No thanks, your company should have dealt with the ombudsman, not need me to chase them. I've only posted as this thread popped up on a Google search, hopefully someone might avoid buying from such a dreadful company by reading this. Small claims and cancellation time for us.

In my case ombudsman, has said Vodafone owes me £130, an apology and assistance with the issues we are suffering. ....the result.... Nothing, ignored the ombudsman, no apology, no £130 and no assistance. We have 5 Apple devices on high business contracts and will be leaving Vodafone as soon as is financially viable. In my opinion Vodafone is an underhand company happy to take from their customers with no regard for if their action are fair or even legal.

Plot thickens as they have no first name on the letters but the original form has a first name printed instead of a signature filled in by the agent. Who in turn used the private patient records to introduce herself!!!! I'll scan the letters....

Okay.... Why their payment page??? This was unsolicited and they have just sent debt collecting letters and referred it to CCS Collect

Yes they are!

I have all the documents, the company was Tempest. Post back when I'm not poking a phone to post!

That's pretty much where we were at, glad it looks like the right thing to do.

I have a friend who has just had a baby, she's 17 and had to have an emergency Caesarian section, next day drugged up and with a premature baby she was approached in the special care section and asked if she wanted some photos. First 'proof' was free and buy any extras, there was no paperwork, but they had her address. A heap of photos have arrived with a bill for about £100. Apart from being stunned that the hospital allow these ambulance chasers in a secure ward (a letter is to be sent to my MP about that) As there was no paperwork and she was only 17, I'm guessing its a 'get lost/prove it' letter?

I've had Transcom asking for a 10 year old phone debt on a handset they sold was faulty and they refused to replace it within the 12 months. They are just another SB chasing pond dweller... As for banks etc, yes they have had the 'golden years', it's funny that I've got about £600 of enforceable debt that I have been paying off but at the same time our household coughed up £40,000 when we bailed the banks out from the tax man.....but my council are too poor to fill in the pothole outside, been told that's in 2016! I went to ALL my creditors when things went wrong and everyone apart from First Direct did not want to know, even First Direct tried to get my wife to sign for joint liability and tried again to combine our joint account with a loan and credit card. It took a huge effort to stop them and about £400 of solicitors letters, that ultimately they had to pay back and even then tried to say they would offset these against a debt...er NO! Last year saw Lowells and Crapquest drop off the radar and I have another to go in September and a CCJ that I should have contested goes in March. The point is that I'm still paying the £600 debt @ £20 per month, it was £2500 and I will be paying every penny of that debt for another few years to come when the CCJ's and about £40,000 is ancient history. The point is that had these banks, loan and credit cards been reasonable, they would have been getting their money and I'd be paying right now, but they were not. Not only did they keep chucking £1000's at me, compounding the problem when I called to say I could not cope, then they would 'consolidate' with a 'new' loan of say £10000 and then post an un-requested credit card with ANOTHER £10,000. So drunk with lending that for those of us in the pre-2007 paperwork days, they could not be bothered to keep the paperwork to enforce the debt, it was just a money making ride and no room or pause to think it might ever end. Some consumers were greedy too, everything was on credit others became vulnerable and easy credit was too good to be true when you did not know where next months mortgage was coming from or how you were going to feed your kids that week. We should have followed Icelands example (no not fish fingers! ) and made them do 'Porridge' http://current.com/blog/93947176_icelands-economy-recovering-well-after-bankers-jailed.htm

Yes makes sense, I've sent the usual CCA request with the £1 postal order and marked it as no debt acknowledged etc, plus asked for statement of account. That should keep them busy and the statement will show if it's SB'd (or VERY close), I've not made any secret on here that after illness and financial reversal, I offered all my creditors payments only First Direct accepted and they have been pretty good throughout. The rest did a bolt'n'run and sold to DCA's etc and I know both these amounts are WAYYYY high and from loans for much less arranged over the phone, so I very much doubt there is a cat in hells chance they have the correct paperwork or all the default notices, assignments etc. Just need to keep an eye on them over the next few months.

I've got a copy of my experian and Noodle reports and they both agree on the default date. I'm sure there are a heap of hoops to keep them busy and like Crapquest I doubt they will have the correct paperwork. Ho-hum looks like I'm sending a CCA request over the weekend.

Hmm, it's on my credit file (with the default date) but not to Lowell, I've only been dealing with these when they have made noises that concern me (for Crapquest is was a statutory notice) then I have made a CCA request. I've not made a CCA request, only replying to the last letter as it was a "A-ha! we found you hiding" and I was not. I'm concerned that they might start legal action as it's so close to SB. I've not sent the second letter, do you think I should send a CCA request to them and if so Lowell or Fredrickson as they are both bottom feeding DCA's?

It's getting close to the SB clock on a number of alleged debts, I've sent 'prove it' letter with no reply they just transfer the 'debt' on and I get a new DCA to play with. I'm well used to the threat'o'grams but I have 2 large amounts (both over 10k) going SB in October and November, both are 'owned' by Lowell. Recently I've had a 'we found you' letter from Fredrickson, I sent a "Well done I was never hiding/prove it" letter, but before this has got there (recorded) I've had another letter, again 'considering' legal action. I'm going to post the 'prove it' letter again but wondered if they were to start legal action it takes a few months to get going and then there is the court date to settle. If they were to start formal legal action but by the time it went to court the SB clock had run out, would they be able to enforce the debt, or is that just bad luck on their part?

