I had a contract with Carphone warehouse for a mobile phone taken out in Oct 07. I fell behind with my payments and this resulted in them cancelling my contract however this was after my 18 month had expired. I was paying the outstanding amount that i owed about £160 to Credit Solutions for the period that i could not pay towards the end of the contract. Then i received a letter from Credit Solutions that added another £260 for what was described as a deconnection fee. Could you please advise me as to what rights i have to dispute the disconnection fee and what letters should be written to both companies to stop this escalating into a Court case. Please help i am desperate Thanks Carl

I have received a letter from Tiscali stating that i owe them £419.72 and they are going to re-apply for the outstanding balance around the 23-12. I have not had Tiscali as my provider since Nov 2006 when i requested via letter to cancel the provision. I could not have received the product if i had wanted to anyway as i withdrew my landline. I had only had the service for 12 months (started Oct 05) when i cancelled so i cannot see how they can even imagine the amount owed. Could anyone please advise me as to how to respond as i no longer have a copy of the cancellation letter. Any help will be greatly appreciated Regards Jackal 37

I post a thread earlier regards my supposed debt to Littlewoods which Lowell are trying to collect I wrote a letter stating that i considered it harassment and they are not allowed to chase disputed debt However they have now passed it on to Hamptons Legal - could someone please give me some advice as to what to do next. Regards Carl

I have a query as to whether a council tax summons and liability order can be placed on an account with the wrong values I had an order issued for £142 when in fact the amount outstanding was only £62. As you will see below a payment was made in March 08 which my council has in fact allocated to the 08/09 account. When i wrote to the council asking for clarification of what i had paid i received this back see below. I admit i didn't respond to a couple of reminders they sent. ********* Thank you for contacting my Recovery Section, regarding payment of your Council Tax account. The details of your accounts are as follows:- 2007/08 Account Date Document issued Payment Balance 30/10/07 Revised Bill issued £385.00 16/11/07 £77.00 £308.00 17/12/07 £77.00 £231.00 11/1/08 Reminder £231.00 19/2/08 Final Notice £231.00 21/2/08 £81.00 £150.00 22/4/08 £8.00 £142.00 29/4/08 Summons (£30.00 costs) £172.00 20/5/08 £90.00 £82.00 20/05/08 £72.00 £10.00 21/05/08 Liability Order (£10.00 costs) £20.00 The Reminder was issued requesting payment of £77.00, to bring your instalments up to date. This Reminder stated that if payment was not made a Notice would be issued requesting payment in full for the balance of £231.00. The Notice of Intended Legal Proceedings was issued, requesting payment in full for the balance of £231.00. This Notice advised that if payment was not made in full a Summons would be issued. The Summons was issued requesting payment for the outstanding balance of £172.00. This balance included costs of £30.00, which were incurred upon issue of the Summons. A Liability Order was then obtained at Court, incurring a further £10.00 costs. 2008/09 Account Date Document Payment Balance 5/3/08 Standard Bill £801.42 19/3/08 £80.00 £721.42 15/5/08 Reminder £721.42 The total outstanding balance of both your 2007/08 and 2008/09 accounts is now £741.42. Any help is very much appreciated Carl

Thanks for the help - it is much appreciated and will be writing the letter today. Cheers Carl

In the last few months Lowell have been chasing a debt for a Littlewoods card that i previously had. I believed that i paid off the debt via Sanclare Financial. However as i have moved house a least twice since, i have lost any record of paying off the debt. I have tried to contact littlewoods to see if they have any address of Sanclare to help me prove that i paid this off. I have no address for Sanclare. Can anyone advise me of what to do, as i don't want to pay it off twice or provide a contact address for sanclare. Especially as i am being harrassed by lowell as they contually ring whilst i am at work and are saying that they are at the final stages and will be moving to a court judgement or something. Please any help would be well appreciated Carl