Again I agree with everything you say... And you're not really saying anything different to your previous replies, which I've expressed that I agree with. Not sure what your point is? You seem to keep making the basic assumption that this ^ is a given. But they have ignored my responses and offer to do this, so....?

EXACTLY! I would have been made aware that there was an outstanding debt much sooner than 4 months down the line! I could have been paying back £23 a month and the debt would be completely cleared by now! I would completely agree with the 'unreasonable', had I been aware of a debt for the last 4 months! I think I am completely reasonable to have a problem with the chasing process when the process is; Do nothing for 4 months (not even check that the single informative message had been received), then expect full payment on the day of first follow up correspondence! So if that's what you found unreasonable about my frustration, I guess we just have very different standards of reasonable.. But thankyou for your input

So what part of that did you think was unreasonable of me? All of which I have done, and they have ignored. Which is why I'm here asking for help

I just noticed the title of the thread contains the term "account dispute", and could certainly be interpreted as my disputing the actual debt. But you would still need to ignore all the thread content to reach that conclusion.. But I can see how it may lead to you reading the thread with a certain spin. A more fitting term would have been "account issue", as there is no dispute, just the issue of my offer of repayments being ignored and them moving it on to a faux debt collector.

I'm starting to wonder if you actually reading what I type, or just skimming it and making assumptions... You've replied 4 times now (which I appreciate), but each time seem to just be reiterating the same simple point, which confuses me as it's one that I; a) haven't missed, and b) actually acknowledge in every one of my posts..? I do not dispute or disagree with anything you're saying? :???:You've made the same simple point in each of your posts and each time I've agreed with you. It's a simple and clear cut situation. They've sent goods, I owe them money for it. I've never suggested I don't think I should pay it, only that I cant' pay it in full right now...? So again, I fail to see why you keep focusing on the simple facts that no-one here is disputing?? What I'm moaning about here, (which I thought would be obvious to anyone reading this thread by now), is the fact that they only informed me of this by a single e-mail, then left it four month before contacting me again. Meaning it not only came as a very unexpected and unwelcome surprise, but also at a time where I don't have the money to pay it back in full today. Then in addition to springing an unwelcome surprise, they have also ignored my offer of repayments and moved on to debt collector style letters. At no point in my posts have I made any suggestion that I think they are unjustified in viewing this as a debt, so why do you keep feeling the need to defend the debt when no-one is disputing it? As I say, to keep missing the point this way suggests that you're not actually reading what I'm typing... And finally, the advice you offer to move forward is exactly what I detailed as being my last communication to then, which they ignored. But you say it as if it's something I haven't done. So again, you leave me wondering how much you're actually reading my posts?

