Debt recover advice

baldemort Forumite Posts: 31
Tenth Anniversary 10 Posts Combo Breaker
Not sure where to post this but I think this section is right. 
I have a disagreement with an online subscription service. I know I checked a box to not auto renew and yet my service auto renewed and they’re wanting over £300.
It was on an old email I rarely use so didn’t get the warnings. 
Of course I don’t want to pay as it’s a tech issue at their end but they’re threatening debt recovery etc

any Idea where I stand? 
Can they just ruin my credit history?
can debt recovery people start charging me for letters or visits etc? 


  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,704
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 October 2022 at 1:04PM
    No, wrong section, this should be on the DFW forum, not the IVA & DRO board.

    However, to quickly answer your question, subscription services don`t usually report to credit files, you can only be charged what your original agreement says you can be charged, debt collectors have no power to charge you, they can supply an invoice, and you can choose to either pay it, or not pay it.

    Doubtful you will receive a knock at the door, mostly you will get a few letters, calls, eventually they will forget about you.

    If you want to dispute the debt, do so in writing.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- The "provit letter" is here-
  • baldemort
    baldemort Forumite Posts: 31
    Tenth Anniversary 10 Posts Combo Breaker
    Thank you for the reply and I’ll repost in the other section 

    thank you 
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