I had a 3 dongle for years and was paying for it without using it for a while. One day I went on my digital banking and cancelled the Direct Debit. I didn't think anything of it but I've now been passed onto a Debt Collection Agency. I've read all sorts of stuff about court action and poor credit rating now. I now realise that I probably breached the contract. I'd happily pay the final month if that is what they are pursuing. What is the likely outcome if these situations? Do the Debt Collectors add on all sorts of charges?