New to this BankFodder... Still learning the dance

Unsure... Sounds bad but I just binned their letter and it was TalkTalk that I was talking to who refused to show my contract, deal with my complaint or call me back I do know from checking experian that their debt collector ran a credit check on me! Couldn't believe it. What should I do as there is no way I owe a £300 cancellation fee for a debt I don't owe. Especially when I signed a contract with another company 4 years ago.

Hi there, Looking for some help if possible I was a Virgin National Broadband customer and some time ago they wrote to me to advise that TalkTalk had bought out my contract. I was with Virgin for about 2 years and TalkTalk a year after that. I had never signed a contract with them and effectively out-of-contract with both companies. As I was fed up of the lack of customer service from TalkTalk I cancelled my contract and advised them. I received a letter from a debt collector on their behalf asking for £300+. I was blown away. I phoned TalkTalk who advised it was a cancellation charge and there's nothing they can do. I asked for a copy of my contract to which they refused. I asked for a call back from a manager which never happened and they have advised they have no complaints procedure to resolve any problems and my only option was to pay £300!!! Can anyone help as surely I would be out of contract in spite of having never signed one with TalkTalk in the first place

**Update** Sent me a letter in response saying I owe £87 etc... please find attached evidence The "Evidence" they sent quite clearly states that I don't owe anything. *Sigh* Lordy

***More help needed*** I sent them a letter saying I do not acknowledge this debt and until they can prove the debt is mine - not to contact me etc.... I'm still getting phone calls, emails and solicitors letters.... what now??? This is what I sent which was signed for recorded delivery: IQOR Recovery Services Ltd. IQOR House, 33/34 Winckley Square, Preston, PR1 3EL Dear Sir Account Number: XXXXXXXXXX You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves. We would point out that we have no knowledge of any such debt being owed to (Ebay) We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question. We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. We look forward to your reply. Yours faithfully

It annoys me that this fastly becoming accepted culture to employ harassment and bully tactics. That CCJ's and the rest are an easier option for companies than investing in training whilst employing people with a little gumption and some common sense. Thanks again guys, really mean it! Do you think I send them one of those CCA letters?

Just covering my bases, Shocking is all I can say... Is there anything else I should be doing aside from a Raoul Moat?

Long story short... I tried to sell an Iphone on Ebay about 2 months back. I put a "buy it now" on to which someone kept clicking it then disabling their account. This kept racking up fees and each time it happened I spoke to Ebay through live chat, explained this to them to which they advised me through a few steps and said the fees were no longer payable. Because it happened over and over I got frustrated and took screenshots of a couple of the conversations. Rec'd a letter today from IQOR saying I have 72hrs to get intouch otherwise it's court and the rest of it... Tried to get in touch with Ebay but they've suspended my account. You can't get in touch with anyone living for love nor money. Everything is just a series of check boxes telling me I'm a criminal. I sent the following Email to them: Dear Ebay: I have been sent an email and a letter from a debt collection agency advising I owe £87.39 on my account username [email protected] I DO NOT ACKNOWLEDGE THAT DEBT I previously tried to sell an Iphone. Each advert had a "buy it now" button. Every time i advertised the phone someone would press the button then disable/cancel their account. Each time this happened I advised ebay through live chat. They advised me that the fees were Null and Void and weren't payable by myself as no-one had bought the phone! The debt collection agency have given me 72hrs to respond to their letter. Otherwise, they're threatening court action. Alas, I HAVE SCREEN SHOTS OF MY CONVERSATIONS ON LIVE CHAT WITH EBAY THAT STATE THESE FEES ARE NOT PAYABLE AND ACKNOWLEDGING MY COMPLAINTS. Should I not get a reply today, I shall present these as evidence to the debt collection agency (IQOR) and in any small claims court I'm meant to appear and all costs will be paid by EBAY. This is adversely affecting my credit rating This is causing me unnecessary stress I am being harassed by this company IQOR I do not acknowledge this debt! As yet no response!!! Phoned IQOR and got a rude teenager. Who quickly walked through the data protection etc... Explained everything and said: ME: I do not acknowledge this debt. IQOR: You're refusing to pay! ME: Yes, cause it's not my debt IQOR: I'll note the system ME: Note it exactly as I say it - "I do not acknowledge this debt!" IQOR: You still owe us ME: No I don't, give me your email or an email so I can send exactly what I sent Ebay. IQOR: We're a call centre, we don't accept emails... you can't email us ME: Be Quiet, course you do, how is anyone meant to dispute their debts? IQOR:In writing sir!!! ME: Before the 72 hrs noted on the letter dated last week!!!!!!!! IQOR: I've noted the system that you're refusing to pay. ME These calls best be recorded!! Bye! What an absolute joke... any help out there from any good Samaritans??? :-|

God bless you beautiful people... I really do thank you guys. I've followed your advice and have just recieved this in response to my email... seems fairly generic which I can only deduct they get a lot of these!!!

Arrived home today to find a letter from the above company claiming that I owe £457.49 and that the debt was bought from Vodafone. Airtime debt - £266.98 Early Termination fee - £190.51 I had a phone about 4 years ago with Vodafone (that I cancelled 4 years ago) but since then I have heard nothing at all from them. This has come as a total surprise. I phoned Lowell up and stated I knew nothing about this and in the process handed my phone number to them. I was threatened over the phone stating that not paying is affecting my credit rating! I'm scared I'm going to be harrassed about this through an endless tirade of phone calls and then this is going to affect my credit rating... I told them I'm not paying a debt that comes as a complete surprise after 4 years. What should I do as I literally have no idea about this, I have no idea who they are and as far as I knew the contract was cancelled with no hiccups. I'm after any advice