About two years ago I had a spat with Vodafone and refused to pay them £31 for a problem that was not caused by me. I kept ringing them, explaining that my mobile phone account had been cancelled a few weeks earlier so they shouldn't be asking me for money now. They kept assuring me that all would be ok so I left it at that. A few months ago my perfect credit record was screwed by their putting a non payment against my credit report which has effectively stopped me from getting any credit, loan, credit card, extended term for new furniture etc etc and this lasts for 6 years. Even if I were to pay the £31 now the 6 year period stands, so fck em, I wish it had been £10000 !! Have you any experience of this type of thing, if so were you able to wangle your way out of it or were you screwed for the same 6 years?