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

37
Found 18th Jun 2009
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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37 Comments
Banned
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
as per above
What he said!
you'll find in your contract that you have to give 30 days notice you can't get out of it.
Banned
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'
Original Poster
dimebars;5526927

1. they will send you a letter asking why2. your account will fall into … 1. they will send you a letter asking why2. your account will fall into arrears3. they will sell your debt to a credit collection agency who will hound the living daylights out you till you pay it4. your credit record will be smeared - for the sake of £30-oddon you go - cancel itedit: 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.
Original Poster
dimebars;5526980

alternatively you can just go to ground and ignore it - until they turn … 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 etcwhy do you think they are called 'contracts'



like i say, if you can't be helpful without insulting, just shut up
Banned
nuabdi;5526983

your info is appreciated, but i'd rather hear nothing from you. your last … 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



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
Original Poster
dimebars;5527047

I'd rather you took on board the meaning of 'contract' before you sign … 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??
nuabdi;5526983

your info is appreciated, but i'd rather hear nothing from you. your last … 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 … 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...............
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
nuabdi;5527068

like i said i need an advice but it does not have to be from someone like … 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
dimebars;5526927

1. they will send you a letter asking why2. your account will fall into … 1. they will send you a letter asking why2. your account will fall into arrears3. they will sell your debt to a credit collection agency who will hound the living daylights out you till you pay it4. your credit record will be smeared - for the sake of £30-oddon you go - cancel itedit: 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.
Original Poster
harlzter;5527077

You asked, he told you, if you dont want straight talking advice don't … 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!
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...
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
Durhamlad;5527134

This happened to me but I did not receive any letters, I did not know I … 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"
Original Poster
dimebars;5527096

did you not get the answer you expected or something? what were you … 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 months2. the whole world becomes a better place3. 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
[QUOTE=civms47;5527161]
just waiting for a chance to insultQUOTE]

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

You know what they say about asking stupid questions..........
Original Poster
Trauts78;5526940

as per above



nlambert;5526963

What he said!



jeany123;5526971

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



4lyons09;5527090

People have done a lot worse, depends how you handle it and who you speak … 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;5527155

it has, and always be 30 days notice, you're lucky to cancel it one day … 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;5527161

Basically you've got a minimum term contract, if you want to cancel it … 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...
I used to think this was a frinedly site!!:roll:
hannah19790;5527237

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
bailey2k4;5527259

I know it was a typo but frinedly sounds like a really cool word and … 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
Original Poster
hannah19790;5527237

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
nuabdi;5527320

in general it is... sorry for lashing out the way i did. It's just today … 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.
Original Poster
ChipSticks;5527355

He didn't stereotype anyone, just gave you a straight talking … 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?
nuabdi;5527376

OK, thats your opinion and I explained why I reacted that way. I presume … 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
nuabdi;5527320

in general it is... sorry for lashing out the way i did. It's just today … 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;-)
Original Poster
dcx_badass;5527469

I've done this before, BUT, I did it because I gave 30 days notice, had … 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;5527487

I think the same thing could have been said a little more civil.Good luck … I think the same thing could have been said a little more civil.Good luck getting it sorted out



Thank you :thumbsup:
Original Poster
hannah19790;5527588

Actually, it weren't u I was on about;-)



thanks :thumbsup:
however, I do feel bad for making the thread the way it is
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.
Original Poster
torapoole;5527650

Actually I think people in this thread were a little harsh to the OP. He … 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
nuabdi;5527635

thanks :thumbsup: however, I do feel bad for making the thread the way it … thanks :thumbsup: however, I do feel bad for making the thread the way it is



It weren't u hun:thumbsup:
Original Poster
hannah19790;5527803

It weren't u hun:thumbsup:



rep aded for being so nice :-D
nuabdi;5527879

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:
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.
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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