If you think you’ve been scammed. If you have received debt letters from a mobile phone company you’ve never even heard of. Don’t spend hours of your time breaking your head trying to convince someone in an off-shore call centre. They are not equipped to deal with it. Its off-script. Forget about e-mail. Instead write a FORMAL LETTER to their complaints department and post it recorded delivery. Yes-I know it’s a pain, standing in line in a post office with only one person serving. But is the only way to prove delivery. If you don’t get a reply or can’t find the complaints address, write a personal letter to their chief executive. Make it their problem. It’s all about creating a paper-trail. About covering yourself. About creating the evidence you need to take your complaint to the financial ombudsman if you can’t get a satisfactory response. They can’t ignore that. Just one other thing. Buy a copy of my book, ‘Get Paid’. It contains essential information for anyone being hassled by an unfair claim. It’ll show you what creditors can – and can’t do. Here is the link.