what if i just cancel the direct debit (30 day notice for canceling contract) - HotUKDeals
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what if i just cancel the direct debit (30 day notice for canceling contract)

nuabdi Avatar
7y, 5m agoPosted 7 years, 5 months ago
right, heres my situation...

i cancelled my mobile contract just 1 day before it runs out. the CS says that they will continue for 1 mont because i they require 30 days notice. I dont want it!!

now

wht would happen if i just cancel the direct debits?

thanks for your thoughts
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nuabdi Avatar
7y, 5m agoPosted 7 years, 5 months ago
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banned 1 Like #1
1. they will send you a letter asking why

2. your account will fall into arrears

3. they will sell your debt to a credit collection agency who will hound the living daylights out you till you pay it

4. your credit record will be smeared - for the sake of £30-odd

on you go - cancel it

edit: i am amazed some folk survive in this world
1 Like #2
as per above
1 Like #3
What he said!
1 Like #4
you'll find in your contract that you have to give 30 days notice you can't get out of it.
banned#5
alternatively you can just go to ground and ignore it - until they turn up at your door, batter it in and take your TV, XBOX, PS3 etc etc

why do you think they are called 'contracts'
#6
dimebars
1. they will send you a letter asking why

2. your account will fall into arrears

3. they will sell your debt to a credit collection agency who will hound the living daylights out you till you pay it

4. your credit record will be smeared - for the sake of £30-odd

on you go - cancel it

edit: i am amazed some folk survive in this world


your info is appreciated, but i'd rather hear nothing from you. your last comment is so judgemental as if you know me! for your record, im only asking and this is the first time it happens to me.
#7
dimebars
alternatively you can just go to ground and ignore it - until they turn up at your door, batter it in and take your TV, XBOX, PS3 etc etc

why do you think they are called 'contracts'


like i say, if you can't be helpful without insulting, just shut up
banned#8
nuabdi
your info is appreciated, but i'd rather hear nothing from you. your last comment is so judgemental as if you know me! for your record, im only asking and this is the first time it happens to me.


nuabdi
like i say, if you can't be helpful without insulting, just shut up


I'd rather you took on board the meaning of 'contract' before you sign one, but thats not happened has it?

You asked for advice and you got it
#9
dimebars
I'd rather you took on board the meaning of 'contract' before you sign one, but thats not happened has it?

You asked for advice and you got it


like i said i need an advice but it does not have to be from someone like you i.e someone who answers not to help but to insult ... got it??
#10
nuabdi;5526983
your info is appreciated, but i'd rather hear nothing from you. your last comment is so judgemental as if you know me! for your record, im only asking and this is the first time it happens to me.


nuabdi;5527020
like i say, if you can't be helpful without insulting, just shut up

You asked, he told you, if you dont want straight talking advice don't ask for it, in future check terms and conditions of things before you accept them.

It amazes me the question needed asking in the first place.

nuabdi;5527068
like i said i need an advice but it does not have to be from someone like you i.e someone who answers not to help but to insult ... got it??


Theres only one person I see in this thread thats being insulting and having a bad attitude, ad its not dimebar...............
1 Like #11
People have done a lot worse, depends how you handle it and who you speak too.
I doubt very much every case ends up with hounding from debt collectors.
banned#12
nuabdi
like i said i need an advice but it does not have to be from someone like you i.e someone who answers not to help but to insult ... got it??


did you not get the answer you expected or something? what were you expecting?

ok here is what really happens;

1. they immediately refund you the line rental you have paid for the last 18 months

2. the whole world becomes a better place

3. Michael Jackson signs up for 50 gigs at the O2 in London
#13
dimebars
1. they will send you a letter asking why

2. your account will fall into arrears

3. they will sell your debt to a credit collection agency who will hound the living daylights out you till you pay it

4. your credit record will be smeared - for the sake of £30-odd

on you go - cancel it

edit: i am amazed some folk survive in this world


This happened to me but I did not receive any letters, I did not know I was in arrears, then two years later I had debt collectors chasing me for one months money. Of course I had destroyed all my paper work so had know details of anything. Paid up in the end to get them off my back.
The debt collectors had bought the debt so they were after the money for themselves not the phone company.
1 Like #14
harlzter
You asked, he told you, if you dont want straight talking advice don't ask for it, in future check terms and conditions of things before you accept them.

It amazes me the question needed asking in the first place.



Theres only one person I see in this thread thats being insulting and having a bad attitude, ad its not dimebar...............


i have explained why i reacted that way. I just wonder why people need to say unnecesary comments like like "I wonder why some folk survive this world... ". It's as if he knew that I did it on purpose and habitually... that was what annoyed me. Like I say his help is appreciated but if it comes with a comment like that I would rather have no answer at all!
1 Like #15
it has, and always be 30 days notice, you're lucky to cancel it one day BEFORE the contract, 1 day after the contract, and you'll be paying TWO months...
1 Like #16
Basically you've got a minimum term contract, if you want to cancel it after that minimum term is up you'll need to give 30 days notice, i.e. the month before the contract is due to finish.

Once the minimum term is over, if not cancelled most contracts will continue on a rolling basis, i.e. month at a time, until you give your 30 days notice.

You'll need to check the terms and conditions for specific details, but that's about it. If you do just cancel the dd you will get letters through from whoever it is, and quite possibly (but not definitely) debt collectors will become involved. And as someone correctly pointed out, this may damage your credit rating and you might struggle to get credit in the future.

