What's the worst that can happen if I don't pay a bill?

I'm disputing a bill with my network but just wondering what's the worst that can happen if I point blank refuse to pay it. Could it go to a debt collector? Would it ruin my credit rating?

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CTPAHHIK  Oct. 8, 2012 at 15:30

Your service gets turned off and you lose your number. There is a chance that debt will go to collector and ruin your credit rating. However, that should not be happening while you are in the process of dispute. Assuming you have all paperwork in order.

Lancman  Oct. 8, 2012 at 16:12

Depends who you are dealing with but possibly YES to both. It happened to me a few years back when I was involved in a long running dispute with Carphone Warehouse. After several months banging my head against a brick wall I cancelled the monthly payments. CPW continued to ignore my attempts to resolve the dispute and I was soon getting letters from a debt collector threatening court action. In the end it was the debt collector who sorted it out as he had access to phone numbers which bypassed the CPW 'customer service' department. Even though CPW eventually admitted the dispute was their fault and cancelled the debt, the missed payments still appeared on my credit record and will be there for 6 years. I have been strictly PAYG ever since.

Pondlife  Oct. 8, 2012 at 19:27

Surely you have grounds to sue them unless they rectify that?

CTPAHHIK  Oct. 9, 2012 at 08:41

Talk to one of credit agencies, provide all necessary information to back up your claims and non-payments will be removed from your credit report.

I had collectors from EDF, BT and council after me. Credit agency will update your credit report once dispute is resolved.

jaybear88  Oct. 9, 2012 at 16:56

^^ +1

matt101101 / MOD  Oct. 9, 2012 at 17:07

What's the worst that can happen if I don't pay a bill?
You'll get sued and lose, big time, for your breach of a (probably) well written bilateral contract. That's not a particularly likely outcome though.


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