Debt from 5 years ago(in dispute)

A question about : Debt from 5 years ago(in dispute)

First off I know they have to prove it, what the situation is I had 2 contracts I got at Christmas 2008 with Three, cancelled in May 2009 due to changes in contract.

I first got a letter about one saying I owed over Ј700 because I defaulted, I contacted Lowell the debt collector who said I had to prove it was cancelled then said I was getting confused/lying as you cant get out of a contract for any reason, I stood up for myself and I was promised proof of debt.

The proof arrived and it was a printout of payments due and made, showing the date of last payment matching up with a month after I cancelled.

This is where it gets tricky, I cancelled one outright and agreed to keep the 2nd one if I got a discount plus a new phone and if it was changed to a months notice contract not a 2 year one as currently had.

This was agreed and I got my new phone a few days later, however they messed up the discount so it discounted on one hand by Ј20 and on next bill showed the last payment being Ј20 underpaid so I contacted head office and got nowhere and then gave my 30 days and cancelled(to be fair I remember I paid the amount owed but not the Ј20 for the 2 months they claimed I underpaid)

The problem with the 2nd contract is though I gave them 30 days notice they cut my allowance off same day i.e it was like 2000 minutes and free 3 to 3 calls so I rang relatives also on 3 and gave a bill of Ј40 since I was charged full amount of each call which I remember also disputing then forgot as was illegally evicted from the house about a week later and started university so forgot all about it.

I may as well add some new information, the only reason they have caught up with me so to speak is that last year I got a sim only contract and 6 months later they let me upgrade but messed it up so they put it through as a NEW account, I remember disputing it at the time and they first told me it was correct then said they would look into it then admitted their error, and in last few weeks have now sent me letters saying I owe for a phone and sim for 12 months money(which in some ways backs me up as all new phones and sims are 2 years)

So they have messed me around on 3 accounts but my sim only one is still active and I have never missed a payment, but my credit score is destroyed because of this(I asked to get a upgrade when the 12 months ran out and was declined due to owing them money)

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