Just to summarise: The default is for £65 and a few pence. It was recorded in April 09 and the last payment to 3 was Sept 08. Despite assertions from the executive office to the contrary, I did write to them in August 08 giving 30 days notice on the account. I did phone to ask advice on terminating the account, this may have been prior to August 08 as I'm only working from memory. I have the same proof as they do, i.e. I say I called them and sent a letter and they say I didn't but add that they wrote to me about the bill. As I'm still a customer they have other methods of contacting me including telephone (mobile and fixed) and the email address they use to tell me a bill is ready to view. To my mind the amount is trivial and 6 years of high interest or credit refusal seems disproportionate. I would be more than happy to pay it as part of a resolution which includes removal of the default. To this end would anyone be able to advise me of a way to approach this without it getting ugly? I'm prepared to take it to court if it can't be resolved any other way although this would be an absolute last resort. Thanks in advance. W D Mask.

I've had a reply from the executive office and although it appears my claim was investigated I'm not happy they think the default is correct. This is the reply I received... Hello Mr Mask Thanks for getting in touch. I’ve had a look at this account for you and I’m afraid the default is correct. We have nothing to support you contacted us in August to close this account. The only letters or emails received were from (email addy) and the last one sent was discussing a phone that wasn’t working. When you call us and someone views your account, an automatic footprint is left and there was only one in August. The notes from August show the only thing discussed was going to store to see what could be done with your phone. On four separate occasions after August, 3rd party retailers checked whether you could upgrade, which would mean you were aware the account was still open. After your direct debit was cancelled on the 17th October 2008 and to try and collect payment, we sent letters to the address you mentioned in your email, but that wasn’t successful. I also noticed a note left on the account from 22nd November 2012, saying this account should have been closed within 14 days, so I understand this might be a little confusing due to the amount of time that’s passed before we sold your debt to Lowell. I’m sorry this wasn’t the answer you were looking for, but I hope I’ve explained our position and why we’ve taken it. If you do have any questions, please give me a call at the Executive Office on 08433 733330 (5p/min from a BT landline, other networks may vary). We’re open from 9am until 6.30pm, Monday to Friday. Thanks Nia Walker Three Executive Office So where do I go from here. I'm adamant that this is a mistake on their part. Thanks in advance. Waring D Mask.

I've taken the advice given and mailed the ceo. I got a standard response with a case number, they say they'll get back to me within 7 days to discuss it further. The only proofs I have are bank statements showing on time payments as I didn't pre-empt a problem like this. I'll just have to hope my long relationship with them will afford me some goodwill, and the fact I haven't missed a payment since I started my current contract in 2004. Otherwise I'll be back asking what to do next. Thanks for the advice so far...

Hello people, 1st post here although been a member for a while, didn't realise I needed advice until now. Anyway, to the point of this post. I recently received a letter from Lowell portfolio 1 dated 07-02-13. It states 'You Have Not Repaid Your Account' and goes on to say that I can pay them up until 28-02-13 at which point Lucas Credit Services will be instructed to pursue me for this debt. On closer inspection there is a Lowell account number and an original account number from Three Mobile. Now I've been a customer of H3G since 10-11-04 and my payment record with them is perfect. I also had another account with them for my ex wife's phone which is the one they claim is in debt. I opened this account almost a year later on 06-09-05 on a 1 year contract, This was renewed each year until 26-08-08 when (after advice from 3 customer service) I gave 30 days notice to terminate the contract. This was given over the phone and also in writing around the time of contract expiry which by my reckoning was 06-09-08. I didn't cancel the direct debit and the last payment on the account was on 26-09-08. I have received no further communication from 3 concerning that account since the date of the last payment. I have since checked my credit report (experian and equifax) and the account has been defaulted, seemingly by Lowell. The date of the default is 11-04-09 more than 7 months after the last payment. No bills or statements were received from 3 in that period and my other account continues uninterrupted to this day. Now I'm not concerned about the collection company but obviously I'm not happy about the default. What I need to know is the best course of action to get this removed from my credit file. I've tried to reason with the customer service people at 3 but they won't tell me anything. All they seem to know is that it's a very old account. Any help or advice you can give me would be greatly appreciated. Thanks in advance. Waring d Mask