Hello everyone, I was really hoping someone could help me!
I had a contract phone with Orange for 18 months, I let the contract run over stupidly thinking it just cancels itself out after the initial contract runs out. Silly me didn't know at the time it just renews itself. So, for several months I did nothing about it and then finally cancelled it by writing them a letter asking to finally stop the contract.
They did, thankfully, after four months of letters. I received one final bill from them in the amount of £64.58. One half of that was for one months contract, and the other half was the cost of cancelling a contract without supposedly giving a 30-day warning.
At the time, I really didn't have £64.58 to spare, so I wrote them a letter, asking if I could pay £5.00 a month and I thought they would agree, instead, the amount/debt (not sure how it works,) was bought by Moorcroft Debt Recovery Limited, based in Stockport.
I disputed the amount, saying I wished to deal with Orange but I finally gave in and agreed to pay them the £5.00 a month instead.
It was agreed that I would set up a direct debit/standing order for £5.00 to be sent on the 6th of every month. The first payment was in May, and I received a letter stating that I'd failed to pay, I got in contact with them, sending a screenshot of my online bank statement to say that I hadn't missed any payments and they were wrong. I was told to ignore that letter and that they had received the payment.
A month passes, the 6th July comes and goes, the £5.00 leaves my account, and I pray that's the last I'll hear of Moorcroft until the amount is paid. Oh boy, was I wrong!
I received an email on the 10/06/11 stating I was late on my payment. I immediately sent them an email with a new screenshot of my bank statement to show the amount leaving. I hear nothing for a few days, and then on the 13/06/11, I received a letter saying I had failed to make a payment and I was now in arrears for £5.00. I, again, immediately sent them an email with another screenshot to say otherwise. I told them the agreed amount had left my account just like the month before and that I couldn't be in arrears for something that I had paid. I know the first payment reached them when it needed to, so the second payment couldn't be any different.
I waited for nearly two weeks to hear something, yesterday, 30/06/11, I received a letter threatening legal proceedings and told that a Home Collections Division Officer would be coming to my house to discuss why I'm not paying what I agreed upon.
I was wondering if someone can tell me if this is normal for them? I'm getting incredibly frustrated that firstly, none of my emails or letters are even acknowledged, and I'm getting really upset at being accused of not paying something when I have and then furthermore being threatened that my case will be passed on.
Can anybody help me? I wish Orange had just kept me on with them so I could pay them, I don't know why they had to pass me on to a debt collection agency because I wrote to them and agreed to pay them off monthly. :/
If anyone has any advice or a similar stories, I'd greatly appreciate it!