The £96 is what I actually owe O2 for outstanding phone bills. The £400+ debt is to cover the remainder of the 18 month contract I have defaulted on. They weren't saying that they wanted a percentage of the debt, they were saying if I payed them the £96 I owed, they would instruct O2 to continue where I left off with the contract, reconnect my phone, and continue to accept the £35 per month until the contract ended - effectively acting as if nothing had happened. Instead, because I can't afford to pay the £96 and clear the arrears, they are demanding the full amount for the duration of the contract.

Thanks kurvaface. I've knocked up a letter to send them regarding the doorstep visit which I will be posting today. I just hope one of them doesn't turn up in the meantime.

Hi kurvaface. The account they are after is my O2 phone bill. I was made redundant from my job and have been unable to keep up the monthly payment. I tried resolving this with O2, but they ended up passing my account on to Credit Solutions, who sent me a letter offering to wipe the £400+ debt and reconnect my phone in exchange for a payment of £96 which would clear the arrears. The problem is that I didn't have £96 for a one-off payment. I tried to explain this to them, but heard nothing off them until now, where I have recieved this letter from P2C asking for me to contact them to prevent a visit. The thing I am most worried about is that my friend has been very good about letting me stay here while I'm unemployed and unable to contribute much, but I think having people knocking on the door looking for me and demanding money/goods might be pushing it. I know my rights (generally) regarding doorstep visits, and I know how to deal with them if I'm in. I just don't want them visiting while I'm out, and giving either my friend, or (god forbid) his girlfriend any hassle.

I recieved a letter from Power2Contact today (dated 3 days ago), stating that I would be getting a visit from them regarding an outstanding debt unless I contact them to resolve the issue within 72 hours of receipt of the letter (how do they know when I received it?). The thing is, this is not my house, I am lodging at a friends house, and I'd rather not have this kind of trouble brought to his door. Would it be advisable for me to ring them and basically quote the terms of the letter posted above, and inform them that I'll be confirming this in writing shortly?

Am new to the forum, so first of all; hello everyone. Right, on to the point. Back in October 2008, I bought an 18 month O2 moblie phone contract via my local Phones4U shop. The contract was for £35 per month, and included 600 minutes of free call time per month, and UNLIMITED texts every month. This is what the contract that I signed states. However, after setting up my user account on O2's website recently, I viewed my call package, and it states that whilst I am on 600 minutes per month, I only have a monthly free text allocation of 500, as opposed to the unlimited texts my contract dictates. I know this is a small discrepancy, but I was wondering if it was enough grounds to qualify as a mis-sold contract, and is it possible for me to use this to get out of the contract? Thanks.