadlock letter so you can further your complaint should they not sort it to your satisfaction. I do think you have made a grave error in this course of action because their contracts are generally watertight, and when you sign up with them you agree to them putting your payment history on your credit file. I think you will have a real battle getting this removed!

Originally Posted by guestguestguest

Since then i've had various debt companies trying to obtain money off me (all of different amounts from each company ranging from £150-£462) so i ignored them. but there is one company in particular who as rung me twice and sent me 2 or 3 letters, so i'm starting to worry.

Their latest letter billing me £426 said that as i have failed to respond they are considering (not "will be") . taking further action - either issueing a county court action or having a personal collector visiting my address.

DCA's are 99% hot air. Write to them saying you dispute the debt and it is against the OFT debt collection guidelines for them to try to enforce a debt that is in dispute, also read this. http://www.consumerforums.com/resour...ep-visit-.html

Originally Posted by guestguestguest

Basically, i don't want to pay them. How do i get out of paying?

Would it be better to contact them and request different documentation relating to the supposed debt, (ie proof of the original contract, proof they are working for orange, a Breakdown of how they have calculated their costs etc etc) in the hope that it will be too much hassle for them and they will drop it.. or would it be better to call them and say that my account with orange is being disputed and if they put a charge against my name, threaten to take action against them for affecting my credit histroy due to a dispute rather than a plain debt.

I'm not overally worried because it's only £462 which is a small amount in comparison with some of the debts i have seen on here. But, at the same time, if there is a serious chance of me being issued with notice of litigation to take me to court, or have a debt collector turn up at my mums house, i would prefer to get this sorted.

Thanks

The main problem with requesting original documents is they send out a T&C leaflet when you join, and using the phone is acceptance of these T&C so they can just send you the valid leaflet from this period quite easily.

Try to sort something with Orange, the best result for yourself would be any adverse information on your credit file getting removed. Best of luck.