Thanks [Mr Lex] for the link - greatly appreciated. I'm concerned that in this case - getting on for 4 years - there is a continual pursuit of an entirely innocent party and no matter how many times I repeat the same facts they dismiss them by hardly acknowledging what I say. And the liar (for that's what he is) who got me into this mess no doubt secured his commission and couldn't care less about the impact this has on my life - surely they need evidence to pursue me? This is contract law - doesn't there have to be acceptance of the contract? Which - of course - there is none in my case (knowledge of a contract that I could - or would - have accepted). Lowells et al keep banging on about "..inserting the SIM card and using the equipment is taken as acceptance.." - that would be valid if I had knowingly done so (not even sure a new SIM card came with it, to be quite frank!). Am I bleating now? Can anyone help this Shaun!?

Lowell Portfolio 1 - in conjunction with 3G (UK) - default on my [previously immaculate] credit record at an address I hadn't lived at for 21 months (which 3G knew because of constant correspondence) and where no contract exists and still has had no evidence presented to substantiate their action - is this Burma?

This must be unique - can someone give me some guidance please? Bear with me - everything you read is true.... Nov 2007 - called by T3 (a mobile phone agent) but he stated "..on behalf of '3'...". Chap tried to tell me I was entitled to a free phone; challenged this three times (no apology for the biblical analogy!) but he was adamant there was "..no further commitment." (I was almost at the end of my current '3' contract); on that basis, I accepted the phone (how naiive, I hear you say); no paperwork when phone arrived - bonus, it is free (I thought at the time); bank statement six weeks later shows direct debit has changed (is less, in fact!); called '3' to ask why - new contract, they say! What new contract, I say? And the rest is history....'3' refused to release me from a contract that I didn't knowingly enter into and that they don't have any evidence of (I have asked them to provide my verbal 'recorded' consent or written equivalent - none to date, surprise, surprise!). Stopped paying on principle (after much written correspondence) and - after two DCAs threatening the usual stuff having given up - heard nothing until Lowell Portfolio recently 'bought' the debt and marked my credit file with a default notice 18 months before they bought it - how? They are now threatening all sorts, but their letters are an exercise in obfuscation - designed to scare folk into coughing up. I won't pay - again, on principle - because there is no substance to the debt or the alleged contract. How can this be happening without any evidence? I have offered to pay them if they produce a mere morsel of the evidence previously described, such is my confidence that there is none!!!! I always meet my contractual obligations - real ones, anyway - HELP?