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bustamante

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About bustamante

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  1. Will send them a letter asking for the CCA, is it best to do a postal order for the £1 and who do I make payment to for this CCA? Don't want to send a personal cheque because then they'll have access to my bank details and am suspicious they'll try underhand tactics to recover this debt.
  2. Do you know if there is a letter template I can send them cos this is worrying my wife something chronic?! She thinks we'll have debt collectors at our door or when we renew our mortgage, we'll be refused.
  3. mr.ton, thanks for putting my mind at ease. Should I reply to this letter or ignore them?
  4. I've receieved another letter from Lowells saying that they've given me numerous opportunities to settle the outstanding debt and unless they receive full or part payment they will instruct their solicitors to begin legal action. They claim this could result in a charge being put on my property or an attachment to my earnings along with court costs & interest. Or send an 'agent' round to my address to negotiate settlement. I am clearly not responsible for this debt so what should be my next course of action? Do they have to prove that it was me who incurred this debt?
  5. never phoned the police as the phone wasn't insured. it was a standard 18 mth contract, £25/mth i did report it to O2 but they reckon they can't find any trace of my call. Then told me to call Lovells as they can't do anything further. I'm surpised O2 didn't contact me when the first £400 was put on because it's plainly obvious this was an unusually large monthly bill.
  6. Couldn't get anywhere with 02 (useless ba5tards!) but have received another letter from Lowell's today with a balance statement attached. Has anyone else has this and can offer me some advice? 'We write in respect of the above debt, which, as previously notified in writing we have purchased from O2. We would advise that the nil balance shown on the statement relates to when O2 removed this account from their system in preparation for the sale to us. This does not mean that there has been any payment received against the account or that your liability for payment has been removed. We
  7. Couldn't get anywhere with 02 (useless ba5tards!) but have received another letter from Lowell's today with a balance statement attached. Has anyone else has this and can offer me some advice? 'We write in respect of the above debt, which, as previously notified in writing we have purchased from O2. We would advise that the nil balance shown on the statement relates to when O2 removed this account from their system in preparation for the sale to us. This does not mean that there has been any payment received against the account or that your liability for payment has been removed. We
  8. ODC, appreciate your help & advice. If they send these documents does it mean I will have to pay even though I'm adamant it wasn't me who incurred these charges? Can I request statements from O2? It seems strange that it's taken almost 4 yrs for them to get in touch with me. Its not like I left the country and have been registered on the electoral roll all my adult life and have applied for credit since 2004.
  9. Yes, I did report my phone as lost but as it was so long ago, I can't remember when this was done and no, I don't have any paperwork to prove this unfortunately. I've never been a massive mobile phone user and am sure my bills from O2 were always around the £25 mark. Even now, with my Orange contract I rarely exceed £35/month. I think it may be fraud but I don't have any proof to confirm my suspicions. I lost my phone on a night out and remember ringing O2 to inform them but unsure whether I backed this up with a letter. Does anyone know of any sample letters I can use?
  10. I received a letter from Lowell / red collection services re an outstanding debt on an 02 mobile account for over £700. I replied to the first letter using the form that was on one of the previous threads but today have received another letter from them saying: 'Thank you for your recent correspondence regarding the above matter. We note your comments that you are not our customer but with the information we hold we belive that you are our customer and therefore liable for the outstanding balance. The outstanding balance relates to an O2 account with the original reference
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