The account wasn't taken out at the address I currently live at, they've sent letters prior to this one to this address (which I ignored as I thought it was complete rubbish or a clerical error).

Just one last question, is there a chance that by doing nothing I could end up oweing more than £1074 (the balance of the debt) if I get a CCJ. Like can they actually bill me for their solicitors fee's.

I'm sorry I didn't mean that in any kind of snarky way if thats how it came across. I know I know absolutely nothing about how this all works and the question about doing nothing being +EV was meant genuinely.

So would your opinion be that it'd be +EV to do nothing, wait for a court claim and then take it from there?

On the letter it says court costs and solicitors fee's that would be added to my balance if I don't get in touch with them, is that just untrue scaremongering? Sorry for all the questions, just a bit shook up I guess haha.

I thought it was because companies like orange sell the debt to companies like lowell so they don't really have any motivation to recoup? I've never really been in any trouble like this before so don't know much about anything. Are you saying that lowell aren't going to do anything and this is just a scare tactic or am I misinterpreting?

Thanks for the speedy reply. Initially I spoke to them (orange) over the phone and they told me "You signed the contract". Which is fair enough as anything I say that their sales rep told me is hearsay. Am I just gonna have to bite the bullet and find a way to pay this then? There wouldn't be any other blemishes on my credit record as i've never had any issues with credit cards or the like, but I don't suppose that would help with regards to this?

I'm not 100% sure on the date this phone bill was racked up but it was either late 2012 or early to mid 2013. It was my first mobile phone contract, the terms of which were completely misrepresented to me, and I was in a long distance relationship. Ended up racking up like £1072 which orange then passed off to a debt collection agency. That was the first I even heard of it. As I was young at the time my mum said she would set up the minimum payement and I would pay her back. Well fast forward to now, i'm living with the girl I was in a relationship with and started getting letters from what i'm pretty sure is a different DCA about this same bill. Initially I ignored them thinking it had already been paid till I received a pre-legal assessment in the post. Messaged my mum and it turns out she never set up the minimum payment at all . I'm worried that this has caught up with me especially as I thought it was all taken care of and I don't know what to do, or if the debt is statute barred, or if i'm going to just have to pay it off. So yea, any advice on any steps I could take would be greatly appreciated. Thanks.