After the prove it letter has been sent and they send back a foney account sheet with a list of previous payments, what is the next best thing to do please?

Hello all I'm in exactly the same situation currently with Roxburghe, HFO and 3 mobile. My debt equates to £455.80. Similar numbers to me..... I've sent the prove it letter to Roxburghe and had back a list of previous payments, no phone number but a random account number, it does have my name on the account profile page though. Account start date 31-08-03, account end date 17-01-05. I used to have an account with them but left ages ago and was under the impression that i had no debt with them! Unfortunately I have not kept records for that long back, as i didn't think it would be an issue in the later years. The latest letter I have received is the 72 hour notice letter exactly the same to gooner earlier on in his thread (good name by the way, are they targeting Arsenal fans?). I am really unsure what to do now? Shall I subject access request Three mobile (but if that takes 40 days, how do I hold off Roxburghe in the short term?) Could I call 3 mobile customer services? In terms of the £10 fee for the SAR how is that paid to them? Is cash ok? After reading most of the Roxburghe threads on here, i really want to go to Watchdog or anywhere else I can to complain, its awful. I'm recovering from an operation in which I received complications and can't walk, this is the last thing I need, but have plenty of time to complain . Any ideas anyone? Please help Many thanks Minty

Thanks. Really unsure on what to do, don't need this hanging around at present. Does anyone else have any opinions? 72 hours is not the longest amount of time to respond Thanks again

Hi everyone Hope you remember our last thread! Thought I’d get back to you as the letters from Roxburghe have started again! Previously I sent a prove it letter. They then sent me a letter which was typed on Microsoft Word with no letterhead (really professional). Enclosed was a balance summary with all the payments between me and 3 mobile, they state the last payment was made on 18/10/2005 for £5.00 which left the remaining balance as 265.21, in that time, they state that 10.00 charges have been added and £162.97 interest has also been added giving a final total of £438.18. The first letter I received from them, stated I owed £455.43, the response to the prove it letter informed me I owe £438.18, then last week I received a letter stating I owe £455.80. This morning's letter is the reason for this post. To summarise I ignored their previous response to my prove it letter, as I found it really unprofessional (no letterhead and the wording). But last week I received a letter (with letter head) stating 'I am surprised to note that you have failed to respond in a satisfactory manner to our previous letter, your failure to take action indicates to me that you do not intend to settle your liability and therefore I shall pass this matter to our analysts, who will review your case' etc etc. They will send the baliffs round soon apparently. This morning they have sent me another letter with a 72 hour notice to make payment or they are progressing with legal proceedings. I also checked the credit report and their is nothing on there from Roxburghe like they stated a while ago, presume this is a scare tactic? But surely cannot say that? Rang Experian to make sure nothing was hiding in the background, and they confirmed that their was nothing on their from Roxburghe. What should I do with the letter received this morning, shall I send them another letter, as stated before I really feel I do not owe them any money but cannot check records from that long ago! Please help, I still can’t walk so the last thing I need is bailiffs coming round! Should I send a letter if so which one? Sorry for the long post, please help me! Thank you Minty2009

I really can't remember when i last paid anything, but like you say its 5 weeks, worst case scenario! I've also had a look at my credit report and their is no default or ccj on their, like they were claiming. On the basis of this which letter would be best to send? SAR or Prove it? Thanks for everyone's response!

Thanks for swift reply. Where can I find one of these letters? I'm going to order a credit report this afternoon too as he was claiming it was a default or CCJ can't remember which as i was a tad angry! Thanks for advice, any more is welcome. Cheers Minty

Good afternoon everyone. I'm brand new to the site and really needing as much advice as possible! This morning I have received a letter from a Debt Collection agency called Roxburghe Debt Collectors based in Surrey. They are chasing up a sum of £455.43 from 2003 for a mobile provider called 3G and that I was now required to pay the debt in full immediately. Obviously this alarmed me!!! I used to be with them around that time, and absolutely positive that I paid off all the balance when i left them. So out of the blue I have received this letter and have had no previous correspondance from them! I rang them and spoke to a Mr Singh (they have to be referred to as MR and not first names!), he was claiming that the account had been passed onto them as a company called HFO had no success in contacting me. He claimed that the original balance wasn't as high but with all additional interest and solicitor's fees have made it £455.33. The original balance was £262. He was claiming that it had been referred to the same solicitors who worked in the same building as them also. I got all my account details from him and said I would be calling 3G. I did this and spoke to a Manager in one of their overseas call centres. He was saying that the original debt was £360 for the account in 2003 and thats all he could tell me as all the details were now with HFO (surely he could also bring up my details?) and then hung up on me. At this stage i then started reading a few similar stories on the internet referring to HFO and Roxburgh (especially for car parking tickets). It was only a month ago that i chucked all my old old bills out too! I was made redundunt in Jan, had an operation in March on a longstanding foot problem and then had complications from surgery and unable to return to work. I'm in the middle of having a new roof on too as water has been recently leaking through and the boiler is on the verge of packing up too. Their is no way i could afford this right now. Are they chancing their luck or should i pay off the debt? Any advice would be much appreciated! Minty2009