And ignore the other folk on here, some people spend ages on here just waiting for a chance to insult, pretty pathetic really.....
banned#17
Durhamlad
This happened to me but I did not receive any letters, I did not know I was in arrears, then two years later I had debt collectors chasing me for one months money. Of course I had destroyed all my paper work so had know details of anything. Paid up in the end to get them off my back.


Are you Blackadder in disguise??

"We didn't receive any messages and Captain Blackadder certainly did not eat this plump breasted pigeon"
#18
dimebars
did you not get the answer you expected or something? what were you expecting?

ok here is what really happens;

1. they immediately refund you the line rental you have paid for the last 18 months

2. the whole world becomes a better place

3. Michael Jackson signs up for 50 gigs at the O2 in London


its not your answer to the matter, its your additional comments that is so stereotyping that get to my nerve
banned#19
[QUOTE=civms47]
just waiting for a chance to insultQUOTE]

The wait is never that long really............

You know what they say about asking stupid questions..........
#20
Trauts78
as per above


nlambert
What he said!


jeany123
you'll find in your contract that you have to give 30 days notice you can't get out of it.


4lyons09
People have done a lot worse, depends how you handle it and who you speak too.
I doubt very much every case ends up with hounding from debt collectors.


jasonodell
it has, and always be 30 days notice, you're lucky to cancel it one day BEFORE the contract, 1 day after the contract, and you'll be paying TWO months...


civms47
Basically you've got a minimum term contract, if you want to cancel it after that minimum term is up you'll need to give 30 days notice, i.e. the month before the contract is due to finish.

Once the minimum term is over, if not cancelled most contracts will continue on a rolling basis, i.e. month at a time, until you give your 30 days notice.

You'll need to check the terms and conditions for specific details, but that's about it. If you do just cancel the dd you will get letters through from whoever it is, and quite possibly (but not definitely) debt collectors will become involved. And as someone correctly pointed out, this may damage your credit rating and you might struggle to get credit in the future.

And ignore the other folk on here, some people spend ages on here just waiting for a chance to insult, pretty pathetic really.....


Thanks for your answers... rep added...
#21
I used to think this was a frinedly site!!:roll:
#22
hannah19790
I used to think this was a frinedly site!!:roll:


I know it was a typo but frinedly sounds like a really cool word and could really take off lol:-D
1 Like #23
bailey2k4
I know it was a typo but frinedly sounds like a really cool word and could really take off lol:-D


lmao:lol: No typo.............it's the new black:p
#24
hannah19790
I used to think this was a frinedly site!!:roll:


in general it is... sorry for lashing out the way i did. It's just today is not a good day for me to have someone stereotyping my habits/personality
#25
nuabdi
in general it is... sorry for lashing out the way i did. It's just today is not a good day for me to have someone stereotyping my habits/personality


He didn't stereotype anyone, just gave you a straight talking answer.

Sheesh.
#26
ChipSticks
He didn't stereotype anyone, just gave you a straight talking answer.

Sheesh.


OK, thats your opinion and I explained why I reacted that way. I presume you have read the whole replies?
#27
nuabdi
OK, thats your opinion and I explained why I reacted that way. I presume you have read the whole replies?


I think the same thing could have been said a little more civil.

Good luck getting it sorted out :)
#28
nuabdi
in general it is... sorry for lashing out the way i did. It's just today is not a good day for me to have someone stereotyping my habits/personality


Actually, it weren't u I was on about;-)
#29
dcx_badass
I've done this before, BUT, I did it because I gave 30 days notice, had it comfirmed to me that they received it 5 days later, then the 30 days were up and it was still going, they said they didn't receive it, anyways I killed the direct debit, rang O2 and told them and they have generally awesome customer service, so she cancelled it instantly on the spot that day and credited my account with the money owed for the extra month that I was on for 3 days when it should have been cancelled, so that my credit rting wasn't messed up.


Thanks for replying. Appreciate it ... I dont think Orange will be helpful in my case. That's why I wanted to know what would happen if I just cancel the DD. Not that I will definitely cancel it, just want to know what people know have experienced. Thanks again

spider1986
I think the same thing could have been said a little more civil.

Good luck getting it sorted out :)


Thank you :thumbsup:
#30
hannah19790
Actually, it weren't u I was on about;-)


thanks :thumbsup:
however, I do feel bad for making the thread the way it is
1 Like #31
Actually I think people in this thread were a little harsh to the OP. He asked a question and received an answer yes but there was no need for the catty comments that came with it.
#32
torapoole
Actually I think people in this thread were a little harsh to the OP. He asked a question and received an answer yes but there was no need for the catty comments that came with it.


Thank you. Glad someone has similar opinion .:thumbsup:

anyway, it is not a big deal and is over now
1 Like #33
nuabdi
thanks :thumbsup:
however, I do feel bad for making the thread the way it is


It weren't u hun:thumbsup:
1 Like #34
hannah19790
It weren't u hun:thumbsup:


rep aded for being so nice :-D
#35
nuabdi
rep aded for being so nice :-D


Thanks hun, I thought everybody was nice on here........I was obviously wrong:roll:
Hope u get it sorted:thumbsup:
#36
If it happened today it might be worth ringing them back and asking them to reduce your tariff (If there is a lower tariff available)

Otherwise just pay up and use the minutes. As said above it's not worth the risk of a default record on your credit file and possible repercussions in the future.

Dimebars gave you the most likely scenario, it was good advice even if the comment was a bit harsh.
#37
your credit rating would be pumped ...royally

my mate done that and he is now ps3'less and a few tv's he was a big excessive tho he was a few hundred he owed :P

just pay the £30 or whatever it is for your own sake

dont want ye to wake up to a empty house :-)

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