[ronnyb]

I subscribed to NTL freedom dial up and telephone package about 2 1/2 years ago electing to pay by direct debit. There were problems from the start when they started taking 2 lots of monthly payments each month from my account. It took a long time and lots of unanswered e mails and letters until I recovered the money. I decided to change supplier in January this year and wrote to NTL giving them the date from which I no longer required their service. After what had happened at the beginning I cancelled the direct debit and wrote again telling them to bill me for the final amount and I would send a cheque (anticipating that they would continue to withdraw money). Meanwhile I get a letter from a debt recovery agency in Stockport demanding the outstanding amount (£15) Since then the cheque has cleared and I have had a letter from NTL thanking me for the payment. Today however it's the nasty phone call from the debt recovery agency. Presumably they'll send the heavies round next. I've been fortunate never to have had a debt in my life but it worries me I may get a bad credit rating or something.