All - thank you for the good information, I received another reminder from them today which riled me as I was owed a call back. I have decided to try and go for a common sense 50/50 approach by letter as a first stage. Orange2.rtf

Yes - If I did not receive the phone-calls from someone on behalf of Orange leading up to the event where I informed them that the contract would end, I would have not assumed that everything was OK and would have done something. I think maybe the key is finding out who called me as I am sure that their calls are 'recorded for training purposes' You would also think that telco's should write to you to inform you that the contract is going to expire and that you need to confirm yes or no. This is the same with many other services such as domain name and email registration companies. The outstanding balance is £80 and it is a hard choice whether to pay them the money for a quick ending as it is not going to break the bank; or fight on principle. Interesting information from OfCom A1.95 - It would likely be unfair where the supplier had not sent a clear an unambiguous reminder notice at reasonable time before the renewal term is to take effect: http://www.ofcom.org.uk/telecoms/ioi/addcharges.pdf

The minimum term of 18th months expired on my Orange mobile phone contract in March. Since then I have discovered that Orange have continued invoicing me, even though the phone has not been used. Frustratingly, in February I received several calls from "Orange" offering a new contract/upgrades etc. each time I informed them that I wanted the contract to end. Speaking to Orange today, they say that they did not correspond with me in Feb; and that I should contact the carphone warehouse who I took the contract with as it was probably them who contacted me. Carphone warehouse claim not to have contacted me, and as my phone came through their sister company mobiles.co.uk, I should speak to them. Mobiles.co.uk have referred me back to Orange as the contract is with them and they also state they did not contact me. Now either my information was sold to a third party who contacted me in February claiming to be Orange, or one of the parties involved is not telling the truth. The only way I think I can find out is by requesting any information held and recorded calls to be provided to me under the data-protection act - however this is going to be long winded and still cost me money - does anybody else have any other helpful ideas???

Dear Forums users, there seems to be some great advise on here however I cannot find an answer to my question, but apologies in advance if this has already be covered. I have applied to MBNA for an executed copy of my credit agreement and thank fully unlike a number of you they responded fairly promptly to me and have sent it to me now. The confusing thing is that there are no signatures, only tick boxes where the signatures should be - I beleive it was an online application, what happens in this case? Thanks in advance for your help, Graham.