Totally at the end of my tether with bill and pric...

New to this but totally at my wits end over it. I rang BT end of Dec and asked to be put on the anytime price plan as they were going to charge me £32 a month from £24.50 a month as I was making daytime calls.
I simply asked if I could clear my account and then be put on an anytime plan from Jan. I was told I owed £7.75, queried this but they insisted it was correct. I wrote a cheque for £7.75. Got letters after sayin I would be paying £17.50 anytime plan which was a £2 reduction for being with BT for a while. Then got a letter they would take £20 a month from me. I rang and then got told it would be £17.50 as we had agreed. They had received my cheque.
Now my latest bill says I am £50.45 in debit and from April will be charged £31.50 a month. yet other parts of the bill says I will be paying £19.50 from Feb to May with a £2 reduction.
I need a degree to understand the bill. Numerous phone calls and I still cannot understand it all HELP, its taking over my life trying to sort it. How fantastic it would be if you could help me.

You're right - the bills can be terribly difficult to fathom. 
First things first, the £17.50 basic charge is correct (line rental £14.60 + Anytime calls £4.90 - £2 discount).  But your monthly payment ought to be a bit more to cover chargeable calls, unless you're absolutely sure not to make any.
Your bill should be in 4 sections:
1. Your starting credit, hopefully a minus figure. This is the payments you have made since the previous bill, adjusted by any credit or debit brought forward.
2. Your basic charges. This is in advance and should be 3 x £17.50 = £52.50, but there may be items brought forward.
3. Additional charges. Obviously, this is what you used above your basic charges.
4. The bottom line.
If you paid £17.50 a month and there were no other factors, your bill would show payments of £52.50 in section 1, charges of £52.50 in section 2, and zero in sections 3 & 4.
But, as you rightly surmised, to get a bill like that you would need to start with a zero balance, and that clearly has not happened. I'm guessing that the £50.45 debt is the bottom line on your latest bill, in which case it will not relate to advance charges as suggested by oldie68. It is a debit; if it is correct your future monthly payments would have to cover it, and an extra £14 a month against a debit of £50 is not unreasonable.
If you can post details of your latest bill (with any personal information deleted) we could try to unpick it for you to see if it is correct.
You can click the white star next to this message if you think it was helpful.

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