Hi, I cancelled my phone contract that I ordered online, within the 14 day cooling off period.
As per the Consumer Credit Act I should not have had to pay line rental. I cancelled the contract a few HOURS after ordering it so never received the phone. The final bill was sent to me 6 days after the phone was originally ordered, well within the 14 day cooling off period!
And yet, my final bill for £7 of line rental fees has now gone to a debt collection agency and is a missed payment, hence severely affecting my CREDIT RATING score now!!! I shouldn’t have had to pay it. And I did not use the phone so used no calls, texts or data. I did not get contacted much at all, just one email for the final bill, then suddenly I notice this default sum on my credit report!!!
Please can this be rectified and error corrected so that this ‘missed payment’ is cancelled?
I have already raised this with online chat and have complaint reference number 382887835 but wanted to send this also so it can be recorded in writing. I would value any advice people have also.
Many thanks