They do scecify an amount, it's SB'd from an original mobile phone (O2 breached contract so I formally cancelled in writtting, they tried to sting for rest of contract) The debt is 'client' is Lowell-O2 (UK) Ltd, looks like they purchased a load of duff debt and are trying it on. I've posted a letter back slightly revised, as it's SB'd and not on my CR I can pretty much ignor them, but I want to keep an eye for illegal activity on my CR as it getting better. Having a recorded delivery document trail will make that easier to deal with (IMHO) Cheers for the replies

Have a read of my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?353972-Debt-Managment-Ltd-sending-txt-to-my-phone&p=3869681&viewfull=1#post3869681 Sounds like I'm a little further along their conveyor belt of Xmas cracker P.O box "Solicitors" Just sent them a merge of about 4 letters, should keep them busy!

Sigh...Bit long I'm guessing letters got crossed in the post, but got another threat'o'gram from another Xmas cracker company with nothing more than a P.O box... All the same "We will sue/investigate/visit" so they got updated letter, not posted yet so thought I'd pop it on here for the Borg Collective to read first Look okay? (formatting is better when I printed) Thank you for your letter dated 16th of July 2012, please read my enclosed letter to your clients dated the 13th of July (sent recorded delivery). My position on this matter is quite clear. I will presume for this correspondence onlythat your letter has been sent in error or crossed my letter to your client in the post. In future I will be charging each correspondence at a rate of £25 and I will only communicate with you or your client in writing. Returning to your letter of the 16th of July 2012 you are insinuating that legal action, investigation or a doorstep visit might occur, dealing with these points in reverse order... Doorstep agents: Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Investigation: I have already asked your clients for documentation to prove this debt and I would point out that I have no knowledge of any such debt being owed to *******.I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT Guidance says that it is unfair to pursue third parties for payment when they are not liable AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical and psychological harassment. Court Action: I have made a search of my credit file and found no entry that matches or is even close to ******* which you claim is owed. Therefore it either does not exist or such time has passed that it cannot be enforced. We would point out that under the limitation act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” We would also point out that the OFT say under their debt collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period”. Unless you can provide evidence of payment or written contact from us in the relevant period under Section 5 of the Limitation Act, we suggest that you are no longer able to take any court action against us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to CPUTR2008. Therefore you and your clients claims that legal action might be taken, particularly as both of you write from “Court Department” and “Litigation Department” I consider to be harassment and Vexatious. As this alleged debt is as a minimum in serious dispute for having not provided any proof as requested and for being beyond the limitation act 1980, sec 5 if such debt ever existed. I remind you and your clients “Debt Managers Ltd” and “**********” that this alleged debt must not be sold or transferred to another company or agent. We await your written confirmation that this matter is now closed and that no further contact will be made concerning the above account after that last letter. We look forward to your reply.

Okay, just done a draft letter to them.... I do not acknowledge any debt to you, your representatives, clients or any other parties Dear N. Sutton You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have never heard of '*********' or knowledge of any such debt being owed to them. Please send me copies of any documentation you are in possession of to substantiate your demands for payment. I am familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. Please also be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by text message over the past few weeks and these have been duly logged by time and date. I consider these to be harassment as these only ask me to contact you by telephone, something I have no intention of doing. Furthermore, as you have openly threatened the possibility of court action and have signed your letters “N Sutton, Court Department”, you must be in possession of evidence to be in a position to make this threat. You have a duty if such actions are viable to share such documentation with me, otherwise your actions are illegal and constitute “Demanding money with menaces”. Yours faithfully What do you think?

I've got a thread about getting txt's, but I'm trying to understand if sending a txt is considered harassment as telephone calls are as they are I guess in writing?

Right... Bit of a problem with reporting them, they send txt's that arrive as 'Debt Managers' not a number (and no it's not in my phone book) '3' ask for the number, I've hit call to get the return number of 33286477 and sent this to '3' who say they cannot identify the number (as it's a short one I guess).....Any ideas how to cause them harm?

That was VERY handy, just sent a load off to 3, funny as I know they sell your number on

Nothing on there from them. They have now sent a letter/threat'o'gram that says... "Consideration of COURT ACTION may be recommended to our clients unless you make contact with this office" Couple of things jump out, they don't 'own' the debt and are obliquely threatening court action that they cannot possibly carry out, this is deceptive behaviour! Should I react to the court threat for entertainment value and demand all document they have to support their claim, or just send the SB letter and ask that they not use telephonic communication to harass me? Having a look I think an edit of the original SB letter with some of the letter when they continue to pursue is required as the fist has no "I acknowledge no debt....etc" part.

Nope no debt to Barclays or as far as I'm aware any subsidiaries, thought it was PPI as I've had loads of calls recently. Being self employed I never had PPI apart from it getting added to one loan without my permission and that got shot down in flames instantly! These PPI people are almost as bad as DCA's as they say "You are owed £900 in claimable charges" when I know I've never had PPI, sometimes I wonder if it's a DCA trying to get acknowledgement of a loan by offering a carrot?

I've been going through the DCA's as they have popped up and with CCA requests etc they have pretty much all given up. A while ago I dumped our land line number when we swapped from BT to Virgin and did the same with the mobile so it's been peaceful! Just keeping an eye on my credit file (via deal from bank with travel/mobile insurance for a good price BTW) and it's just a case of watching them drop into the SB abyss over the next few months, lord know I tried to get this sorted with the original creditors but that was like pushing water uphill so I have no issues with the situation. However on a pretty new mobile number (couple of years old) I just got a txt from Debt Managment Ltd, I'm not going to call just wondered if they are chasing and got my number or are they just one of the PPI ambulance chasers?

If they are going to ring and make those statements then record them! Truecall would help, and you can turn the tables on them

Was it from the OC, or a reconstruction? Tell them they can post to the old address they have as clearly you are receiving their letter even through forwarding. Then send the 'in dispute' letter on time