Mobile phone advice - what would you do?

[Big Mouse]

Hopefully won't seen as a 'pistonheads knobhead' like post

I don't think they've done enough to warrant a claim for dismissing the contract; they've provided a reasonable service as far as communications go but their admin side seems a little flawed. A court would expect you to make reasonable endeavours to get them to sort your payment out; that would involve writing to them and requesting payment and giving them reasonable time to sort it out - unfortunately the law rarely. if ever, gives a timescale for what it deems 'reasonable'

Pointless calling them; you've no record of any conversation you have with them unless you have recorded it and you can't use that unless you've made them aware of that in the first place.

If you pay by debit card you have to expect this to happen from time to time; you are effectively being billed for payment. If you are late for whatever reason it will affect your account and take time for it to be rectified; these companies have massive accounts departments. If you have the funds in place to pay by debit card then you might as well pay by direct debit and get it a bit cheaper

As for compensation I doubt whether you have any grounds for that, you would have to demonstrate some sort of quantifiable loss. By the sound of it you are actually £15 in credit.

As in any other area of law, you can't claim for your telephone calls or time you take off work to deal with it; any court worth its salt would kick that claim out before it even drew breath for the obvious reasons.