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Originally Posted by ronnyb
...............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.
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It is illegal for debt collectors to hassle you in any way shape or form i.e. by phone or in person (heavies).
Unfortunately the fact it is already in the hands of a collection agency may well mean there is a black mark on your credit rating. For £9.95 you can get a full credit reference from Equifax (I think Experian also have a 30 day freebie credit check ATM).
If it transpires there is a bad credit mark you should contact both NTL and the Credit reference agency to have it removed (or at least an explanatory remark).