thanx wildcard, i'll give it ago. i may have missread it somewhere but who is charles dunstone, i hope if i bandy his name about a bit a few ears may prick up without me having to contact him, but need to know who it is i'm talking about many thanx again and i'll keep you updated

hi all. i've got a 18 month contract on orange through carphone waehouse. I took out lifeline insurance at the same time which allows me to cancel contract after seven months, i'm 1 yr in. tried to cancel today but was told that they'd only recieved the first payment of 40 pounds and when they tried to take the next payment they were informed by my bank that i'd stoped the direct debit. Spoke to the bank and they've got no record of it being canceled ( which i knew i hadn't done). Just wondered where i stood on this as it's going to cost me best part of 250pounds to get out of the contract now which i feel is unfair as it was one of there faults, evan though (unknown to me) the money has not been coming out. i told lifeline i'd be happy to bring the payments up to date. Am i in the wrong for not noticing the payments had stopped even though i recieved no letter about it. p.s. they weren't stopped through lack of funds. lifeline are saying i told bank to stop payments, bank are saying i didn't Thanks

thanx curlyben. i've gone from being s**t scared to being quite optimistic. may even be fun lol

thanx 4 the link rory

they've just phoned me. i told them 'on advice, all correspondence will have to be made in writing'. nosey git wanted to know on who's advice then he said he wanted to help me by asking a few questions but i stopped him dead and said sorry it'll have to be in writing, hope i did right lol. spooky, it's like they're reading this and worrying

thanx bookworm. i will go take a look. they say i made a payment in 2004 but i don't think i did. i've asked them to prove it but i've been told they can't prove it to me but can prove it in court if need be. i'll only be dealing with them through letters now, thanx for the advice, wish i'd known about this site a few months ago:)

hi all. I've been in discussion for a while now with Lowell financial about an account i think is statutory barred that they say isn't. I've just got off the phone to them and they now agree the account is stat barred but have said i will still carry on receiving letters and may be taken to court. they also told my dad on the phone on the 23rd of may that the bailiffs were on the way round and would be there within 2 hrs if i didn't contact them, which i did. i have since been in contact with them many times trying to find out why they told him this but no one seems to want to discuss it. i spoke to a bloke from Lowell about 3 weeks ago who said that conversation would be on record (i think he thought i was bluffing) but today the bloke i spoke to said it prob won't be anymore. i recorded both these conversations myself with there knowledge. I'm not sure where i stand and could do with some advise on both these matters from some of you nice people. many thanx, dayno