Be interesting for an independent repair company to check JVC Televisions as they are Comet exclusives. I represented JVC customer services, and can tell you even when I represented them, we couldn't get access to service manuals so how would anyone else? Customers just think oh JVC badge on the front, I will be ok.... Personally look at other brands where service is available from the manufacturers, cause JVC UK are unable to assist you when it all goes wrong.

I have a payment arrangement for £32 a monthe already but the letter states if i pay them nothing by the 13th feb 2010 they will clear my account lol. clearly before i cancel the direct debit i need to know where i legally stand with regards to their letter as i phoned them and the agent said it was sent out by mistake lol and they do not offer settlement figures for T-Mobile accounts. But a letter saying they are offering a settlement clearly disputes what the agent said.

i to have received a letter from capquest concerning payments to t-mobile. I aknowledge there is a debt but the letter says very clearly if you contact us by the 13th feb 2010 we can offer a settlement figure on the monies that i owe. If you pay £.0.00 over a 1 month period your acount will be cleared and we will close your account. If they state that then clearly this is a legally binding letter or am i very wrong in this matter.

No i made payment via a pre-payment mastercard so they have the money. I felt under so much pressure to pay but from other posts it seems i shoudn't have done. Let me clarify i had an old contract which according to hutchinson was taken out 0n 20/08/2003 ending 02/06/04 odd 10 months not a 12 month duration for starters. According to hutchinson i took the contract out via phones 4 u at the time they were trading under caudwell communications. Now here it gets interesting three say the handset was a motorola a920 but after obtaining a printout from phones 4 u they show an nec e808y, but they also said no name was linked on their computer system. Three claim i made a cash payment via a bank in december 2003 since then i had no communications from three/hfo or anyone until a letter from roxburghe arrived on 11 jan 2010. As in earlier post i am questioning the so called interest charges hfo put on, is this allowed? also i done a check on the cca website and hfo/roxburghe are the same company or associated to each other in some way. Roxburghe claim hfo registered a default, i cannot check experian as i do not have a proper credit card to verify my identity so that proves a bit of an issue. All i am asking is considering the last payment was december 2003 and the contract ended 2nd june 2004 and HFO only passed the debt to roxburghe in 2008 so it's even taken them a year, was i indeed liable to pay or not. Roxburghe only took payment for the original sum demanded by three and all charges of interest etc were written off but the fact they still tried to add interest seems to be a grey area in the first place. Simply would i be entitled to obtain my payment back, due to statute barred regardless of when the default in 2008 or my contract end date?

According to the CCA public entry register Roxburghe and HFO are the same company. If this is the case can a debt collection agency put a default on my credit file and add interest to an original debt from Hutchinson 3g. The agent at roxburge said the debt was brought from hutchinson in 2008 by HFO services who then passed the debt onto roxburghe to which i only received a letter dated 11th Jan 2010. According to hutchinson my last payment was in december 2003 but i can't remember paying it to be honest, so with this in mind does it become statute barred as i have had no letters from anyone since then, again the agent at roxburghe said statute barred does not apply as the default was registered in 2008 and the contract i had with hutchinson finished in july 2004 so according to him statute barred again does not apply. I am confussed by all this, i have paid the debt in full today because i fear further action by these companies. I suppose that's what these companies pray on, i don't know what action to take now as i am sure from the comments here the debt was unenforceable?

Have you checked your credit file with reference to a company called HFO Services as they will be the ones to register the default.

I received a letter from Roxburghe claiming for £424.76 original balance from hutchinson £243.89. I contacted roxburghe and they said the debt was defaulted in 2008 so has taken themselves over 12 months to contact me. I asked who the debt was from and the advisor said HFO services and the charges added were made by them. As far as i am aware HFO are legally not allowed to apply interest to an overdue account? I knew i had a contract with 3 but thought everything was settled as i have had no contact from them since December 2004. I settled the account today as roxburghe waived the charges levied by HFO legal or not, and also waived the fees roxburghe charge themselves. I have got an e-mail to confirm the debt is closed and no further action will be taken. I see lots of people have issues but sometimes it's simply the fact that people may have forgotten about things that are over 7 years ago, with the days and stresses modern day life has. In fairness roxburghe had another account i owed for 02 and i was paying by standing order and they wrote to me saying the account was overpaid and enclosed a cheque which cleared. The only thing i would ever question is why hutchinson 3g pass the DEBT to HFO who then make no contact themselves but wait over a year apply their charges then pass to Roxburghe. Personally it's easier to pay but state it's under duress and if the debt is proved to be incorrect Roxburghe themselves refund you.