Speak to Wescott and then take it up with your bank. We have had a couple of transactions go out without consent and they are usually pretty good at getting it reversed if Wescott cant prove you gave them your consent. Might take a few weeks though.

I posted to another thread, but wondering if it might be better here. I really need some help with this please, as Im getting conflicting advice and Im getting very anxious about it. (At the end is my original thread with all the information in it.) The Orange contract was cancelled in 2004 and they seem to have reset the debt in 2006 when I contacted them after receiving a debt collectors letter. I did not aknowledge the debt during the call, in fact I rang to tell them off and said I didnt owe it throughout. So this is a lie. Im now scared to contact them again as it comes off my report in December 2012 and it would be another 6 years from now if they did. CAB and NDL are telling me if I cant prove I sent the letter of cancellation I cant do anything and that it would be very difficult to remove. The DD was cancelled and the Orange guy said he could see I hadnt used the phone after that date, which backed up what I was saying. It was also only £47 which I can prove I had in the bank the whole time. I have been with my bank for 10+ years and they recently refused me a credit card. After I appealed they sent me a letter saying it was because of bad credit. I have been refused last year but was told its probably because I dont have any credit so never checked. This is registered as a default level 8 and I have no other bad credit at all so it is dragging it down. I am not on the electoral roll but havent had trouble with this in the past. How do I write to them without resetting the debt? I would like to get this removed as it is a slur on my credit history and inaccurate. Who do I take this up with? I dont know where to start. (Previous post) In 2001-2 I took out a 12 month contract with orange which turned into a monthly rolling contract. I cancelled the agreement in 2004 when we emmigrated by sending them a letter 6 weeks in advance and I cancelled the DD after the date I gave them for termination. I had not missed a payment during the agreement. A debt collector arrived at my previous address (my mothers) for me in 2006 and I contacted orange to tell them this was wrong and the man I spoke to agreed he could see I hadnt tried to use the phone since the date I had cancelled it from. He said I could either pay it or send them copies of the letter. They said they hadnt had the original letter, so I resent copies of the original termination letters and heard nothing since. I refused to pay as I told them didnt owe them any money. We have now moved back and I have just checked my credit report and it is showing this as a debt from 2006 when I spoke to Orange about it. I understand the debt was reset, but I did tell them I didnt owe them any money as I did give notice. My question is, this is due to fall off my credit report in about 12 months. Do I get it removed as its false information and how do I prove now that it was cancelled, as I do not have that information any more. Or do I just wait it out even though this is affecting my need for credit now? The amount is only for £47 which I guess as I was out of the 12 months contract, is the most they can ask for. I did pay the 1 months notice. I dont even know the phone number now. I am worried about contacting them again as it will reset the debt. Thank you

Its registered under Arrow. It looks like the debt was reset when I spoke to them in 2006 even though I didnt acknowledge the debt? Ive spoken to the CAB and NDL and they told me if I cant prove a letter was sent then I cant do anything about it, is this right? Surely the orange statements would support my claims. Plus its only £47 so I would have paid it I can prove I had this much in the bank. I have a letter from my bank telling me that I have bad credit and that is why I was refused a credit card after 10+ years with them. The CAB said the bank wouldnt refuse me because of this Orange thing? Who do I take it up with and if it isnt removed how do I stop them as resetting it to now when I contact them again?

Thanks, I dont have a clue where to even start with all this. There never was a debt and after speaking to Orange and resending the information Im am shocked its on my credit report. Its really dragging my credit down, with being out of the country for so long I dont have any credit anyway, so it makes a big impact and showing as a default.

Hi, I hope this is in the right place! In 2001-2 I took out a 12 month contract with Orange which turned into a monthly rolling contract. I cancelled the agreement in 2004 when we emmigrated by sending them a letter 6 weeks in advance and I cancelled the DD after the date I gave them for termination. I had not missed a payment during the agreement. A debt collector arrived at my previous address (my mothers) for me in 2006 and I contacted orange to tell them this was wrong and the man I spoke to agreed he could see I hadnt tried to use the phone since the date I had cancelled it from. He said I could either pay it or send them copies of the letter. They said they hadnt had the original letter, so I resent copies of the original termination letters and heard nothing since. I refused to pay as I told them didnt owe them any money. We have now moved back and I have just checked my credit report and it is showing this as a debt from 2006 when I spoke to Orange about it. I understand the debt was reset, but I did tell them I didnt owe them any money as I did give notice. My question is, this is due to fall off my credit report in about 12 months. Do I get it removed as its false information and how do I prove now that it was cancelled, as I do not have that information any more. Or do I just wait it out even though this is affecting my need for credit now? The amount is only for £47 which I guess as I was out of the 12 months contract, is the most they can ask for. I did pay the 1 months notice. I dont even know the phone number now. I am worried about contacting them again as it will reset the debt. Thank you