I'd used 3's LTE/4G broadband service for 3 years - and it was OK. Last August we sought advice on options from their local store. Fellah suggested that perceived decline was likely due to age of Huawei router and recommended a follow-on contract which would provide a new, better router. So we signed up for this.

He undertook to cancel the old contract and also the monthly DD. The new contract c/w new DD would start same day. I cancelled the DD instruction with my bank, as advised.

Some weeks later, I started receiving email demands from 3 for 'unpaid monthly fees'. Eventually, I managed to hunt down a Complaint Adviser who was quite intransigent. I 'hadn't terminated the contract in the approved way'....

She insisted on my paying a sum of £20.06 (?) in final settlement, which I did there and then to complete the matter. The new contract and DD payments had started and continued smoothly.

I then discovered 3 had posted a 'default notice' with several credit reference agencies - that I had 'missed a payment'. A formal letter of complaint posted to their head office was ignored. Eight weeks later, I have complained to The Financial Services Ombudsman for redress.

I don't need or want credit, but this calumny is affecting my relationship with banks, solicitors and estate agents.