Phone bill debt collection letter

WhiteHorse

ptvw wrote: »

I did have a phone contract around this time and was unhappy with the service I received and wanted to cancel it.

Let them sue you and claim breach of contract. You didn't say this at the time though, which rather undermines your position.

They said they cannot send me a signed copy of the agreement because I digitally signed for it.

Even purely verbal contracts are binding. The absence of paper and ink makes it difficult to prove though.

You could fight it, but on balance better to pay it and be done with it.

visidigi

ptvw wrote: »

Like going on an IVA and shafting your lenders for 20% of your debt?

http://forums.moneysavingexpert.com/showpost.php?p=39191794&postcount=1

Or like shafting your lenders for 100% of your debt, because 'I thought it was worth a go'

No excuse, 100% liable, pay up or accept the consequences.

19lottie82

Pay it. It's your debt, you owe the money.

If you don't your credit rating will be trashed and for what £100?

grumbler

19lottie82 wrote: »

If you don't your credit rating will be trashed and for what £100?

The debt originates in mid 2007. The credit history had been trashed already and paying the debt off will not change this.
And, AFAIK, in 2013 the debt will became unenforceable.

It's not that I advocate not paying.