Hi I will check on report and see I can't remember if it was vodafone or cj garland. The reason it was being disputed was for all the years I had the account oi paid monthly direct debit I had a very large bill come through of nearly £300 I called to ask if I could pay in instalmebts as at the tome I didn have that amount of money to pay it. They told me I would need to cancel direct debit and then call back once it went into arrears as they were unable to enter any payments at this time as not in arrears!! Anyeay I did this and again got fobbed off cut long story short this went on for ages couldn seem to arange payments people kept sayin they would call me back and didn't. It then got cut off so I wasn able tpo communicate as at the time had recently moved and didn have the land line connected. I then got sent the final bill of about 700 pounds as they kindly disconnected me, had changed my tariff and held me to 18 months of rental!!!! Ouch!! Disputed and disputed and vodfone were not prepared to budge even though oi had paid direct debit ontime for years!! So they kindly sent to debt collection agency where I had no choice to pay it!!!

thanks guys. have now logged on vodafone as requested and will await response and ref no. ! thanks

hi don't know if anyone out there can help. i see from your site that cj garland have done into administration.... thats why they haven't been contactable and i have searched internet and only your site mentions it.!! anyway i had an agreement with them thanks to the lovely vodafone.... long story but basically i was disputing bill they would not listen to amend it this went on for months and then they kindly sent to dca. anyway i had no choice but to make payments as didn't want a ccj. i was making monthly payments then suddenly cj garland took over. they then had no record of my payments so i made no more until the problem was sorted.!! no i had only one payment left to make and find they too have gone bust..!! aarrghh on my credit score it shows as about £400 outstanding when it is in fact £127. any ideas what is going to happen?? obviously no point in contacting vodafone they wont have a clue and are absolutely useless. does this stay on my record as £400 outstanding or who can i pay the last £127 to clear it?? or shall i do as i am at the moment and ignoring it.. .had no contact from anybody to tell me what has happened i only know as i pay on line and the website became non existant..!!!! i want this debt off my credit score..!! argh..!!

Hi hows it going ! I received my letter yesterday from Norwich And Peterborough I am after £850 they agreed to give me £29.50 !!!! am now sending them the LBA letter !! let me know how it goes.