I think it's important to reiterate that the payment failed. THEN they took the decision to send the goods out. It was not a case of them sending goods, then the payment later bouncing. If it had been in the order you said, I would totally agree with you. I mean I still agree with you now, but I'm not a happy bunny either, and since both our grievances are down to their actions, I believe my unhappy bunny trumps theirs :violin:Haha! I thank you and truly appreciate your honest opinion. But please tell me how you think I'm being unreasonable? As I just don't see it. I have acknowledged the debt and agreed to pay it back. I don't see how being too poor to pay it off quickly is unreasonable? Especially in the circumstances. And staying on that vein for a moment, do you think it's also unreasonable to leave a customers (unknown) debt sitting for four months without a single follow up, then expect them to jump up with full payment the day you finally contact them? I only ask because in each reply you have seemed sympathetic to them (no problem with that, as I've said, I agree ), but have not expressed any sympathy for the situation they have put me in. (note - please don't take any of this as confrontational, these are sincere questions and I appreciate the dialogue. But I know I can often be interpreted the wrong way so just making the point that all is said with a ) I have been going back through my e-mails and found the correspondence. I never delete any e-mails, even the ones I haven't read, which are now at 3k+! I can see why I missed the e-mail. On the order date 17/12/16, I got two confirmation e-mails. On the 18/12/16 I got yet another confirmation e-mail (the first one I opened), which read: Sounds like a pretty conclusive confirmation of a successfully completed transaction, no? And was the third e-mail regarding the order (first one I actually opened and read, but reading first two today, they are both confirmations too). On 28/12/17 (note this is 10 days later) I get two more e-mails, the one I open reads: Unfortunately, I never opened the second one. As, like with ebay and other online shops, it just looked like their e-mails often come in groups (ref. the two confirmation e-mails on the 17th). I say unfortunately, because it would seem it contained this vital info: Again, I think it's worth noting that this is 10 days after the order was confirmed as successful by three separate e-mails (one that I read). And sent at the same time as the order dispatched e-mail. Yes, I should have been more diligent and opened the second e-mail. But it's usually just some company blurb/offer/extra sell/newsletter etc. Or part of a series of update e-mails (order packed, order picked up, order out for delivery etc.). So was overlooked. Yes, overlooking that 1 e-mail was a mistake (a big one, it would seem). But still a small and very innocent mistake compared to their big (but still innocent) mistake of not waiting for confirmation/asking my permission, and the even bigger (and imho, not so innocent) mistake of leaving it four months before sending the next e-mail. This is why I don't think my vexation at the matter is unreasonable (but still up for discussion on that ). All that was needed was something like 'Payment Problem' as the subject of the first e-mail, rather than it being the order number, and it would have stood out from the other 5 and I'd have read it. Or how about a follow up e-mail a few days/a week/a fortnight/a month/6 weeks/two months later? All I did was miss one little e-mail. It just so happened to be the one that contradicted all the others...

Thankyou I will chase up Thomann for a reply to my last message to them. As I said to them, I'm happy to arrange a way to repay. But I cannot afford to pay in full, or even two instalments. But considering the circumstances, that really shouldn't be a problem for them. And certainly not grounds for ignoring me and passing on to faux debt collectors.. I think it is wrong for a company to send something when payment failed, without asking permission. As I said to them, it was not the agreement I entered into and I would have turned it down or returned the items unopened if I had had any idea at the time. But I no longer have either option because they made an assumption, then waited 4 months to follow that decision up.. . A single e-mail from them, that was never confirmed or responded to, is not adequate imho... If they had acted correctly, or not dragged their heels with a follow up, then this could have all been avoided or resolved without fuss. But now here I am suffering because of their poor decisions and slow action... Then on top of that, they ignore my offer of a resolution and make it look like they've passed it on to a debt collection agency. Surely that's out of order?

Thankyou for your response, but your suggestion for a solution is where the problem is. I was trying to come to an arrangement with Thomann directly, but they ignored my last message and passed the debt on to Credit Limits International LTD.

Hi, I bought some items from Thomann.de in December last year. Paid by Paypal. Got 'Payment accepted' notice and items arrived. A few weeks ago I get an e-mail from Thomann asking me to pay an outstanding balance. I thought it was some sort of phishing [problem], but after checking it out, everything seemed legit. I replied asking them what I owed them money for (at this point still assuming the order that was completed 4 months ago was, indeed, completed..) Apparently, my Paypal payment didn't go through at the time, but they sent the items anyway and opened an account.... I never received the supposed e-mail, and (as I pointed out in my reply) never responded to give this the OK... Thomann clearly weren't happy with that response as the next message contained a threat of a debt collection agency: In my response, I expressed my disappointment in them so readily resorting to threats, but also continued on the path to resolution: That was sent to them on Thursday (13th April). All the correspondence above were on the same day with messages about an hour apart. Today I get an e-mail from debt collectors.... I responded immediately with: Then I started searching the net for advice and found this place. Probably should have done that the other way round! So, where do you think I stand on all this? I think the two resolution offers I gave to Thomann are more than fair and reasonable considering the circumstances. They clearly disagree, but surely they don't have the right to pass onto a debt collector at this point?? edit: Forgot to add, the amount is £87.52