Hi I had the exact same letter format from them yesterday too claiming I owe money which I have no knowledge off. Checked online experian report and have no adverse credit history, unsatisfied accounts etc. Never heard of Cabot financial either. Whats my next step and where can I find this proove it letter? Thanx

Thanx guys, this had been going on for years, first 1st credit then heard nothing for almost 2 years then lowells!! only spoke to them once to say I wanted proof, then sent a CCA request and enclosed the £1 to which they sent it back saying mobile phones not covered under the CCA! then nothing for 2 weeks till this letter Well happy! For now!!!

Just recieved a letter from Lowell Financial stating: After reviewing the account our above client is prepared to take a commercial view in relation to this matter and as a gesture of good will and strictly without any admission of liability is preparedto discontinue this matter against you This was for a mobile phone bill they said I owed to 1st credit! Does this mean the matter is completely closed or will they sell it on to some other DCA to persue? Either way my equifax report was always clear and I wont be paying a penny. Thanx Guys

Hi thanx for that But as I have written requesting CCA info does this not mean I have kinda admitted this is my debt and acknowledged there letters also?? Also the link says about SAR. this should go to the mobile phone company and not the DCA is this correct cos if so singlepoint no longer exist and i doubt vodaphone would have any knowledge of it as was 4/5 years ago? Its so annoying as my credit file show everything I have as satified accounts and 1st credit dont even appear on it! Thanx

Approx 2 1/2 years ago out of the blue I recieved a letter from 1st credit advising they were chasing 559.00 payment on behalf of single point. I requested information sent recorded letters etc had a few more letters saying pay up and then nothing until this week! Aletter saying they had passed it over to red debt collection again asking for 559.00 I sent a letter under the CCA act enclosing 1.00 postal order they returned it saying mobile phones not regulated under this act! Which I have now learnt. I have contacted the national debt line who advised to write asking for statment and that i will not enter into further correspondence until this is recieved. they also confirmed my credit file is clear shows a satified accont with vodaphone/single point and 1st credit do not even appear on my file. Thing is single point no longer exist and i have no idea on what my tel number etc would have been to try and trace the so called debt. Any ideas on what my next course of action should be letters etc I understand the debt is just being sold on to various DCA's I have no intention of paying as i do not believe the debt to be true! Any help appreciated Thanx

Is there a template for this proove it letter? I am also wating for the debt helpline to send me details of the office of fair trading to debt collection so i can complain quoting particular points!

Hi Just over 2 years ago I recieved a letter from 1st credit claining I owed £559 for a mobile phone bill with single point. I too called and told them I wanted proof and they advised it was up to me to proove that I didnt owe it! I requested a statement of account and they advised they would get one sent out. I got a letter saying this could take a month. Got a few more letters saying pay up, In the meantime I then sent a CCA letter enclosing a postal order and never heard anything! 2 Years 6 months later I recieve a letter from 1st Credit advising that they have assigned my account to Lowell Financial (Red Debt Colection services) they are now demanding payment and the usual we will send a field agent round or proceed with a CCJ for an attachment of earnings order? I wrote again A CCA letter enclosed the postal order sent recorded etc and they have replied saying that the account agreement is not subject regulated under the consumer credit act and that their client has no obligation to supply the information and again to pay up. (they returned the postal order) I have called the national debtline and they said I should write saying I will enter into no further correspondence till this information is provided, they also confirmed that my credit file is clear and shows satisfied account and 1st credit do not even appear on my records. They told me its just been sold on and probibly will continue to be so. I understand that mobile phone companies are not regulated under the CCA and wonder if anyone has any advice on my next step. I have no intention of paying as I believe the debt is wrong. I feel like calling them up and saying see you in court, but have been advised the the national debt line not to do this Any ideas/help appreciated. Thanx